← Part of BOB Credit Cards in India
The BOB Eterna Credit Card, a premium offering from Bank of Baroda, provides annual smart savings of up to ₹81,000 for cardholders in 2026. This card targets high earners with a net annual income of ₹12 lakh or more, often available as a Lifetime Free (LTF) option for new customers until June 30, 2026. IT combines unlimited domestic lounge access with a 3.75% reward rate on travel and dining spends.
| Parameter | Details |
|---|---|
| Card Name | BOBCARD Eterna Credit Card |
| Card Type | Premium Lifestyle and Travel Privileges Card |
| Card Segment | High-end Travel Segment |
| Issuer | Bank of Baroda (BOBCARD) |
| Best Suited For | Online Shopping, Travel, Dining, International Spends |
| Joining Fee (2026) | ₹2,499 + GST (Currently Lifetime Free for new customers until June 30, 2026) |
| Annual Fee (2026) | ₹2,499 + GST (Currently Lifetime Free for new customers until June 30, 2026) |
| Joining Fee Waiver Condition | Spend ₹25,000 within the first 60 days |
| Annual Fee Waiver Condition | Spend ₹2.5 lakh or more within one year |
| Welcome Benefit | 10,000 bonus reward points (offsets joining fee) |
| Additional Welcome Benefit | Complimentary FITPASS Pro membership for 12 months (worth ₹48,000, activate within 60 days) |
| Foreign Currency Markup Fee | 2% (lower than most premium cards) |
| Fuel Surcharge Waiver | 1% (on transactions between ₹400 and ₹5,000, max ₹250/month) |
| Domestic Airport Lounge Access | Unlimited complimentary access (on ₹40,000 spend in previous quarter) |
| Domestic Lounges Accessible | 60+ partner lounges across India |
| Movie Benefits | Buy One Get One (BOGO) movie tickets (max benefit ₹250/month on District app) |
| Dining Privileges | 250+ culinary deals via Mastercard’s priceless specials |
| Reward Points (Online/Travel/Dining/Movies) | 15 reward points for every ₹100 spent (~3.75% value-back) |
| Reward Points (Other Spends) | 3 reward points for every ₹100 spent (~0.75% value-back) |
| Maximum Accelerated Reward Points | 5,000 reward points per statement cycle |
| Reward Redemption Ratio | 1 reward point = ₹0.25 |
| Add-on Cards | Up to 3 free add-on cards (for parents, spouse, siblings, children 18+) |
| Card Network Variants | Visa, Mastercard, RuPay |
| Customer Care Email | eterna@bobfinancial.com |
| Customer Care Phone | 1800 103 1002 |
The BOB Eterna card stands out for its competitive 2% forex markup and substantial reward earnings, making IT a strong choice for frequent travelers and online shoppers in India.
Eterna Benefits & Features
The BOB Eterna Credit Card offers unlimited complimentary access to over 60 domestic airport lounges, provided a minimum spend of ₹40,000 in the previous quarter. Cardholders also receive 15 reward points for every ₹100 spent on online, travel, dining, and movie purchases, translating to an effective reward rate of up to 4.75% with annual milestones.
| Type/Category | Details | Key Feature |
|---|---|---|
| Lounge Access | Unlimited complimentary access to 60+ domestic airport lounges across India for primary and add-on cardholders. | Unlimited Domestic Airport Lounge Access |
| Rewards Earning | 15 reward points for every ₹100 spent on online, travel, dining, and movie purchases. | Accelerated Rewards on Key Spends |
| Effective Reward Rate | Up to 4.75% effective reward rate, including an additional 1% on annual spending of ₹5 lakh. | High Effective Reward Rate |
| Foreign Exchange | Reduced foreign currency mark-up of 2% on international spends, lower than most premium cards. | Low Forex Mark-up |
| Entertainment | Buy One Get One (BOGO) movie tickets on the District app, with a maximum benefit of ₹250 per month. | Movie Ticket Benefits |
| Dining Privileges | Access to over 250 culinary deals through Mastercard’s priceless specials. | Exclusive Dining Privileges |
| Welcome Benefit | 10,000 bonus reward points as a welcome gift, effectively offsetting the joining charge of ₹2,499 + GST. | Welcome Reward Points |
| Health & Wellness | Complimentary FITPASS Pro membership for 12 months, valued at ₹48,000, providing access to 2500+ fitness studios across India (activate within 60 days). | Complimentary Fitness Membership |
| Fuel Surcharge | 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations in India. | Fuel Surcharge Waiver |
| Add-on Cards | Up to 3 free add-on cards available for family members (parents, spouse, siblings, or children aged 18+). | Free Add-on Cards |
| Customer Support | Dedicated customer care via email eterna@bobfinancial.com and phone 1800 103 1002. | Premium Customer Service |
| Card Network Variants | Available on Visa, Mastercard, and RuPay networks. | Multiple Network Options |
The BOB Eterna Credit Card is positioned as a premium lifestyle and travel card, offering substantial value-back on high-frequency spending categories and travel perks.
