BOBCARD Eterna Credit Card Review: Best Travel Card?

BOBCARD Eterna at a Glance

Feature	Details
Annual Fee	₹2,499 + GST (currently Lifetime Free)
Lounge Access	60+ domestic lounges
Forex Markup	2%
Reward Points	15X per ₹100 (online, travel, dining, international)
Welcome Perk	₹15,000 value
Movies	BOGO tickets
Min Income	₹12 lakh/year

What We Like

• 60+ domestic lounges. One of the widest lounge networks at this tier.
• Currently lifetime free. A ₹2,499 card for ₹0 is exceptional value — grab it while the offer lasts.
• 2% forex markup. Among the lowest for non-premium cards. Saves ₹1,500+ per ₹1 lakh in international spending.
• 15X rewards on accelerated categories. Online shopping, travel, dining, and international spends all earn premium rates.

What Could Be Better

• Lounge access requires ₹40,000/quarter spend. Not free unconditionally — you need to use the card regularly.
• Min ₹12 lakh income. Not accessible to entry-level earners.
• Bank of Baroda’s digital experience lags behind HDFC and Axis.

Our Verdict

A premium card at zero cost (with the LTF offer). If you fly domestically 4+ times a year, the lounge access alone saves you ₹4,000–8,000. Apply now while the lifetime free offer is available.

Rating: 4.3/5 — Excellent travel value, especially at LTF pricing.

Apply for BOBCARD Eterna

Disclaimer: This review is for educational purposes only. We may earn a commission if you apply through our link, at no extra cost to you.