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.
How to Get the Most From the BOBCARD Eterna
- Route online, travel, dining and international spends through this card to earn the accelerated 15X reward points.
- Use it abroad — the 2% forex markup is among the lowest for a non-premium card and saves ₹1,500+ per ₹1 lakh spent overseas.
- Make the most of the 60+ domestic lounges if you travel even occasionally; the access alone can justify a card like this.
Fees, Charges & Eligibility
The BOBCARD Eterna's ₹2,499 + GST fee is currently waived as lifetime free — a genuinely rare deal for a card with this lounge and rewards profile. You'll typically need an income of about ₹12 lakh a year.
Beyond the annual fee, keep in mind the costs common to every credit card: interest of roughly 3.5% a month (about 42% a year) on any unpaid balance, a late-payment fee, and GST on charges. The golden rule never changes — pay your statement in full each month and the card costs you little or nothing.
Eligibility is straightforward: you generally need to be 18 or older with a steady income and a credit score around 750+. You can apply online in minutes with your PAN, Aadhaar and income proof. New to credit? Read our credit cards guide and compare options in our best credit cards roundup.
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.
Frequently Asked Questions
Is the BOBCARD Eterna lifetime free?
Its ₹2,499 + GST fee is currently being offered as lifetime free. Grab it while the offer lasts, as such waivers on premium-tier cards are uncommon.
What rewards does the BOBCARD Eterna give?
Up to 15X reward points on accelerated categories (online shopping, travel, dining and international spends), plus a welcome benefit worth around ₹15,000.
What income do I need for this card?
Issuers typically look for an annual income of about ₹12 lakh, along with a healthy credit score of 750+.
Is it good for international travel?
Yes — the low 2% forex markup plus 60+ domestic lounge accesses make it a strong travel companion for the fee.
