Looking for a premium lifestyle credit card with travel, dining, and shopping rewards? In this BOB Eterna Credit Card Review 2026, we cover its benefits, annual fees, reward points, lounge access, eligibility, and milestone benefits to help you decide whether it’s the right card for your lifestyle.
If you’re searching for a premium credit card with travel, dining, and lifestyle benefits, the BOB Eterna Credit Card is worth considering.
Issued by BOBCARD, it offers 5X Rewards (15 Reward Points per ₹100) on eligible spends, complimentary domestic airport lounge access (subject to spending criteria), milestone rewards, entertainment benefits, and a low 2% forex markup fee.
In this BOB Eterna Credit Card Review 2026, we’ll cover its benefits, fees, reward points, lounge access, eligibility, milestone benefits, pros & cons, and application process to help you decide whether it’s the right premium credit card for your financial needs.
Looking to apply? Check your eligibility and apply online for the BOB Eterna Credit Card today.
BOB Eterna Credit Card Quick Highlights
| Feature | Details |
|---|---|
| Card Name | BOB Eterna Credit Card |
| Card Type | Premium Lifestyle Credit Card |
| Issuer | Bank of Baroda Financial Solutions (BOBCARD) |
| Joining Fee | ₹2,499 + GST* |
| Annual Fee | ₹2,499 + GST* |
| Lifetime Free | Limited Period Offer (Subject to Bank Terms) |
| Reward Rate | Up to 15 Reward Points per ₹100 on selected categories |
| Airport Lounge Access | Unlimited Domestic Lounge Access* |
| Forex Markup Fee | 2% |
| Movie Offer | Buy One Get One (BOGO) on Movie Tickets |
| Best For | Frequent Travelers, Online Shoppers & Dining Enthusiasts |
Note: Features, fees, reward points, lounge access, and other card benefits are subject to change. Please refer to the latest Most Important Terms & Conditions (MITC) before applying.
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What is the BOB Eterna Credit Card?
The BOB Eterna Credit Card is a premium lifestyle credit card issued by BOBCARD, the credit card division of Bank of Baroda Financial Solutions Limited.
It is specially designed for individuals who regularly spend on:
- Dining
- Travel
- Online Shopping
- International Transactions
- Entertainment
- Lifestyle Purchases
Unlike entry-level credit cards that primarily focus on cashback, the BOB Eterna Credit Card offers a combination of reward points, travel privileges, entertainment benefits, and premium lifestyle features, making it suitable for professionals and high-income individuals.
BOB Eterna Credit Card Features
| Feature | Details |
|---|---|
| Card Type | Premium Lifestyle Credit Card |
| Issuer | BOBCARD (Bank of Baroda Financial Solutions Limited) |
| Card Network | Visa Signature / Mastercard World / RuPay |
| Joining Fee | ₹2,499 + GST |
| Annual Fee | ₹2,499 + GST |
| Welcome Benefits | Welcome benefits worth up to ₹15,000* |
| Reward Points | 15 Reward Points per ₹100 (5X Rewards) on Dining, Travel, International Transactions and Online Shopping. 3 Reward Points per ₹100 on other eligible retail spends. |
| Airport Lounge Access | Unlimited complimentary domestic airport lounge access (subject to quarterly spending criteria). |
| Forex Markup | 2% on international transactions |
| Movie Benefits | Buy One Get One (BOGO) movie ticket on District, up to ₹250 per month |
| Fuel Benefit | 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum ₹250 per statement cycle) |
| Smart EMI | Convert eligible purchases above ₹2,500 into EMIs |
| Add-on Cards | Up to 3 lifetime free add-on cards |
| Insurance | Personal Accident Cover – Air: ₹1 Crore, Non-Air: ₹10 Lakh |
| Best For | Frequent travellers, dining, online shopping and international spending |
Also read: Best Credit Cards for Beginners in India (2026 Guide)
BOB Eterna Credit Card Benefits
The BOB Eterna Credit Card comes with several premium benefits that make it a suitable choice for individuals with high monthly spending.
1. Accelerated Reward Points
Cardholders earn 15 Reward Points for every ₹100 spent on eligible categories such as:
- Dining
- Travel
- Online Shopping
- International Transactions
Other retail purchases earn reward points as per the Bank of Baroda reward program.
2. Complimentary Airport Lounge Access
One of the biggest advantages of the BOB Eterna Credit Card is its airport lounge privilege.
Cardholders enjoy:
- Complimentary domestic airport lounge visits
- Complimentary international airport lounge access through eligible lounge programs
- Comfortable airport experience while travelling
This benefit is particularly valuable for frequent business and leisure travelers.
3. Premium Lifestyle Benefits
The card offers several lifestyle privileges including:
- Dining offers
- Travel discounts
- Merchant partner offers
- Exclusive Visa Signature/Mastercard World benefits
- Contactless payment convenience
4. Fuel Surcharge Waiver
Cardholders receive a fuel surcharge waiver on eligible fuel transactions made at authorized fuel stations, helping reduce overall travel expenses.
5. Secure & Contactless Payments
The card supports:
- Contactless Tap & Pay
- EMV Chip security
- OTP-based online transaction authentication
- International usage with enhanced security
Liked these benefits?
Apply online and start enjoying reward points, lounge access, and premium lifestyle privileges.