Eterna Fees & Charges 2026
The BOB Eterna Credit Card carries a standard joining fee and annual fee of ₹2,499 + GST each, as of 2026. However, Bank of Baroda is offering the card as Lifetime Free for new customers until June 30, 2026, making IT a zero-cost premium option.
| Metric | Value | Notes |
|---|---|---|
| Joining Fee | ₹2,499 + GST | Currently offered as Lifetime Free for new customers until June 30, 2026. |
| Annual Fee | ₹2,499 + GST | Currently offered as Lifetime Free for new customers until June 30, 2026. |
| Joining Fee Waiver Condition | ₹25,000 spend in first 60 days | Applies if not availed as Lifetime Free. |
| Annual Fee Waiver Condition | ₹2.5 lakh annual spend | Applies if not availed as Lifetime Free. |
| Foreign Currency Mark-up Fee | 2% | Lower than most other premium cards in India. |
| Fuel Surcharge Waiver | 1% | Applicable on transactions between ₹400 and ₹5,000 at all petrol stations. |
| Cash Advance Fee | 2.5% of withdrawn amount | Minimum fee of ₹500 per transaction. |
| Processing Fee (Wallet/Utility) | 1% | Applicable for utility transactions exceeding ₹50,000. |
The card’s competitive 2% foreign currency mark-up fee makes IT suitable for international travel, offering savings compared to standard 3.5% charges on other premium cards.
Eterna Reward Points Program
The BOB Eterna Credit Card offers a strong reward program, providing 15 reward points for every ₹100 spent on specific categories. These points translate to a high reward rate, especially on online, travel, dining, and international transactions.
Cardholders can maximize their savings through accelerated rewards and bonus points, making IT a strong option for lifestyle and travel spending in 2026.
- Welcome Bonus: New cardholders receive 10,000 bonus reward points upon activation, which helps offset the joining fee of ₹2,499 + GST.
- Accelerated Rewards: Earn 15 reward points for every ₹100 spent on online purchases, travel bookings, dining expenses, and movie tickets.
- General Spends: All other retail spends typically earn 3 reward points per ₹100, excluding fuel and certain restricted categories.
- Reward Point Value: Each reward point is generally valued at ₹0.25, meaning 15 points per ₹100 translates to a 3.75% reward rate on accelerated categories.
- Redemption Options: Reward points can be redeemed against a wide range of options, including cashback, merchandise, travel vouchers, and e-vouchers from partner brands.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is available on transactions between ₹400 and ₹5,000 at all petrol pumps across India, capped at ₹250 per month.
- Movie Benefits: Cardholders receive a “Buy One Get One” offer on movie tickets booked via the District app, with a maximum benefit of ₹250 per month.
- Foreign Currency Mark-up: The card features a reduced foreign currency mark-up fee of 2% on international transactions, lower than the standard 3.5% charged by many premium cards.
The Eterna reward points program is designed to deliver significant value, particularly for frequent travelers and those with high online and lifestyle spending.
Eterna Eligibility Criteria
To qualify for the BOB Eterna Credit Card in 2026, applicants must be Indian residents aged 21 to 65 years for primary cards. A strong CIBIL score, typically above 750, is for approval, especially for this premium offering.
- Residency: All primary and add-on cardholders must be residents of India.
- Age: Primary card applicants must be between 21 and 65 years old. Add-on cardholders need to be 18 years or older.
