M16S / Bank of Baroda / Bank of Baroda BOBCARD Eterna
premium · rewards, travel
Bank of Baroda BOBCARD Eterna
The Bank of Baroda BOBCARD Eterna costs Rs 2,499 a year, waived if you spend Rs 2,50,000 in a year. Its base return is 0.75% (3 RP per Rs 100). Accelerated earn: 15 RP per Rs 100 (5X) on dining, travel and international spends; one issuer page adds shopping/online. The forex markup is 2%. Lounge visits in India: Unlimited domestic airport lounge access. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 2,499+ GST
- Fee waived at
- Rs 2,50,000annual spend
- Base return
- 0.75%
- Forex markup
- 2%
- Interest
- 3.25%a month
What changed on this card
- BOBCARD sets Eterna joining and first-year fee to Rs 0 from September 2026
From 1 September 2026 the BOBCARD Eterna page states a joining and first-year fee of Rs 0. From the second year, Rs 2,499 annual fee waived from year two on Rs 2,50,000 spend in the preceding card anniversary year. The 17 July 2026 key fact statement lists a first-year fee of Rs 2,499. Source: BOBCARD, bobcard.co.in, read 28 Oct 2026
- BOBCARD ends air and non-air accidental death cover on three cards, Aug 2026
The air and non-air accidental death cover is not available on Eterna, Premier and Select cards issued after 15 July 2026, and is discontinued for all cardholders effective 25 August 2026. Source: BOBCARD, media.bobcard.co.in, read 28 Oct 2026
- BOBCARD raises Eterna lounge spend gate from Rs 40,000 to Rs 75,000, Jul 2026
From 15 July 2026 unlimited domestic lounge access on Eterna needs Rs 75,000 of spend in the preceding calendar quarter, up from Rs 40,000. Source: BOBCARD, media.bobcard.co.in, read 28 Oct 2026
- BOBCARD raises Eterna finance charge from 3.25% to 3.75% a month, Jul 2026
From 15 July 2026 the Eterna finance charge is 3.75% per month (45% per annum), up from 3.25% per month (39% per annum). Source: BOBCARD, media.bobcard.co.in, read 28 Oct 2026
- BOBCARD starts core reward points on telecom spends from April 2026
From 1 April 2026 telecom spends (MCC 4814) earn core reward points on all BOBCARD variants. The notice lists the core rate as 3 points per Rs 100 on Eterna, 2 on Premier and 1 on Select. Source: BOBCARD, media.bobcard.co.in, read 28 Oct 2026
- BOBCARD adds 1% fees on education apps, tolls and rail bookings, Apr 2026
From 1 April 2026 a 1% fee (maximum Rs 5000 per transaction) applies to online education fee payments through third party apps. A flat 1% fee applies to toll and bus transactions (MCC 4784) of Rs 5000 or more, and 1% (maximum Rs 5000) to railway bookings of Rs 30,000 or higher. Source: BOBCARD, media.bobcard.co.in, read 28 Oct 2026
- BOBCARD starts core reward points on utility bills from July 2025
From 1 July 2025 utility bill payments (MCC 4900) earn core reward points on all BOBCARD variants. The notice lists the core rate as 3 points per Rs 100 on Eterna, 2 on Premier and 1 on Select. Source: BOBCARD, media.bobcard.co.in, read 28 Oct 2026
- BOBCARD sets 1,000 point minimum for statement balance redemption, Jul 2025
From 1 July 2025 redeeming reward points against the statement balance needs a minimum of 1000 points on all credit card variants. Source: BOBCARD, media.bobcard.co.in, read 28 Oct 2026
- BOBCARD adds 1% fee on wallet loads and ends points on them, Jan 2025
From 1 January 2025 wallet loading transactions (MCC 6539, 6540, 6541, 6542) carry a 1% processing fee and earn no core reward points. Source: BOBCARD, media.bobcard.co.in, read 28 Oct 2026
- BOBCARD adds 1% fees on large utility and fuel transactions, Jan 2025
From 1 January 2025 a 1% processing fee (maximum Rs 3000 per transaction) applies to utility transactions (MCC 4900) of Rs 50,000 or higher, and a 1% fee applies to fuel transactions of Rs 10,000 or higher. The fuel fee does not apply to the HPCL ENERGIE card. Source: BOBCARD, media.bobcard.co.in, read 28 Oct 2026
- BOBCARD removes the 500 point UPI reward cap per cycle, Jan 2025
From 1 January 2025 BOBCARD removed the earlier cap of 500 reward points per statement cycle on UPI transactions. Source: BOBCARD, media.bobcard.co.in, read 28 Oct 2026
- BOBCARD ties Eterna and Premier lounge access to quarterly spend, Jan 2025
