BOB Eterna
Bank of Baroda
Last updated: Feb 03, 2026
₹2,499
₹2,499
2%
No lounge access
Contents
BOB Eterna is a premium lifestyle credit card from Bank of Baroda offering strong rewards on online, dining and travel spends, low forex markup and generous lounge benefits. Ideal for frequent domestic travellers and shoppers who want accelerated points and exclusive lifestyle privileges. Suited to customers who can meet quarterly spend criteria to unlock lounge access and milestone rewards.
Features of BOB Eterna which makes it unique
Unlimited Domestic Lounge Access
Unlimited domestic lounge visits on meeting quarterly spend criteria
Great for frequent domestic travellers
Stronger than many mid-premium cards
High Accelerated Rewards
Elevated points on online, dining and international spends
Faster point accumulation for lifestyle spenders
Competitive accelerated rates versus peers
Rewards Structure of BOB Eterna
Online Shopping
acceleratedDining
acceleratedRestaurants and dining outlets
International
acceleratedBase
baseAll other spends
Milestones of BOB Eterna
Quarterly Lounge Spend Requirement
₹40,000 (previous quarter) : Unlimited domestic lounge access when criteria met
Annual Milestone
₹5,00,000 : Milestone bonus points / benefits (subject to bank terms)
Fees & Charges of BOB Eterna
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,499 |
| Annual Fee | ₹2,499 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:May be waived or reduced during promotional periods or on meeting the bank's spend criteria.
Fee Explanation Standard bank rates and statutory taxes apply for all fees and overdue amounts.
Detailed Explanation of BOB Eterna Fees
Joining / Annual Fee: ₹2,499 (yearly)
Standard fee; may be waived during promotional periods.
Cash Advance Fee: 2.5% (min ₹500) (transaction)
Applies at ATM or cash withdrawal transactions.
Foreign Exchange Markup: 2% (transaction)
Applies to international/foreign currency transactions.
Lounge Access Benefits with BOB Eterna
domestic Lounges
silverVisits per year: 0
Guest access: Yes
Unlimited domestic access on meeting spend requirements.
Insurance Coverage with BOB Eterna
Air accident insurance
₹1,00,00,000As per policy; valid on international travel where applicable
Purchase protection
VariesSubject to merchant and purchase T&Cs
Additional Features of BOB Eterna
Contactless Payments
Tap-and-pay enabled
Add-on Cards
Multiple add-on cards available
Add-on card benefits may mirror primary card subject to bank policy
Welcome Bonus with BOB Eterna
Welcome Bonus: 10,000 Reward Points
Bonus Conditions: Valid for new customers only; points credited after spend verification. Terms & conditions apply.
Application Process for BOB Eterna
Processing Time
5-7 business days (subject to KYC and verification)
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via the BOBCARD / Bank of Baroda portal
Complete e-sign and upload KYC documents (or Video-KYC)
Receive verification from the bank
Card dispatched on approval (timeline varies)
Required Documents for BOB Eterna
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
BOB Eterna Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India for RuPay
International Acceptance
Accepted internationally where RuPay is supported; check merchant network
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Eterna
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required; Video-KYC or in-branch KYC may be used.
How Approval Is Decided
- Minimum income (bank-specific assessment)
- Indian resident with valid KYC
- Satisfactory credit score and verification
Pros of BOB Eterna
- Strong reward structure on online, dining and international spends
- Generous lounge access for frequent domestic travellers
- Meaningful milestone benefits
Cons of BOB Eterna
- Relatively high joining/annual fee (₹2,499)
- Lounge and some benefits require minimum quarterly/annual spends
Frequently Asked Questions about BOB Eterna
What documents are required to apply?
PAN and Aadhaar are typically required. Income proof for salaried/self-employed applicants may be requested.
Is there a joining fee?
Yes — joining and annual fee is ₹2,499 (plus taxes). Promotional lifetime-free offers may be announced periodically.
How do I get lounge access?
Unlimited domestic lounge access is available on meeting the bank’s quarterly spend criteria (commonly ₹40,000 in the previous quarter).
What is the forex markup fee?
Foreign currency transactions attract a forex markup of 2%.
How are reward points earned and redeemed?
Accelerated points on online, dining and international spends; base earn on other spends. Points redeemable for statement credit, vouchers or partner redemptions as per bank terms.
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