Back to Browse
BoB Eterna
BoB • MasterCard

BoB Eterna

Apply Now Read Review
Decision memoUpdated 12 Mar 2026
Get it if

Route travel, dining, online and international spends to this card until the 5,000 RP statement cap is reached, then shift overflow...

Skip it if

Category caps and MCC exclusions can materially reduce realized value versus headline promotion

Verified 12 Mar 2026VerifiedHigh confidence3 sources checked

Latest change: Updated Eterna perk stack (FITPASS welcome benefit, BOGO movies), 5X cap details, quarterly lounge spend gating and lat...

For Frequent Travelers. 3.8% on online spend. ₹2,499 fee, waiver at ₹2,50,000. Lounge rule: ₹40,000 / quarter.

Quick Overview

What matters before you apply.

You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.

Why get it

Why you should get it

Frequent Travelers

  • 5X rewards (15 RP per ₹100) on travel, dining, online shopping and international spends; accelerated earn is capped at 5,000 RP per statement cycle.
  • Unlimited complimentary domestic airport lounge access with a ₹40,000 net spend requirement in the preceding quarter (new-card quarter waiver applies as per lounge T&C).
  • Welcome perk includes FITPASS Pro membership (issuer copy currently shows both 6-month and 12-month variants; verify at onboarding).
  • Buy 1 Get 1 movie ticket offer via District, up to ₹250 per month.
Why skip it

Why you may regret it

These are the rules and drawbacks most likely to make the card feel disappointing after signup.

  • Accelerated rewards are capped at 5,000 points per statement cycle for boosted categories.
  • Lounge access requires quarter-based spend eligibility (except fresh-card waiver window).
  • Issuer copy currently conflicts on FITPASS duration/value across sections; confirm final term at activation.
Annual Fee₹2,499Joining fee ₹2,499
Spend to Waive Fee₹2,50,000Waived on ₹2.5L spend
Best Category Return3.8%Online spend
Lounge Access Condition₹40,000 / quarter19 visits listed

Quick notes

How to use the card well, and what to watch before applying.

How to use it well

  • Route travel, dining, online and international spends to this card until the 5,000 RP statement cap is reached, then shift overflow to a backup card.
  • Track quarterly spends to preserve lounge eligibility before planned travel windows.
  • Claim welcome benefits quickly after approval to avoid missing FITPASS activation windows and campaign expiries.

Watch before applying

  • Category caps and MCC exclusions can materially reduce realized value versus headline promotion.
  • Lounge usage is tied to spend qualification in the previous quarter (except issuance-quarter waiver rules).
  • April 2026 tariff updates introduce additional fee triggers on select high-value transactions.
Compare or Switch

What to do if this card is close, but not perfect.

Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.

Compare this cardBrowse similar cards

Similar Cards You Might Like

BoBVisa

BoB Premier

Mid-range Travel

₹1000/yrPoints
SBIVisa

Aditya Birla SBI Card SELECT

Users spending across fashion, retail, and occasional travel

₹1499/yrPoints
AU Small FinanceVisa

AU Bank Vetta Credit Card

Users wanting a mid-premium AU card with better rewards

₹3000/yrPoints
Value & Fees

Check if the card clears its own fee.

Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.

Annual fee₹2,499

Joining fee ₹2,499

Fee waiver₹2,50,000

Waived on ₹2.5L spend

Best return3.8%

Online spend

Fee waiver estimator

Adjust your spend only if you need to test whether the card pays for itself.

Open

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

Open the category chart when two cards are close and you need the exact spend shape.

Open

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
3.8%
Dining
3.8%
Online
3.8%
Basedefault
0.8%
Current Opportunities

Open the live value layer only if the card still looks strong.

Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.

Live offers8 listed

Nearest expiry: 2026-02-20

Best redemptionCashback (Cashback)

Value band: ₹0.20-₹0.35/pt

Milestones10 rules

Top boost: International

Top boost: InternationalExclusion risk: medium (47/100)Best redemption: Cashback (Cashback)Nearest offer expiry: 2026-02-20

Current snapshot

Open the short snapshot only if you want the latest tactical view on this card.

Open
Mapped Save Sage Data

Latest External Snapshot

Live-offer shortlists and 5,000-point valuation checks merged for this mapped card using the latest reliable Save Sage exports.

Points: 9 April 2026Offers: 9 April 2026Catalog: 9 April 2026
Live shortlist signalECHOLAC · Get 60% off

Next dated offer lands on 30 Apr 2026

15 active offersOffers refreshed 9 April 2026Catalog refreshed 9 April 2026
Best 5,000-point useNot quantifiedCashback · Cashback
Quantified point paths2Coverage found, but the source did not expose rupee-value estimates
Active shortlisted offers15SKULLCANDY · Get 80% off on Sitewide
Next offer deadline30 Apr 2026ECHOLAC · Get 60% off

Top 5,000-point paths

These are the best category-level outcomes found in the latest quantified valuation run.

