Cards / Bank of Baroda (BOBCARD)

Bank of Baroda (BOBCARD)BOBCARD Eterna

BOBCARD Eterna Credit Card

Bank of Baroda (BOBCARD) · Premium

Reviewed by Chandan Kumar Dash

5X rewards (15 points per INR 100) on dining, movies and shopping; 3 points per INR 100 on other categories.

Saved only in this browser. Sale pages then show your own best card.

Joining fee

₹2,499

Annual fee

₹2,499

Waiver spend

₹2,50,000

Forex markup

2%

Fee waiver

Spend ₹2,50,000 in a card year and the next annual fee is waived.

That is about ₹20,833 a month.

Work out what you still need to spend

Recent changes

• 25 August 2026Worse for you

  Complimentary air and non-air accidental death insurance is withdrawn for existing cardholders.

  Source

• 15 July 2026Worse for you

  Finance charges rise from 3.25% to 3.75% a month.

  Source

• 15 July 2026Worse for you

  Domestic lounge access now needs Rs 75,000 spend in the preceding quarter, up from Rs 40,000.

  Source

All card changes in 2026

Work it out for this card

Offers on this card now

• Shopping
  AJIO

  10% instant discount up to ₹1,000 on AJIO

  Minimum order ₹3,000. No code needed.

  Ends 24 OctBank's terms

• Food
  Swiggy

  10% off up to ₹100 on Swiggy food orders

  Minimum order ₹499. Fridays, Saturdays and Sundays only, once a month per user. Use code BOBCARD100.

  Ends 27 DecBank's terms

See every bank on the card offers page. Checked 18 Oct from the bank's own pages; read the bank's terms before you pay.

How the app counts rewards

• 15 points per ₹100 on travel agents, dining and international (up to 5,000 points a month)
• 15 points per ₹100 online (shared 5,000-point monthly cap)
• 3 points per ₹100 in store

No rewards on education, fuel, groceries, insurance, rent, wallet loads.

Airport lounges

• Domestic: Unlimited visits

Unlimited domestic visits after ₹75,000 spend in the previous calendar quarter

Points

BOBCARD Reward Points, worth about ₹0.25 each on the usual redemption.

Work out what your points are worth

Who can apply

• Salaried: income of ₹12,00,000 a year or more
• Self-employed: income of ₹12,00,000 a year or more

Page gives age as 21 to 65 and 25 to 55 in different places

Published minimums. Approval is the bank's decision. See every card you qualify for.

Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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