BOB Eterna Credit Card
Bank of Baroda
Last updated: Nov 24, 2025
₹2,499
₹2,499
2%
No lounge access
Contents
BOB Eterna is a premium lifestyle credit card tailored for frequent travellers and online shoppers. It offers accelerated reward points on dining, travel and international spends, reduced forex markup and unlimited domestic lounge access subject to spend criteria. Useful milestone rewards and partner perks position it for high-spend users seeking premium privileges.
Features of BOB Eterna Credit Card which makes it unique
FitPass Pro Welcome Gift
6 months FitPass Pro membership included as welcome benefit
Health & fitness subscription value
High welcome-perk value among peers
Unlimited Domestic Lounges
Unlimited domestic lounge access for qualifying spend
High travel convenience
Generous versus many premium cards that limit visits
Rewards Structure of BOB Eterna Credit Card
Dining
acceleratedRestaurants and dining merchants
Travel & International
acceleratedAirlines, hotels, travel bookings and international merchants
Base
baseAll other eligible merchants
Milestones of BOB Eterna Credit Card
Welcome Milestone
₹50,000 : 10,000 bonus reward points
Annual Milestone
₹5,00,000 : 20,000 bonus reward points
Fees & Charges of BOB Eterna Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,499 |
| Annual Fee | ₹2,499 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waived on ₹2,50,000 annual spend (per anniversary year).
Fee Explanation Standard bank rates and GST apply for overdue or reversed fees. Fee waivers and milestone credits are applied subject to bank terms.
Lounge Access Benefits with BOB Eterna Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: Yes
Complimentary unlimited domestic lounge access unlocked after ₹40,000 spend in the preceding calendar quarter.
international Lounges
silverVisits per year: 0
Guest access: No
No automatic international lounge access.
Insurance Coverage with BOB Eterna Credit Card
Personal accidental death cover
₹1,00,00,000 (air) / ₹10,00,000 (non-air)Primary cardholder only; subject to policy terms.
Purchase protection
VariesCheck bank T&Cs for eligible purchases and claim limits.
Additional Features of BOB Eterna Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 lifetime free add-on cards
Smart EMI
Instant EMI conversion on purchases > ₹2,500
Tenure 6–48 months; eligible merchants only.
Welcome Bonus with BOB Eterna Credit Card
Welcome Bonus: 10,000 Reward Points
Bonus Conditions: Bonus points awarded when you spend ₹50,000 within the first 60 days of card issuance. Additional milestone bonuses (e.g. 20,000 points on ₹5,00,000 annual spend) apply as per bank T&Cs.
Application Process for BOB Eterna Credit Card
Processing Time
5-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via BOBCARD portal or bank branch
Complete e-sign / Video-KYC as prompted
Upload KYC documents
Receive verification and card dispatched
Required Documents for BOB Eterna Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried/self-employedAccepted documents:
BOB Eterna Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally (network-dependent)
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Eterna Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹1,000,000
Minimum annual income
Self-Employed Applicants
₹1,000,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be Indian resident and provide PAN and Aadhaar as applicable.
How Approval Is Decided
- Minimum net annual income (guideline) ₹12 Lakh+
- Indian resident
- Credit score above required threshold
Pros of BOB Eterna Credit Card
- Strong reward structure for online, travel and dining
- Unlimited domestic lounges for qualifying users
- Attractive milestone bonuses and welcome perks
Cons of BOB Eterna Credit Card
- High standard joining/annual fee (unless on limited LTF offers)
- Large exclusion list for reward eligibility (some MCCs excluded)
Frequently Asked Questions about BOB Eterna Credit Card
Is there a joining fee?
Yes. Standard joining and annual fee is ₹2,499 (may be waived as part of limited offers or milestone spend criteria).
How do I get unlimited lounge access?
Unlimited domestic lounge access is unlocked after you spend ₹40,000 in the preceding calendar quarter (check bank T&Cs).
What is the forex markup?
A reduced forex markup of 2% is charged on international transactions.
What is the welcome bonus?
10,000 bonus reward points for spending ₹50,000 within the first 60 days (conditions apply).
How can I waive the annual fee?
Annual fee can be waived by meeting the annual milestone spend (e.g., ₹2,50,000 per anniversary year) or during limited LTF offers.
Which mobile wallets are supported?
Supported wallets include google pay, phone pay, paytm, apple pay, samsung pay, amezon pay (availability subject to bank tokenisation rules).
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