From 1 January 2025 Eterna keeps unlimited domestic lounge visits only with Rs 40,000 spent in the preceding calendar quarter. Premier keeps 1 visit per quarter only with Rs 20,000 spent in the preceding calendar quarter. Source: BOBCARD, media.bobcard.co.in, read 28 Oct 2026
- BOBCARD ends golf benefits on Eterna from January 2025
From 1 January 2025 golf benefits are discontinued on the Eterna and Eterna FD cards, along with Yoddha, The Sentinel and Rakshamah. Source: BOBCARD, media.bobcard.co.in, read 28 Oct 2026
- BOBCARD stops core reward points on special MCCs for Eterna, Premier, Select, Jul 2024
From 15 July 2024 Eterna, Premier and Select earn no core reward points on the special merchant categories in the notice (including agriculture, contractors, transportation, telecom, utility, insurance, rent, education and government), and none on fuel. Source: BOBCARD, media.bobcard.co.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 2,499 |
|---|---|
| Annual fee | Rs 2,499 |
| Annual spend that waives the fee | Rs 2,50,000 |
| Fee notes | Joining fee Rs 2,499 waived on Rs 25,000 spend in first 60 days (otherwise charged in the 3rd statement). Annual fee Rs 2,499 waived on Rs 2.5 lakh spend in the card anniversary year. GST on fees not reversed; waivers only for non-delinquent accounts. |
Rewards
| Welcome benefit | FITPASS Pro membership (one issuer page says 6 months worth Rs 15,000, another says 12 months worth Rs 48,000), to be claimed within 60 days; primary card only |
|---|---|
| Reward currency | BOBCARD Reward Points |
| Base earn | 3 RP per Rs 100 |
| Base return | 0.75% |
| Point valueunverified | 1 Reward Point = Rs 0.25 as cashback |
| Accelerated earn | 15 RP per Rs 100 (5X) on dining, travel and international spends; one issuer page adds shopping/online |
| Caps | 5X earn capped at 5,000 RP per statement cycle; spends beyond that earn 3 RP per Rs 100 |
| Spends that earn nothing | Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points. |
| Points expiry | No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC) |
| Milestone benefits | 10,000 bonus RP on Rs 50,000 spend within 60 days; 20,000 bonus RP on Rs 5 lakh spend in a year |
| Reward notes | base_return_pct = 3 RP x Rs 0.25 / Rs 100 = 0.75%; accelerated categories return 3.75% until the 5,000 RP cycle cap. Point value of Rs 0.25 is taken from the issuer's other card pages and Tiara page; the Eterna page itself does not state it. |
Travel and perks
| Domestic lounge | Unlimited domestic airport lounge access |
|---|---|
| Lounge conditions | From 1 Jan 2025, requires minimum spend of Rs 40,000 in the preceding calendar quarter |
| Forex markup | 2% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points |
| Other freebies | Buy-one-get-one movie ticket on District, up to Rs 250 per month; golf access (network-specific terms) |
Charges and eligibility
| Interest per month | 3.25% |
|---|---|
| Late payment fee | Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300 |
| Cash advance fee | 2.5% of amount or Rs 500, whichever is higher |
| Eligibility | Indian resident, salaried or self-employed, net annual income above Rs 12 lakh; age 21-65 (one page says 25-55) |
| Fine-print notes | MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. The issuer's pages advertise a 'limited period lifetime free' offer on this card (one page cites 31 March 2026 as the end date, an aggregator cites June 2026); standard fees are recorded here, so check whether the offer is still live. An Eterna FD-backed version carries the same fees. |
Questions
- What is the annual fee of the Bank of Baroda BOBCARD Eterna?
- Rs 2,499 a year, before GST. It is waived if you spend Rs 2,50,000 in a year.
- Does the Bank of Baroda BOBCARD Eterna give airport lounge access?
- Yes. In India: Unlimited domestic airport lounge access. Outside India: none listed. Conditions: From 1 Jan 2025, requires minimum spend of Rs 40,000 in the preceding calendar quarter
- What is the forex markup on the Bank of Baroda BOBCARD Eterna?
- 2% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Bank of Baroda BOBCARD Eterna?
- Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.