Offer Truth
- Joining fee₹2,499
- Annual fee₹2,499
- Waiver threshold₹2,50,000
- Cap typenone
- Cap resetnone
- Last verified2026-02-12
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BoB • MasterCard
BoB Eterna
Accelerated reward points on travel, dining and international spends with premium travel and lifestyle benefits.
Reviewed by Amodh Shetty
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹2499Waived on ₹2.5L spend
Base Reward0.8%On all spends
Lounge Access1913 domestic • 6 intl
Est. Annual Savings₹2,033Based on ₹4.8L annual spend
Fee waiver & value estimator
Adjust your spend to see fee waiver eligibility and capped rewards.
Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹2,700
Assumes base reward rate only.
Annual feeWaived
Waived on ₹2.5L spend
Net value₹2,700
Estimated savings per year.
Fee waiver target: ₹2,50,000 annual spend.
Reward Rate Breakdown
Category-wise reward rates for this card
Upgrade Path
These are objective same-bank step-up options from the current rewards and lounge model.
BOBCARD PRIME: Guaranteed Credit Card with Zero Documentation
Annual fee: Free
Shared focus: Travel+63 more lounge visits in current datasetNo higher annual fee vs current card
View DetailsLounge Eligibility Checklist
Mapped from issuer lounge dataset + card policy signals
Lounge Spend Tracker
Eligibility target met: NoTrack lounge eligibility for BoB Eterna using your current period spend.
₹0 spentAdd threshold to start tracking
No spend threshold was detected from current lounge policy text. You can still track manually.
Spend threshold
Verify issuer-side spend thresholds, card eligibility, and visit caps before travel.
Quarter / cycle rule
No quarter or billing-cycle lounge rule is explicitly listed.
Guest access
Guest access policy is not explicitly listed in current data.
Priority Pass
International lounge access is listed; verify if this is via Priority Pass or direct network.
Lounge Locations
19 airport lounge rowsView lounge map and location list19 rows
Loading interactive lounge map...
Click a city marker to jump to its lounge list below.
Ahmedabad
1 lounges • 1 domestic • 0 international
1
Ahmedabad
1 lounges • 1 domestic • 0 international
TheDomestic
AHM • Ahmedabad Airport • Terminal 1
Bengaluru
1 lounges • 1 domestic • 0 international
1
Bengaluru
1 lounges • 1 domestic • 0 international
BlrDomestic
BEN • Bengaluru Airport • Terminal 1
Chennai
2 lounges • 1 domestic • 1 international
2
Chennai
2 lounges • 1 domestic • 1 international
TravelDomestic
CHE • Chennai Airport • Terminal 1
TravelInternational
CHE • Chennai Airport • Terminal 2
Goa
1 lounges • 1 domestic • 0 international
1
Goa
1 lounges • 1 domestic • 0 international
EncalmDomestic
GOA • Goa Airport • Terminal 1
Hyderabad
2 lounges • 1 domestic • 1 international
2
Hyderabad
2 lounges • 1 domestic • 1 international
EncalmInternational
HYD • Hyderabad Airport • Terminal 1
EncalmDomestic
HYD • Hyderabad Airport • Terminal 1
Kochi
2 lounges • 1 domestic • 1 international
2
Kochi
2 lounges • 1 domestic • 1 international
EarthDomestic
KOC • Kochi Airport • Terminal 1
EarthInternational
KOC • Kochi Airport • Terminal 3
Kolkata
2 lounges • 1 domestic • 1 international
2
Kolkata
2 lounges • 1 domestic • 1 international
TravelDomestic
KOL • Kolkata Airport • Terminal 1
TravelInternational
KOL • Kolkata Airport • Terminal 2
Mumbai
3 lounges • 2 domestic • 1 international
3
Mumbai
3 lounges • 2 domestic • 1 international
AdaniDomestic
MUM • Mumbai Airport • Terminal 2
LoyaltyInternational
MUM • Mumbai Airport • Terminal 2
TravelDomestic
MUM • Mumbai Airport • Terminal 1c
New Delhi
4 lounges • 3 domestic • 1 international
4
New Delhi
4 lounges • 3 domestic • 1 international
EncalmDomestic
NEW • New Delhi Airport • Terminal 1
EncalmDomestic
NEW • New Delhi Airport • Terminal 2
EncalmDomestic
NEW • New Delhi Airport • Terminal 3
EncalmInternational
NEW • New Delhi Airport • Terminal 3
Pune
1 lounges • 1 domestic • 0 international
1
Pune
1 lounges • 1 domestic • 0 international
EarthDomestic
PUN • Pune Airport • Terminal 1
Redemption Optimizer Unavailable
Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.
