The verdict
One of the absolute best domestic lounge cards in India. Unlimited lounge visits coupled with a high 3.75% online reward rate easily justifies the ₹2,499 fee, which is completely waived on spending ₹2.5 Lakhs annually.
Spending ₹2,50,000 annually (with ₹1,50,000 on online shopping/dining and ₹1,00,000 general retail) earns 25,500 Reward Points (worth ₹6,375). Achieving ₹2.5L waives the ₹2,499 annual fee. Adding 12 domestic airport lounge visits (worth ~₹12,000) generates over ₹18,000 in net annual value.
For spenders who prefer international airport lounge access or direct airline mile transfers, specialized travel cards like Axis Atlas or HSBC TravelOne are more comprehensive.
✓What works
- +Unlimited complimentary domestic airport lounge visits across major Indian terminals.
- +High 3.75% reward rate (15 points per ₹100) on dining, travel bookings, international spends, and online shopping.
- +Reduced 2.0% foreign currency markup on cross-border transactions.
- +Full annual fee waiver upon spending ₹2,50,000 in a membership year.
- +Buy-one-get-one movie ticket offer on District up to ₹250 per month.
✕What doesn't
- −Accelerated 5X rewards are capped at 5,000 reward points per monthly billing cycle.
- −No complimentary international airport lounge visits.
- −Base reward rate on general non-online offline spends is 0.75% (3 points per ₹100).
What it earns
1 Reward Point = ₹0.25 on cashback or brand vouchers. 15 points per ₹100 on accelerated categories.
| Category | 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) |
| All Other Domestic Retail Spends | 0.75% (3 Points / ₹100) | Uncapped | 750 Points (₹187.50 value) |
| Fuel Purchases | 0% | Excluded | 0 Points |
Accelerated earn
5X Rewards (3.75%) on Online Shopping, Dining & Travel
Earn 15 points per ₹100 across online portals, food delivery, and travel bookings.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Online Shopping & E-Commerce15 points per ₹100 on online merchants. | 5.0× · 3.75% (15 Points / ₹100) | 5,000 Points / month | — |
| Dining & Restaurants15 points per ₹100 on restaurant and dining spends. | 5.0× · 3.75% (15 Points / ₹100) | 5,000 Points / month | — |
| Travel & International Spends15 points per ₹100 on flights, hotels, and forex. | 5.0× · 3.75% (15 Points / ₹100) | 5,000 Points / month | — |
Redemption options
Redeem points directly on the BOBCARD rewards portal for cashback, vouchers, or merchandise.
| 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)
- +Online retail transactions on Amazon, Flipkart, Myntra, and brand websites.
- +Dining and food ordering at restaurants and cafes.
- +Flight and hotel reservations.
- +International currency payments at 2.0% forex rate.
✕Excluded Spends & Fee Traps
- −Fuel transactions (eligible for 1% fuel surcharge waiver on ₹400 to ₹5,000).
- −Wallet reloads, utility payments beyond thresholds, and cash advances.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹2,499 + GST |
| Annual / Renewal Fee | ₹2,499 + GST (Waived on ₹2,50,000 spend) |
| Foreign Currency Markup | 2.0% + GST |
| Finance Charges (Monthly) | 3.25% per month (39.00% per annum) |
| Add-On Card Fee | Nil (Up to 3 lifetime free add-on cards) |
| Card Replacement Fee | ₹100 + GST |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Minimum Age | 21 to 65 years |
| Minimum Income | ₹12,00,000 per annum (Salaried or Self-Employed) |
| Nationality | Resident Indian citizen |
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
Does BOBCARD Eterna Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for BOBCARD Eterna Credit Card?
What is the reward rate and point redemption value on BOBCARD Eterna Credit Card?
Which transactions are excluded from earning rewards on BOBCARD Eterna Credit Card?
Who is BOBCARD Eterna Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: BOBCARD Eterna Credit Card
The BOBCARD Eterna Credit Card is Bank of Baroda’s premier flagship lifestyle, travel, and dining credit card. Crafted on Visa Infinite and RuPay platforms with a prestigious annual fee of ₹2,499 + GST, the renewal charge is completely waived upon achieving ₹2,50,000 in eligible retail spending within the card anniversary year (alongside joining fee waiver on ₹25,000 spend within the first 60 days).
Positioned as a formidable high-reward contender against premium cards from private banks, Eterna delivers an exceptional 15 reward points per ₹100 spent (3.75% valueback at 1 point = ₹0.25) across online shopping, restaurant dining, and travel bookings. Supported by unlimited domestic airport lounge access across India, a reduced 2.0% foreign currency markup fee, and monthly Buy One Get One (BOGO) movie privileges, it offers comprehensive luxury and everyday utility.
Key Privileges and Practical Everyday Benefits
- Industry-Leading 3.75% Return on Online, Dining & Travel: Earn 15 reward points per ₹100 spent (3.75% valueback) on restaurant dining, flight tickets, hotel reservations, and major online shopping portals (capped at 5,000 bonus points per billing cycle).
- Unlimited Domestic Airport Lounge Access: Enjoy unlimited complimentary domestic airport lounge visits across India (subject to meeting the ₹40,000 spend benchmark in the preceding calendar quarter).
- Reduced 2.0% Foreign Currency Markup: Pay only 2.0% + GST on overseas spending and international e-commerce sites, saving substantially compared to standard 3.5% banking fees.
- BOGO Cinema Tickets on District / Paytm Movies: Enjoy Buy One Get One free movie tickets up to ₹250 per month (twice a month up to ₹125 per ticket) via partner ticketing platforms.
- Elevated 0.75% Base Earning & Fuel Waiver: Earn 3 reward points per ₹100 spent (0.75% return) on all other general retail shopping, plus 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (up to ₹250 per cycle).
Important Terms and Spend Conditions to Keep in Mind
- Monthly Accelerated Points Cap: The 5X accelerated earning rate is capped at 5,000 bonus reward points per billing cycle on dining, travel, and online purchases.
- Airport Lounge Spend Qualification: Domestic airport lounge access requires spending a minimum of ₹40,000 in eligible retail transactions in the preceding calendar quarter.
- Excluded Spend Categories: Fuel purchases, wallet top-ups, rent payments, government transactions, and ATM cash advances do not accrue reward points.
- Attainable Fee Waiver Threshold: The ₹2,499 annual renewal fee is waived on reaching ₹2,50,000 or more in eligible retail spending in the previous anniversary year.
- Finance Charges (APR): Revolving unpaid statement balances attract standard interest charges of 3.49% per month (41.88% per annum).
Who Benefits Most
- Frequent Domestic Air Travelers: Executives and regular flyers who maximize unlimited complimentary domestic airport lounges throughout India.
- Dining & Travel Enthusiasts: Spenders seeking 3.75% return on flights, luxury hotels, and restaurant dining.
- Global Shoppers: Travelers who value a reduced 2.0% forex fee combined with a realistic ₹2.5 Lakh annual fee waiver.
- 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 & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).