- Income: A net annual income exceeding ₹12 lakh is generally required to be considered for the card, particularly for Lifetime Free (LTF) offers.
- Credit Score: A minimum CIBIL score of 750 is expected by Bank of Baroda for credit card applications. Applicants with scores below 770 may need to submit additional documents like bank statements.
- New Customer Status: The Lifetime Free offer for the BOB Eterna Credit Card is exclusively for new BOBCard customers, not existing cardholders.
- Spend-Based Waivers: The joining fee can be waived by spending ₹25,000 within the first 60 days. The annual fee for the subsequent year is waived if annual spends exceed ₹2.5 lakh.
- Application Process: The digital application involves filling an online form, e-signing with Aadhaar, and identity verification via Video KYC, which can lead to approval in as little as 15 minutes.
Meeting these criteria the likelihood of approval for the BOB Eterna Credit Card, which is designed for high earners seeking premium lifestyle and travel benefits.
Eterna Vs. BoB Premier
The BOB Eterna Credit Card is a premium offering, designed for high-spenders and frequent travelers, with a 2% forex markup fee. In contrast, the BoB Premier Credit Card serves users seeking a simpler, often lifetime-free RuPay option for daily use and UPI payments.
| Feature | BOB Eterna Credit Card | BOB Premier Credit Card |
|---|---|---|
| Card Type | Premium travel and lifestyle card | Mid-range travel and lifestyle card |
| Forex Markup Fee | 2% | 3.5% + GST |
| Domestic Airport Lounge Access | Unlimited complimentary access (on meeting spend criteria of ₹40,000 in previous quarter) | Complimentary access to 35+ airport lounges across 22 Indian cities |
| Reward Rate (Accelerated Categories) | 3.75% (on travel, dining, online, international spends) | Higher reward points on travel, dining, and international spends |
| Lifetime Free Offer | Currently available for select eligible users (until 30th June 2026) | Often available as Lifetime Free RuPay card |
| Target User | Frequent travelers and high spenders with annual income >₹12 lakh | Users looking for a simple Lifetime Free RuPay credit card for UPI payments and occasional sale discounts |
| Fuel Surcharge Waiver | 1% (transactions between ₹400 and ₹5,000) | Zero fuel surcharge on fuel spends |
| Add-on Cards | Up to 3 free add-on cards | Lifetime-free add-on cards (up to three) |
While Eterna offers superior reward rates and lower forex charges, BoB Premier provides a more accessible entry point with its frequent lifetime-free offers and zero fuel surcharge benefit.
Applying for BOB Eterna
Applying for the BOB Eterna Credit Card in 2026 is a digital process, primarily requiring an online application, Aadhaar e-sign, and Video KYC. New Bank of Baroda credit card customers can avail a Lifetime Free offer until June 30, 2026, provided they meet the eligibility criteria.
The application process is designed for quick approval, with digital cards issued within 12 hours for eligible applicants.
- Eligibility for Lifetime Free Offer: New BOBCard customers with a net annual income of ₹12 lakh or higher are eligible for the Lifetime Free (LTF) offer, valid until June 30, 2026.
- Application Process: The digital application involves filling an online form, e-signing with Aadhaar, and completing a Video KYC for identity verification.
- Processing Time: Digital cards can be issued within 12 hours, with physical cards delivered approximately 23 days from the application date.
- Credit Score Impact: A CIBIL score below 770 or existing cards with low credit limits may require submission of bank statements for approval.
- Existing Cardholders: Current Bank of Baroda credit cardholders are not eligible for the Lifetime Free offer on the BOB Eterna card.
- Fee Waiver Conditions: The joining fee of ₹2,499 is waived on spending ₹25,000 within the first 60 days, and the annual fee of ₹2,499 is waived on an annual spend of ₹2.5 lakh.
Ensure all eligibility criteria are met and required documents are ready to streamline your application for the BOB Eterna Credit Card.
