BOBCARD Eterna Credit Card
★ 4.3 / 5 ⓘ How we rate15 reward points per ₹100 online, plus unlimited lounge visits
✅ Verified Oct 2026 from BOBCARD's official page →
✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026
Why people love it
High spenders who shop online, eat out and travel within India
Key benefits
- 15 reward points per ₹100 on online shopping, travel, dining, movies & international spends (~3.75%)
- 3 reward points per ₹100 on other eligible spends (~0.75%)
- Unlimited domestic airport lounge access when you spend ₹75,000 in the previous quarter
- 10,000 bonus points on ₹50,000 spend in the first 60 days
- 20,000 bonus points on ₹5 lakh yearly spend
- Points redeemable as statement cashback (1 point = ₹0.25)
- 1% fuel surcharge waiver (₹400 – ₹5,000, max ₹250 per bill)
What's great
- High online reward rate
- Unlimited domestic lounges
- Low 2% forex markup
Good to know
- Bonus points capped at 5,000 per bill
- Lounge access needs ₹75,000 spend every quarter
- No points on fuel, rent, wallets, insurance, utilities, education, supermarkets
- Needs ₹12 lakh yearly income
Quick facts
How to apply
Keep these ready
- 🪪 PAN card
- 🆔 Aadhaar (for e-KYC / video KYC)
- 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
| Interest on unpaid bill | 3.75%/month (45% p.a.) |
| Foreign currency markup | 2% |
| Cash withdrawal fee | 2.5% (min ₹500) |
| Late payment fee | As per BOBCARD MITC (by bill amount) |
- Points valid for 2 years
- No international lounge access
- 18% GST applies on all fees
💡 Pay your full bill before the due date and you pay zero interest.
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❓ BOBCARD Eterna — common questions
Is the BOBCARD Eterna Credit Card lifetime free?
No. It has a joining fee of FREE and an annual fee of ₹2,499 (plus 18% GST). First year free; renewal fee waived on ₹2.5 lakh yearly spend.
What rewards does the BOBCARD Eterna Credit Card give?
0.75% – 3.75% value back. 15 reward points per ₹100 on online shopping, travel, dining, movies & international spends (~3.75%).
Who is eligible for the BOBCARD Eterna Credit Card?
Minimum income: ₹12 lakh/year. Age: 21 – 65 years. Credit score: 700+. Final approval is decided by the bank.
Does the BOBCARD Eterna Credit Card give airport lounge access?
Yes — Unlimited domestic (₹75k previous-quarter spend).
What is the forex markup on the BOBCARD Eterna Credit Card?
2% on foreign currency spends (plus GST).
Who should get the BOBCARD Eterna Credit Card?
High spenders who shop online, eat out and travel within India.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.