{
  "id": "bob-eterna",
  "locale": "en",
  "name": "BOBCARD Eterna Credit Card",
  "bank": "Bank of Baroda",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹2,499 + GST",
  "loungeAccess": "Unlimited Complimentary Domestic Airport Lounge access",
  "rewardsRate": "15 Points / ₹100 (3.75%) on Online Shopping, Dining & Travel · 3 Points (0.75%) Other",
  "bestFor": "Unlimited domestic airport lounge access, online shopping rewards, dining, and lifestyle perks",
  "officialLink": "https://www.bobcard.co.in/eterna",
  "aiVerdict": {
    "score": 4.8,
    "summary": "Its modest reward rate and low annual fee plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.75,
  "affiliateId": "bob-eterna",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Bank of Baroda / BOBCARD — Eterna Credit Card official features and schedule of charges",
    "BOBCARD Eterna — 15 reward points multiplier & domestic lounge access terms"
  ],
  "feeWaiver": "Waived on annual spends exceeding ₹2,50,000",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Accelerated Spends",
      "value": "15 Points / ₹100 (3.75% on Dining, Travel & Online)"
    },
    {
      "key": "General Spends",
      "value": "3 Points / ₹100 (0.75%)"
    },
    {
      "key": "Domestic Lounges",
      "value": "Unlimited Complimentary Access"
    },
    {
      "key": "Forex Markup",
      "value": "2.0% + GST (Reduced)"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹2,50,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹2,499 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Online Shopping, Dining & Travel (5X)",
      "rate": "3.75% (15 Points / ₹100)",
      "monthlyCap": "5,000 Points / month",
      "perLakhSpent": "3,750 Points (₹937.50 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "0.75% (3 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "750 Points (₹187.50 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Online Shopping & E-Commerce",
      "multiplier": "5.0×",
      "rate": "3.75% (15 Points / ₹100)",
      "monthlyCap": "5,000 Points / month",
      "dailyCap": "—",
      "note": "15 points per ₹100 on online merchants."
    },
    {
      "channel": "Dining & Restaurants",
      "multiplier": "5.0×",
      "rate": "3.75% (15 Points / ₹100)",
      "monthlyCap": "5,000 Points / month",
      "dailyCap": "—",
      "note": "15 points per ₹100 on restaurant and dining spends."
    },
    {
      "channel": "Travel & International Spends",
      "multiplier": "5.0×",
      "rate": "3.75% (15 Points / ₹100)",
      "monthlyCap": "5,000 Points / month",
      "dailyCap": "—",
      "note": "15 points per ₹100 on flights, hotels, and forex."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Direct Cashback to Statement",
      "value": "1 Point = ₹0.25",
      "minPoints": "1,000 points",
      "ceiling": "No ceiling",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "E-Gift Vouchers",
      "value": "1 Point = ₹0.25",
      "minPoints": "1,000 points",
      "ceiling": "No ceiling",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel transactions (eligible for 1% fuel surcharge waiver on ₹400 to ₹5,000).",
    "Wallet reloads, utility payments beyond thresholds, and cash advances."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹2,499 + GST"
    },
    {
      "item": "Annual / Renewal Fee",
      "value": "₹2,499 + GST (Waived on ₹2,50,000 spend)"
    },
    {
      "item": "Foreign Currency Markup",
      "value": "2.0% + GST"
    },
    {
      "item": "Finance Charges (Monthly)",
      "value": "3.25% per month (39.00% per annum)"
    },
    {
      "item": "Add-On Card Fee",
      "value": "Nil (Up to 3 lifetime free add-on cards)"
    },
    {
      "item": "Card Replacement Fee",
      "value": "₹100 + GST"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Minimum Age",
      "requirement": "21 to 65 years"
    },
    {
      "criteria": "Minimum Income",
      "requirement": "₹12,00,000 per annum (Salaried or Self-Employed)"
    },
    {
      "criteria": "Nationality",
      "requirement": "Resident Indian citizen"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}