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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsBank of BarodaBOBCARD ETERNA
Bank of Baroda

BOBCARD ETERNA

Reward Points Super Premium
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

Credit Card for Premium Lifestyle & Travel Privileges with smart savings valued upto ₹81000.

Fees & Charges

BOBCARD ETERNA · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 2,499
4.5
/5.0
CardwiseHQ Review
1st Year Fee: ₹2499(Joining fee waived on spending ₹25,000 within the first 60 days. Annual fee waived on spending ₹2,50,000 in a year.)
Primary Reward
15 Reward Points per ₹100 on dining, travel, international, and shopping (5X Rewards)
1st Year Fee
₹2499
Fee Waiver
Joining fee waived on spending ₹25,000 within the first 60 days. Annual fee waived on spending ₹2,50,000 in a year.
4.5/5
Excellent
Annual / Renewal Fee
₹ 2,499
Fee Waiver ConditionJoining fee waived on spending ₹25,000 within the first 60 days. Annual fee waived on spending ₹2,50,000 in a year.
Foreign Transaction Fee2% of transaction amount

Rewards & Cashback

BOBCARD ETERNA · Detailed rewards & cashback

ParticularsDetails
Reward TypeReward Points
Primary Reward Rate15 Reward Points per ₹100 on dining, travel, international, and shopping (5X Rewards)
Secondary Reward Rate3 Reward Points per ₹100 on other categories
Max Cashback / Rewards (Monthly)5,000 Reward Points per statement cycle on 5X categories
Welcome / Joining BonusComplimentary 12-months FITPASS Pro Membership worth ₹48,000. Earn 10,000 bonus reward points on spending ₹50,000 within the first 60 days.
Milestone Benefits20,000 bonus reward points on spending ₹5,00,000 in a year.
Reward ExclusionsFuel transactions and select MCCs

Features & Benefits

BOBCARD ETERNA · Detailed features & benefits

ParticularsDetails
Airport Lounge Access✓ Available
Lounge Access DetailsUnlimited complimentary access to Domestic Airport lounges (effective Jan 1, 2025, subject to minimum spends of ₹40,000 in the preceding calendar quarter).
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).
Insurance CoveragePersonal Accidental Death Cover (Air: ₹1 Crore, Non-Air: ₹10 Lakhs)
EMI Conversion Available✓ Available
Contactless Payment✓ Available
Add-on Card Available✓ Available

Eligibility

BOBCARD ETERNA · Detailed eligibility

ParticularsDetails
Minimum Annual Income₹ 12,00,000
Minimum Age25
Maximum Age55
Card VariantSuper Premium
Best ForPremium Lifestyle, Travel, Dining, Shopping, International Spends

Pros & Cons

Advantages
  • Earn 5X Rewards (15 Reward Points per ₹100) on dining, travel, international, and shopping spends.
  • Unlimited complimentary access to domestic airport lounges (conditional from Jan 2025).
  • Reduced Forex mark-up of 2% on international spends.
  • Complimentary 12-months FITPASS Pro Membership as a welcome gift.
  • Buy One Get One movie tickets monthly (up to ₹250).
  • Comprehensive Personal Accidental Death Cover (₹1 Cr Air, ₹10 Lakh Non-Air).
  • Joining and annual fee waivers available on milestone spends.
Disadvantages
  • 5X rewards are capped at 5,000 Reward Points per statement cycle for featured categories.
  • Lounge access becomes conditional on minimum spends from January 1, 2025.
  • No reward points earned on fuel transactions and select MCCs.
  • Relatively high joining and annual fees (though waivable).

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.5/5
Excellent
Overall Editor Rating
Best For: Premium Lifestyle, Travel, Dining, Shopping, International Spends

BOBCARD ETERNA by Bank of Baroda is rated 4.5/5 by our editorial team. Credit Card for Premium Lifestyle & Travel Privileges with smart savings valued upto ₹81000..

About BOBCARD ETERNA

The BOBCARD ETERNA is a distinguished credit card crafted for high-performing individuals who desire a premium lifestyle complemented by extensive travel privileges and smart savings. It offers an impressive 5X reward points on dining, travel, international, and shopping expenditures, making it a lucrative choice for everyday premium spending. Furthermore, it significantly reduces the foreign transaction mark-up to just 2%, enhancing cost savings on global travels. This card elevates the travel experience with unlimited complimentary access to domestic airport lounges, though this will be subject to a minimum spend from January 2025. New cardholders are greeted with valuable welcome benefits, including a complimentary 12-month FITPASS Pro Membership. For entertainment, it provides a monthly Buy One Get One movie ticket offer, alongside essential financial protections such as a personal accidental death cover and zero liability on lost cards.

Quick Facts

Joining Fee₹2,499
Annual Fee₹2,499
Card VariantSuper Premium
Lounge Access✓ Yes
Fuel Waiver✓ Yes
Contactless✓ Yes
Min Income₹12,00,000