Cards / Bank of Baroda (BOBCARD)
BOBCARD Eterna Credit Card
Bank of Baroda (BOBCARD) · Premium
5X rewards (15 points per INR 100) on dining, movies and shopping; 3 points per INR 100 on other categories.
- Joining fee
- ₹2,499
- Annual fee
- ₹2,499
- Waiver spend
- ₹2,50,000
- Forex markup
- 2%
Fee waiver
Spend ₹2,50,000 in a card year and the next annual fee is waived.
That is about ₹20,833 a month.
Work out what you still need to spend
Recent changes
- 25 August 2026Worse for you
Complimentary air and non-air accidental death insurance is withdrawn for existing cardholders.
- 15 July 2026Worse for you
Finance charges rise from 3.25% to 3.75% a month.
- 15 July 2026Worse for you
Domestic lounge access now needs Rs 75,000 spend in the preceding quarter, up from Rs 40,000.
Work it out for this card
How the app counts rewards
- 15 points per ₹100 on travel agents, dining and international (up to 5,000 points a month)
- 15 points per ₹100 online (shared 5,000-point monthly cap)
- 3 points per ₹100 in store
No rewards on education, fuel, groceries, insurance, rent, wallet loads.
Airport lounges
- Domestic: Unlimited visits
Unlimited domestic visits after ₹75,000 spend in the previous calendar quarter
Points
BOBCARD Reward Points, worth about ₹0.25 each on the usual redemption.
Who can apply
- Salaried: income of ₹12,00,000 a year or more
- Self-employed: income of ₹12,00,000 a year or more
Page gives age as 21 to 65 and 25 to 55 in different places
Published minimums. Approval is the bank's decision.
Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.
Taken from the bank's page. Rules data version 2026.10.04.
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