Eterna Customer Support
Bank of Baroda offers dedicated customer support channels for Eterna Credit Card holders, including a specific toll-free number 1800 103 1002. General BOBCARD helplines 1800 2090 and 1800 1210 are also available 24×7 for various card services.
| Resource | Type | Where to Access |
|---|---|---|
| Toll-Free Helpline (Eterna specific) | Phone | 1800 103 1002 |
| Toll-Free Helpline (General BOBCARD) | Phone | 1800 2090, 1800 1210 |
| Email Support (Eterna specific) | eterna@bobfinancial.com | |
| Email Support (General BOBCARD) | BOBCARD website (Email Support section) | |
| Online Card Account | Digital Portal | BOBCARD mobile app or customer portal |
| WhatsApp Support | Messaging | BOBCARD WhatsApp number (drop a ‘Hi’) |
| Customer Grievances and Redressal Cell | Dedicated Cell | BOBCARD (for unresolved queries/complaints) |
| Escalation (Level 2) | escalations@bobfinancial.com | |
| Escalation (Level 2) | Phone | 022-69753600 |
| Hot-listing Credit Card | SMS | Send BLOCK + last four digits of card number to 9223172141 |
| Hot-listing Credit Card | Digital Portal | BOBCARD mobile app or customer portal |
| Discontinued Toll-Free Numbers (effective June 15, 2026) | Phone | 18002665100, 18002667100, 18001031006 |
These channels help cardholders with PIN generation, card blocking, replacement, and general inquiries, ensuring full support for their Eterna Credit Card.
Key Takeaways
- The BOB Eterna Credit Card offers a dedicated customer care number (1800 103 1002) for specific card inquiries.
- General BOBCARD helplines (1800 2090, 1800 1210) are available 24×7 for various services like PIN management and card blocking.
- Email support is available at eterna@bobfinancial.com, with an escalation channel for unresolved issues at escalations@bobfinancial.com or 022-69753600.
For immediate assistance or to manage your BOB Eterna Credit Card, contact the dedicated helpline or access your account via the BOBCARD mobile app.
Frequently Asked Questions (FAQs)
What are the main benefits of the BOB Eterna Credit Card in 2026?
The BOB Eterna Credit Card offers unlimited domestic airport lounge access, 15 reward points per ₹100 spent on online, travel, dining, and movie purchases, and a reduced 2% foreign currency markup fee. Cardholders also receive 10,000 bonus reward points as a welcome gift, effectively offsetting the joining fee (as of June 2026). IT also includes buy-one-get-one movie tickets via the District app, up to ₹250 per month.
What is the foreign currency markup fee for the BOB Eterna Credit Card?
The BOB Eterna Credit Card has a foreign currency markup fee of 2%. This is lower than the typical 3.5% to 4% charged by many other premium credit cards in India. This reduced fee makes IT a suitable option for international travel and online foreign transactions.
Does the BOB Eterna Credit Card offer airport lounge access?
Yes, the BOB Eterna Credit Card provides unlimited complimentary access to over 60 domestic airport lounges across India. This benefit is a key feature, offering a premium travel experience for cardholders. The welcome perk alone is valued at ₹15,000, as per BOBCARD’s website (June 2026).
What are the reward points for the BOB Eterna Credit Card?
BOB Eterna Credit Cardholders earn 15 reward points for every ₹100 spent on online, travel, dining, and movie categories. For all other retail spends, cardholders earn 3 reward points per ₹100. These points can be redeemed for various options, including flights and upgrades.
What are the eligibility criteria for the BOB Eterna Credit Card?
To be eligible for the BOB Eterna Credit Card, applicants must be residents of India. Specific income requirements and a strong CIBIL score, typically above 750, are also expected by BOBCARD for this premium offering. Both primary and add-on cardholders must meet these residency requirements.
What are the movie and dining benefits with the BOB Eterna Credit Card?
The BOB Eterna Credit Card offers significant movie and dining benefits, including buy-one-get-one (BOGO) movie tickets on the District app, with a maximum benefit of ₹250 per month. Cardholders also gain access to over 250 culinary deals through Mastercard’s Priceless Specials program. These perks lifestyle experiences for cardholders.
How can I apply for the BOB Eterna Credit Card online?
You can apply for the BOB Eterna Credit Card online by visiting the official BOBCARD website. The digital application process involves filling out an online form, e-signing using Aadhaar, and completing a Video KYC for identity verification. This streamlined process allows for quick application submission.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.