Decision Data Enrichment
Reused from validated provider snapshots with freshness gates and quality filters.
Top boost: InternationalExclusion risk: medium (47/100)Best redemption: Cashback (Cashback)Value band: ₹0.20-₹0.35/ptNearest offer expiry: 2026-02-20Forex fee: 2.00%Domains with data: 6
Earn Rule Matrix
Boosted, capped, and zero-reward categories in one table.
| Category / Merchant | Reward | Bucket |
|---|---|---|
| International Base: 3 Reward Points (RPs) per ₹100 spent Note: Categories or merchants not listed below will earn base rewards | 15 RPs Earn 15 RPs per ₹100 spent | |
| Dining Base: 3 Reward Points (RPs) per ₹100 spent Note: Categories or merchants not listed below will earn base rewards | 15 RPs Earn 15 RPs per ₹100 spent | |
| Movies Base: 3 Reward Points (RPs) per ₹100 spent Note: Categories or merchants not listed below will earn base rewards | 15 RPs Earn 15 RPs per ₹100 spent | |
| Online Travel Agencies Base: 3 Reward Points (RPs) per ₹100 spent Note: Categories or merchants not listed below will earn base rewards | 15 RPs Earn 15 RPs per ₹100 spent | |
| Education Base: 3 Reward Points (RPs) per ₹100 spent Note: Categories or merchants not listed below will earn base rewards | 3 RPs Earn 3 RPs per ₹100 spent | |
| Government Base: 3 Reward Points (RPs) per ₹100 spent Note: Categories or merchants not listed below will earn base rewards | 3 RPs Earn 3 RPs per ₹100 spent | |
| Utilities Base: 3 Reward Points (RPs) per ₹100 spent Note: Categories or merchants not listed below will earn base rewards | 3 RPs Earn 3 RPs per ₹100 spent | |
| Fuel Base: 3 Reward Points (RPs) per ₹100 spent Note: Categories or merchants not listed below will earn base rewards | -- Reward Points No rewards on this category | |
| Jewellery Base: 3 Reward Points (RPs) per ₹100 spent Note: Categories or merchants not listed below will earn base rewards | -- Reward Points No rewards on this category | |
| Rent Base: 3 Reward Points (RPs) per ₹100 spent Note: Categories or merchants not listed below will earn base rewards | -- Reward Points No rewards on this category | |
| Wallets Base: 3 Reward Points (RPs) per ₹100 spent Note: Categories or merchants not listed below will earn base rewards | -- Reward Points No rewards on this category |
Live Offers
Expiring offers are prioritized first, with details and terms.
AMAZON.IN
10% Instant Discount
- 10% Instant Discount on Mobiles Categories
- Minimum Transaction amount Rs.10000
Terms
- The Offer is valid from February 11th, 2026, to February 20th, 2026 (collectively "Offer Period"), unless revoked or extended by Amazon (in its sole discretion), without any prior notice and without any liability.
- This Offer can be availed / clubbed with a no-cost equated monthly installment (EMI) promotion, if any, on the Product. In other words, if no-cost EMI promotion is being availed by the Cardholder on the Product, then the Cardholder will also be eligible for this Offer.
