The verdict
Domestic lounge access ke liye India ke best cards mein se ek. Unlimited lounge visits ke sath 3.75% ka high online reward rate is card ki ₹2,499 ki fee ko easily justify karta hai, jo saal mein ₹2.5 Lakhs spend par poori tarah waive off ho jati hai.
Saal mein ₹2,50,000 spend karne par (jisme ₹1.5L online shopping/dining par ho) 25,500 points (worth ₹6,375) milte hain aur ₹2,499 ki fee waive off ho jati hai. 12 domestic lounge visits (worth ~₹12,000) add karke saal ka net profit ₹18,000+ nikalta hai.
Agar aapko international airport lounges aur air miles transfer chahiye, toh Axis Atlas ya HSBC TravelOne zyada powerful options hain.
✓What works
- +India ke airports par Unlimited complimentary domestic lounge access.
- +Dining, online shopping, travel bookings aur foreign spends par 3.75% ka high reward rate (15 points per ₹100).
- +International transactions par sirf 2.0% ka reduced forex markup.
- +Saal mein ₹2,50,000 spend karne par 100% annual fee waiver.
- +District par BOGO movie tickets upto ₹250 per month.
✕What doesn't
- −5X accelerated rewards par monthly 5,000 reward points ki capping lagti hai.
- −International airport lounge access included nahi hai.
- −Offline non-dining retail shopping par 0.75% (3 points per ₹100) base rate hai.
What it earns
1 Reward Point = ₹0.25 (statement cashback ya vouchers). 5X categories par 15 points per ₹100.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Online Shopping, Dining & Travel (5X) | 3.75% (15 Points / ₹100) | 5,000 Points / month | 3,750 Points (₹937.50 value) |
| Baaki Sabhi Domestic Retail Spends | 0.75% (3 Points / ₹100) | Uncapped | 750 Points (₹187.50 value) |
| Fuel Purchases | 0% | Excluded | 0 Points |
Accelerated earn
Online Shopping, Dining & Travel par 5X Rewards (3.75%)
E-commerce, food delivery aur travel bookings par har ₹100 par 15 points earn karo.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Online Shopping & E-CommerceOnline merchants par 15 points per ₹100. | 5.0× · 3.75% (15 Points / ₹100) | 5,000 Points / month | — |
| Dining & RestaurantsRestaurants aur food bills par 15 points per ₹100. | 5.0× · 3.75% (15 Points / ₹100) | 5,000 Points / month | — |
| Travel & International SpendsFlights, hotels aur forex par 15 points per ₹100. | 5.0× · 3.75% (15 Points / ₹100) | 5,000 Points / month | — |
Redemption options
BOBCARD reward portal par direct statement cashback ya gift vouchers ke liye redeem karo.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Direct Cashback to StatementBEST VALUE | 1 Point = ₹0.25 | 1,000 points | No ceiling | Nil |
| E-Gift VouchersBEST VALUE | 1 Point = ₹0.25 | 1,000 points | No ceiling | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Amazon, Flipkart, Myntra aur online brand sites par shopping.
- +Restaurants aur food apps par dining spends.
- +Flights aur hotel bookings.
- +2.0% forex rate par international payments.
✕Excluded Spends & Fee Traps
- −Fuel purchases (₹400 se ₹5,000 par 1% fuel surcharge waiver available).
- −Wallet load aur ATM cash withdrawals.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹2,499 + GST |
| Annual / Renewal Fee | ₹2,499 + GST (Waived on ₹2.5L spend) |
| Foreign Currency Markup | 2.0% + GST |
| Finance Charges (Monthly) | 3.25% per month (39.00% per annum) |
| Add-On Card Fee | Nil (3 lifetime free add-on cards) |
| Card Replacement Fee | ₹100 + GST |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Minimum Age | 21 se 65 saal |
| Minimum Income | ₹12,00,000 per annum (Salaried ya Self-Employed) |
| Nationality | Resident Indian |
Policy Changes & Devaluation History
1 RecordBOB Eterna / Tiara / Varunah Premium Lounge Threshold Doubles to ₹75K/Quarter
BOBCARD raised the unlimited domestic lounge threshold on Eterna, Eterna FD, Tiara, and Varunah Premium from ₹40,000 to ₹75,000 of spend per quarter, effective 1 October 2026.
