Bank of Baroda
BOBCARD ETERNA Credit Card
Annual Fee
₹2,949₹2,499 + GSTBase Reward
3.75% points
Foreign Markup
2%
Welcome Benefits
6-Month FitPass Pro Membership Worth ₹15,000 and 10,000 Bonus Reward Points
Product Highlights
- Unlimited Domestic Airport Lounge Access
- 15 Reward Points for every ₹100 spent on online, travel, dining, and movie purchases
- 6-Month FitPass Pro Membership as a welcome gift
Category Rewards
dining
5X on dining, travel, intl, shopping
5X
travel
5X on dining, travel, intl, shopping
5X
Specialty
5X on dining, travel, intl, shopping
5X
shopping
5X on dining, travel, intl, shopping
5X
Fee Waiver
Joining fee waived on spending ₹25,000 in the first 60 days
Reward Calculator
Costs you ₹699/year
Break-even needs ~₹17,039/month at your reward mix.
₹13K
across all your buckets
9K
BOBCARD Reward Points
₹2.3K
via standard · ₹0.25/pt
Effective rate
1.44%
Annual fee
₹2,949
Year 1 net
₹-699
Year 2+ net
₹-699
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
10,000 bonus reward points
per year · You spend ≈ ₹6L
20,000 bonus reward points
Real Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
5X on dining, travel, intl, shopping
Headline: 3.75% effective
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
2%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, government
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 15 Reward Points for every ₹100 spent on online shopping, travel, dining, and movie purchases. Earn 3 Reward Points for every ₹100 spent on other eligible spends.
- Reward Points Are Redeemable as Cashback at a Rate of 1 RP = ₹0.25
Benefits & Features
Domestic: Unlimited Domestic Airport Lounge Access (Spends of ₹40,000 in the Previous Quarter) International: N/A Unlimited complimentary lounge access at domestic airports across India.
Pros & Cons
Pros
- Offers both a joining and an annual fee spend-based waiver
- Air Accident Death Cover of ₹1 crore
Cons
- Unlimited domestic airport lounge access requires spending ₹40,000 or more
- Golf Games and Lessons were removed from benefits
Additional Info
Maximum of 5,000 reward points per statement cycle at accelerated rates.
Excluded Categories
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹12.0L+
Self-Emp
₹12.0L+
Networks
Fee Waiver
Joining fee waived on spending ₹25,000 in the first 60 days