CashbackNot quantified

Cashback

Coverage found, but rupee value was not quantified

Points transfer ratio 1:1

  • For each Reward Point, get a cashback of Rs 0.25.
  • Reward point redemption against statement balance.
Catalogue ProductsNot quantified

Catalogue

Coverage found, but rupee value was not quantified

Points transfer ratio 1:1

  • 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.

Actionable offer shortlist

Offer rows are shown with exact expiry dates, so stale shortlist ranks do not get surfaced as live.

ElectronicsCode: MC80

SKULLCANDY

Get 80% off on Sitewide

Valid till 31 Dec 2026 · 266 day(s) left

Use code MC80; expires in 266 day(s)

UncategorizedCode: TCTHRIWE30

TRAVEL CHILLI

Flat 30% off

Valid till 30 Apr 2027 · 386 day(s) left

Use code TCTHRIWE30; expires in 386 day(s)

ShoppingCode: ALNCECH60

ECHOLAC

Get 60% off

Valid till 30 Apr 2026 · 21 day(s) left

Use code ALNCECH60; expires in 21 day(s)

FlightsCode: FLYBOB

PAYTM

12% Instant Discount

Valid till 30 Jun 2026 · 82 day(s) left

Use code FLYBOB; expires in 82 day(s)

FlightsCode: INTLFLYBOB

PAYTM

10% Instant Discount

Valid till 30 Jun 2026 · 82 day(s) left

Use code INTLFLYBOB; expires in 82 day(s)

Redemption tools

Use these only if your shortlist is down to cards where redemption value can change the decision.

Open

Redemption optimizer unavailable

This card is better evaluated through direct cashback, fee drag, and perk value right now.

Redemption Paths

Transfer ratios, minimum transfer rules, and redemption value hints.

Fresh• 1h old

Redemption Value Explorer

Modeled using estimated value-band ranges from enrichment data.

Best path: CashbackBand: ₹0.20-₹0.35/pt

Cashback

Cashback

Ratio: Points transfer ratio 1:1₹0.20-₹0.35/pt
  • For each Reward Point, get a cashback of Rs 0.25.
  • Reward point redemption against statement balance.

Catalogue

Catalogue Products

Ratio: Points transfer ratio 1:1₹0.25-₹0.60/pt
  • 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.

Live offers and milestones

Open this when you are timing an application or want to see the current offer stack.

Open

Live Offers

Expiring offers are prioritized first, with details and terms.

Fresh• 1h old

AMAZON.IN

10% Instant Discount

expiring soonExpires 2026-02-20
  • 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

expiring soonExpires 2026-02-20
  • 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

trendingCode: ALXADNETO
  • 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

trendingCode: AJIO4
  • 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

trending
  • 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

just launched

ABHIBUS

Get 5% Instant Discount

just launched

AGODA

Get up to 10% off

just launched

Milestones

Spend thresholds and rewards grouped by period.

Fresh• 1h old

Milestone ROI Calculator

Estimate incremental value unlocked at the current spend model.

Modeled annual spend: ₹4,80,000Incremental unlocked value: ₹0Next unlock at ₹5,00,000 (₹20,000 more)

Activate your card

AnnualEst. value: TBD
  • Complimentary FITPASS PRO membership

Spend ₹25,000 within 60 days of card issuance.

AnnualSpend ₹25,000Est. value: TBDUnlocked
  • The joining fee will be waived.

Spend ₹50,000 within 60 days of card issuance.

AnnualSpend ₹50,000Est. value: TBDUnlocked
  • Earn 10,000 bonus reward points

Spend ₹2.50L per statement year

AnnualSpend ₹2,50,000Est. value: TBDUnlocked
  • The renewal fee will be waived.

Spend ₹5L per statement year

AnnualSpend ₹5,00,000Est. value: TBD₹20,000 more
  • Get 20,000 bonus RPs.
Lounge Reality

Treat lounge as real value only after the rule check passes.

Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.

Visits listed19 visits

13 domestic • 6 international

Access rule₹40,000 / quarter

- Source file: Mastercard India participating airport lounges PDF. - Imported lounge rows are network-level and apply only where issuer card variant enables Mastercard lounge access. - Verify issuer-side spend thresholds, card eligibility, and visit caps before travel.

Coverage sourceIssuer mapped

Mapped from issuer lounge dataset + card policy signals

Full lounge eligibility checklist

Open this to validate spend thresholds, program fit, and any conditions that can block access.