Frequently Asked Questions
Kya BOBCARD Eterna Credit Card par airport lounge access milta hai?
BOBCARD Eterna Credit Card ke MITC charges, annual fee aur interest rate kya hain?
BOBCARD Eterna Credit Card par reward rate aur points ki real rupee value kya hai?
BOBCARD Eterna Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
2026 mein BOBCARD Eterna Credit Card kin users ke liye best suited hai?
Editorial Deep-Dive Analysis
Detailed Overview: BOBCARD Eterna Credit Card
BOBCARD Eterna Credit Card Bank of Baroda (BOBCARD) ka active flagship luxury lifestyle, travel, aur dining card hai. Visa Infinite aur RuPay dono platforms par available is prestigious card ki annual fee ₹2,499 + GST hai, jo anniversary year mein ₹2,50,000 retail spend complete karne par 100% waive ho jaati hai (sath hi first 60 days mein ₹25,000 spend par joining fee waived).
Private banks ke top lifestyle cards se compete karte hue, Eterna online shopping, dining, aur travel bookings par 15 reward points per ₹100 spend (3.75% return at 1 point = ₹0.25) ka market-leading valueback deliver karta hai. Iske sath unlimited domestic airport lounge access, ultra-low 2.0% foreign currency markup, aur monthly BOGO movie tickets is card ko ek powerful all-rounder banate hain.
Key Privileges aur Everyday Benefits
- 3.75% Valueback on Online Shopping, Dining & Travel: Dining, flight tickets, luxury hotel stays, aur e-commerce orders par 15 reward points per ₹100 spend (3.75% valueback, capped at 5,000 bonus points per cycle) earn karein.
- Unlimited Domestic Airport Lounge Access: Pan-India domestic airport terminals par unlimited complimentary lounge visits enjoy karein (preceding calendar quarter mein ₹40,000 spend condition ke sath).
- Reduced 2.0% Foreign Currency Markup: Overseas travel aur foreign e-commerce websites par standard 3.5% ke bajaye sirf 2.0% + GST forex markup pay karein.
- BOGO Movie Tickets on District / Paytm Movies: Partner platforms ke through monthly up to ₹250 movie ticket savings (twice a month up to ₹125 per ticket) enjoy karein.
- Elevated 0.75% Base Earning & Fuel Savings: Baki general retail purchases par 3 points per ₹100 spend (0.75% return) aur petrol pumps par ₹400 se ₹5,000 ke swipes par 1% fuel surcharge waiver (up to ₹250 per cycle).
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
- Monthly Accelerated Cap: Dining, travel, aur online spends par 15 points earning per billing cycle 5,000 bonus reward points par capped hai.
- Airport Lounge Spend Criteria: Domestic lounges visit karne ke liye preceding calendar quarter mein minimum ₹40,000 ka settled retail spend mandatory hai.
- Excluded Categories: Fuel purchases, wallet top-ups, rent payments, government charges, aur ATM cash withdrawals par koi reward points nahi milte.
- Annual Fee Waiver Benchmark: ₹2,499 renewal fee waive karne ke liye anniversary year mein ₹2,50,000 ka net retail spend complete karna zaroori hai.
- Financing Charges (APR): Unpaid revolving statement balances par monthly 3.49% (41.88% per annum) finance charges lagte hain.
Yeh Card Kinke Liye Best Fit Hai
- Frequent Domestic Travelers: Executives aur regular flyers jo India bhar ke domestic airport lounges ka regular use karte hain.
- Food & Travel Lovers: Jo hotel dining, weekend restaurant meals, aur flight tickets par 3.75% reward return maximize karna chahte hain.
- Global Spenders: Jo low 2.0% forex fee aur easily attainable ₹2.5 Lakh fee waiver target chahte hain.
- Bank of Baroda / BOBCARD — Eterna Credit Card official features and schedule of charges
- BOBCARD Eterna — 15 reward points multiplier & domestic lounge access terms
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.