- In case there are multiple items in a purchase order, the item-wise savings/discount may vary. However, the overall savings/discount on the purchase order will be equivalent to maximum savings / discount the Cardholder is eligible for under this Offer.
- Delinquent and over-limit Bank's credit card members will not qualify for this Offer.
AMAZON.IN
10% Instant Discount
- 10% Instant Discount on Mobiles Categories
- Minimum Transaction amount Rs.10000
Terms
- The Offer is valid from February 11th, 2026, to February 20th, 2026 (collectively "Offer Period"), unless revoked or extended by Amazon (in its sole discretion), without any prior notice and without any liability.
- This Offer can be availed / clubbed with a no-cost equated monthly installment (EMI) promotion, if any, on the Product. In other words, if no-cost EMI promotion is being availed by the Cardholder on the Product, then the Cardholder will also be eligible for this Offer.
- In case there are multiple items in a purchase order, the item-wise savings/discount may vary. However, the overall savings/discount on the purchase order will be equivalent to maximum savings / discount the Cardholder is eligible for under this Offer.
- Delinquent and over-limit Bank's credit card members will not qualify for this Offer.
AJIO.COM
Additional 8% discount
- Additional 8% discount on Ajio Luxe
- Minimum spend of Rs.10000
Terms
- For detailed understanding and learn about the brands part of this offer please click Brand List
- The offer can be used multiple times by a single user
- Offer details as shown are based on information provided by the Merchant. No warranties are made by Visa that the information is correct. Please check directly with Merchant to confirm the availability and validity of the Offer.
- Valid on Visa Card
AJIO.COM
Flat 4% off
- Flat 4% off on Ajio
Terms
- This is an AJIO Luxe GV/GC (Gift Voucher/Gift Card) issued by Pine Labs Limited, which is a company incorporated under the laws of India, and is authorised by the Reserve Bank of India ("RBI") to issue such Gift Cards. AJIO Luxe GV/GC is redeemable on luxe.AJIO.com.
- The holder of this GV/GC is deemed the beneficiary.
- This GV/GC is non-transferable, non-negotiable, non-refundable, and cannot be returned or redeemed for cash or credit.
- Expired GV/GCs cannot be revalidated.
AMAZON.IN
7.5% Instant Discount
- 7.5% Instant Discount on All other Categories
- Minimum purchase value Rs.7500
Terms
- The Offer is valid from 4th February 2026 00:00 HRS to 28th February 2026 23:59 HRS (collectively "Offer Period"), unless revoked or extended by Amazon (in its sole discretion), without any prior notice and without any liability.
- This Offer can be availed / clubbed with a no-cost equated monthly installment (EMI) promotion, if any, on the Product. In other words, if no-cost EMI promotion is being availed by the Cardholder on the Product, then the Cardholder will also be eligible for this Offer.
- In case there are multiple items in a purchase order, the item-wise savings/discount may vary. However, the overall savings/discount on the purchase order will be equivalent to maximum savings / discount the Cardholder is eligible for under this Offer.
- Valid on Bank of Baroda Credit Cards
ABHIBUS
Get 15% off
ABHIBUS
Get 5% Instant Discount
AGODA
Get up to 10% off
Redemption Paths
Transfer ratios, minimum transfer rules, and redemption value hints.
Redemption Value Explorer
Modeled using estimated value-band ranges from enrichment data.
Cashback
Cashback
- For each Reward Point, get a cashback of Rs 0.25.
- Reward point redemption against statement balance.
Catalogue
Catalogue Products
- Login to Net Banking or Mobile App.
- Navigate to the Rewards or Loyalty section.
- Select your desired rewards from the reward catalog from various categories like shopping vouchers, travel, merchandise, etc.
Milestones
Spend thresholds and rewards grouped by period.
Milestone ROI Calculator
Estimate incremental value unlocked at the current spend model.
Activate your card
- Complimentary FITPASS PRO membership
Spend ₹25,000 within 60 days of card issuance.