Open

Lounge eligibility checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for BoB Eterna using your current quarter spend.

₹0 spent₹40,000 target

Policy signal used: Unlimited complimentary domestic airport lounge access with a ₹40,000 net spend requirement in the preceding quarter (new-card quarter waiver applies as per lounge T&C).

Spend threshold

5X rewards (15 RP per ₹100) on travel, dining, online shopping and international spends; accelerated earn is capped at 5,000 RP per statement cycle.

Quarter / cycle rule

Unlimited complimentary domestic airport lounge access with a ₹40,000 net spend requirement in the preceding quarter (new-card quarter waiver applies as per lounge T&C).

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.

Airport-wise lounge locations

Open the full location map only if this card passes the lounge rule check above.

19 rows

Lounge locations

19 airport lounge rows
View 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
TheDomestic

AHM • Ahmedabad Airport • Terminal 1

Bengaluru

1 lounges • 1 domestic • 0 international

1
BlrDomestic

BEN • Bengaluru Airport • Terminal 1

Chennai

2 lounges • 1 domestic • 1 international

2
TravelDomestic

CHE • Chennai Airport • Terminal 1

TravelInternational

CHE • Chennai Airport • Terminal 2

Goa

1 lounges • 1 domestic • 0 international

1
EncalmDomestic

GOA • Goa Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
EncalmInternational

HYD • Hyderabad Airport • Terminal 1

EncalmDomestic

HYD • Hyderabad Airport • Terminal 1

Kochi

2 lounges • 1 domestic • 1 international

2
EarthDomestic

KOC • Kochi Airport • Terminal 1

EarthInternational

KOC • Kochi Airport • Terminal 3

Kolkata

2 lounges • 1 domestic • 1 international

2
TravelDomestic

KOL • Kolkata Airport • Terminal 1

TravelInternational

KOL • Kolkata Airport • Terminal 2

Mumbai

3 lounges • 2 domestic • 1 international

3
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
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
EarthDomestic

PUN • Pune Airport • Terminal 1

Decision Details

Open the dense rulebook only when you are close to applying.

Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.

Earn rules11 rows

Exclusion risk: medium

Benefits4 perks

Insurance, memberships, partner perks, and recurring value-adds.

Charges6 fee rows

Forex, late fee, interest, and other cost details.

Earn rules and exclusions

Open this when two cards are close and exclusions can change the winner.

Open

Earn Rule Matrix

Boosted, capped, and zero-reward categories in one table.

Exclusion risk: medium (47/100)
Fresh• 1h old
Category / MerchantRewardBucket
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
More
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
More
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
More
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
More
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
Low/Capped
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
Low/Capped
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
Low/Capped
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
Zero
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
Zero
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
Zero
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
Zero

Benefits and recurring perks

Open this only if the non-reward perks are part of the value story for you.

Open

Benefits

Reusable perks and value-add benefits extracted from validated rows.

Fresh• 1h old

Dining

250+ Culinary Deals

DINING_ORDER_IN
  • 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

INSURANCE
  • 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

MOVIES_AND_EVENTS
  • 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

Dining & Order in
  • 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 and cost detail

Open the cost layer when you want the exact forex, late fee, and other charge rows.

Open

Charges

Key fee and charge rows for transparent comparison.

Fresh• 1h old
ChargeValue
Joining Fee₹2,499
Renewal Fee₹2,499
Forex Fee2%
Annual Percentage Rate39%
Add-on Card Fee₹0
DCC2%
FAQ & Evidence

Keep proof and verification at the bottom.

This is the validation layer. Use it after the card already feels like a possible yes.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Open

Offer Truth

  • Joining fee₹2,499
  • Annual fee₹2,499
  • Waiver threshold₹2,50,000
  • Cap typecategory
  • Cap resetstatement-cycle
  • Last verified2026-03-12

Redemption Truth

  • Cash value/point₹0.25
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-03-12

Lounge Truth

  • NetworkMasterCard
  • Domestic count13
  • International count6
  • Quarterly limitNot listed
  • Airport-terminal rows19
  • Policy check2026-03-12

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts1
  • Applied reports19
  • Approval reports11

Frequently asked questions

Short answers for the usual apply, fee, reward, and lounge questions.

Open
Is BoB Eterna lifetime free?

It has an annual fee of ₹2499. Waived on ₹2.5L spend

What rewards does BoB Eterna offer?

5X rewards on travel, dining, online and international spends with FITPASS welcome perk, movie-ticket BOGO and unlimited domestic lounge access (spend-gated).

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 and verification

Issuer link, last verification date, and how this page was assembled.

Open

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-03-12
  • Data Method: Automated scraper + Manual audit