BOBCARD Eterna Credit Card Review: Best Travel Card?
Jaspal Singh
Author
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 EternaDisclaimer: This review is for educational purposes only. We may earn a commission if you apply through our link, at no extra cost to you.
Written by
Jaspal Singh
Founder & Editor
Personal finance writer helping Indians make smarter money decisions through clear, jargon-free guides on taxes, investments, and budgeting.
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