- The joining fee will be waived.
Spend ₹50,000 within 60 days of card issuance.
- Earn 10,000 bonus reward points
Spend ₹2.50L per statement year
- The renewal fee will be waived.
Spend ₹5L per statement year
- Get 20,000 bonus RPs.
Benefits
Reusable perks and value-add benefits extracted from validated rows.
Dining
250+ Culinary Deals
- 250 plus culinary deals at MASTERCARD priceless special.
- Ongoing
How to avail: To avail this benefit, log in to the dining partner’s app or website using your registered account. Browse available dining and order-in offers, select your favorite meals or restaurants, and apply the benefit at checkout to enjoy exclusive discounts. Complete the payment using your Bank of Baroda Eterna credit card. For assistance, contact Bank of Baroda customer care at 1800 258 4455.
Insurance
Personal Accidental death cover
- Personal air accident covers worth ₹1 crore (applicable only in case of loss of life). Accidental death cover (for other reasons) worth ₹10 lakh.
- Ongoing
How to avail: To claim this insurance, report the incident to Bank of Baroda Customer Care at 1800 22 5100 and for email support, contact crm@bobfinancial.com
District
Buy One Get One Free
- Buy one and get one on movie tickets booked on District. (max benefit of ₹250/month).
- Ongoing
How to avail: 1. Go to BookMyShow and select movies/events to be booked. 2. On payment page, search for the relevent offer, add card details and click on 'Apply Offer'. 3. Offer will be applied and the payment amount adjusted accordingly.
Dining
250+ Culinary Deals
- 250 plus culinary deals at MASTERCARD priceless special.
How to avail: To avail this benefit, log in to the dining partner’s app or website using your registered account. Browse available dining and order-in offers, select your favorite meals or restaurants, and apply the benefit at checkout to enjoy exclusive discounts. Complete the payment using your Bank of Baroda Eterna credit card. For assistance, contact Bank of Baroda customer care at 1800 258 4455.
Charges
Key fee and charge rows for transparent comparison.
| Charge | Value |
|---|---|
| Joining Fee | ₹2,499 |
| Renewal Fee | ₹2,499 |
| Forex Fee | 2% |
| Annual Percentage Rate | 39% |
| Add-on Card Fee | ₹0 |
| DCC | 2% |
Key Benefits
- Accelerated rewards on travel, dining and international transactions
- Complimentary lounge access program across domestic and international networks
- Premium lifestyle memberships and concierge-style benefits
- Annual fee waiver available on eligible annual spend
Things to Consider
- Accelerated rewards are subject to issuer-defined caps and excluded MCCs
- Reward value depends on redemption method
- Benefit terms can change with issuer program updates
About BoB Eterna
BoB Eterna is a points card from BoB, best for frequent travelers. It is tagged under travel, dining, shopping categories in our database.
TravelDiningShopping
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Frequently asked questions
Is BoB Eterna lifetime free?
It has an annual fee of ₹2499. Waived on ₹2.5L spend
What rewards does BoB Eterna offer?
Accelerated reward points on travel, dining and international spends with premium travel and lifestyle benefits.
Does BoB Eterna include lounge access?
BoB Eterna lists 19 lounge visits (13 domestic, 6 international).
Who should consider BoB Eterna?
Frequent Travelers
Where can I apply for BoB Eterna?
Check the issuer link listed for this card.
Sources & Verification
- Official Issuer Page:Direct Link
- Last Verified: 2026-02-12
- Data Method: Automated scraper + Manual audit
Key Terms
APR (Annual Percentage Rate)
The interest rate charged on unpaid dues if you don't pay your full bill by the due date.
Forex Markup
An additional fee charged for transactions made in foreign currency.
Lounge Access
Complimentary entry to airport lounges, often subject to spend milestones.
Milestone Benefits
Bonus rewards unlocked when you cross specific spending thresholds within a period.