BOB Eterna Credit Card Lounge Access
The BOBCARD Eterna Credit Card offers unlimited complimentary domestic airport lounge access, making it an ideal companion for frequent travellers. Eligible cardholders can relax in participating airport lounges and enjoy premium amenities before their flights.
Domestic Airport Lounge Access
- Unlimited complimentary access to participating domestic airport lounges across India.
- Complimentary lounge access is available only if you spend at least ₹40,000 in the preceding calendar quarter.
- Eligible lounges are available through the card network (Visa Signature, Mastercard World, or RuPay), subject to BOBCARD’s latest terms and conditions.
International Travel Benefits
Although the card’s primary lounge benefit is unlimited domestic lounge access, international travellers also enjoy:
- 2% forex markup fee, lower than many premium credit cards.
- Accelerated reward points on eligible international transactions.
- Visa Signature or Mastercard World lifestyle privileges, depending on the card variant.
Note: Effective from 1 January 2025, complimentary domestic lounge access is available only after spending ₹40,000 in the previous calendar quarter. Always verify the latest eligibility criteria before travelling.
Also read: Best Travel Credit Cards for Beginners in 2026
BOB Eterna Credit Card Milestone Benefits
The BOBCARD Eterna Credit Card rewards customers for achieving spending milestones throughout the year.
Welcome Spend Bonus
- Spend ₹50,000 within the first 60 days of card issuance and receive 10,000 Bonus Reward Points.
Annual Milestone Reward
- Spend ₹5 lakh in a card anniversary year and earn 20,000 Bonus Reward Points, making the card highly rewarding for high-spending users.
Joining Fee Waiver
- Spend ₹25,000 within the first 60 days to get your joining fee waived.
Annual Fee Waiver
- Spend ₹2.5 lakh in every card anniversary year to enjoy a waiver of the annual renewal fee.
These milestone benefits significantly increase the overall value of the card, especially for users who frequently spend on travel, dining, shopping, and international transactions.
BOB Eterna Credit Card Eligibility
To apply for the BOB Eterna Credit Card, applicants generally need to meet the following eligibility requirements:
- Must be an Indian Resident or eligible Non-Resident Indian (as per the bank’s policy)
- Age generally between 21 and 65 years
- Stable source of income
- Good credit history and healthy credit score (preferably 750 or above)
- Must satisfy Bank of Baroda’s internal credit assessment and documentation requirements
Meeting the eligibility criteria does not guarantee approval, as the final decision depends on the bank’s verification and credit evaluation.
Meet the eligibility criteria?
Apply online in just a few minutes.
Documents Required for BOB Eterna Credit Card
Applicants should keep the following documents ready while applying:
Identity Proof
- Aadhaar Card
- PAN Card
- Passport
- Driving Licence
- Voter ID
Address Proof
- Aadhaar Card
- Passport
- Utility Bill
- Rental Agreement (if applicable)
Income Proof
- Latest Salary Slips
- Form 16
- Income Tax Return (ITR)
- Bank Statements (last 3–6 months)
Employment Proof
- Employee ID Card
- Employer Certificate (if required)
Self-employed applicants may need additional business-related documents as requested by the bank.
How to Apply Online for BOB Eterna Credit Card
Applying online is simple and usually takes only a few minutes.
Step 1: Visit the Official BOBCARD Website
Open the official BOBCARD credit card application page.
Step 2: Select BOB Eterna Credit Card
Choose BOB Eterna Credit Card from the list of available credit cards.
Step 3: Fill in Your Details
Enter:
- Full Name
- Mobile Number
- PAN
- Email ID
- Employment Details
- Annual Income
Step 4: Upload Documents
Upload the required KYC and income documents.
Step 5: Complete Video KYC & e-Sign
Complete the Video KYC process and electronically sign your application.
Step 6: Application Review
BOBCARD verifies your documents and performs a credit assessment before approving the application.
Who Should Apply for the BOB Eterna Credit Card?
This card is an excellent fit for:
- Frequent domestic travelers
- Online shoppers
- Dining enthusiasts
- Professionals with annual income above ₹12 lakh
- Users looking for a premium lifestyle card
- People who regularly spend enough to qualify for annual fee waivers
- Individuals seeking better rewards than entry-level cashback cards
It may not be ideal for occasional credit card users or those looking for a permanently lifetime-free card with no spending requirements.
Also read: Best Domestic Travel Credit Cards in India for 2026
Expert Review: Is BOB Eterna Credit Card Worth It in 2026?
Overall Rating: ⭐⭐⭐⭐☆ (4.6/5)
| Category | Rating |
|---|---|
| Rewards | ⭐⭐⭐⭐⭐ |
| Lounge Access | ⭐⭐⭐⭐☆ |
| Travel Benefits | ⭐⭐⭐⭐☆ |
| Dining Benefits | ⭐⭐⭐⭐⭐ |
| Online Shopping | ⭐⭐⭐⭐⭐ |
| Fees & Charges | ⭐⭐⭐⭐☆ |
| Overall Value | ⭐⭐⭐⭐☆ |
Our Verdict
If the BOB Eterna Credit Card matches your spending habits, you can apply online through our trusted partner.
BOB Eterna Credit Card vs Other Premium Credit Cards
Choosing the right premium credit card depends on your spending habits, travel frequency, and lifestyle preferences. Here’s how the BOB Eterna Credit Card compares with some popular alternatives.
| Feature | BOB Eterna | SBI Card PRIME | HDFC Regalia Gold | Axis Atlas |
|---|---|---|---|---|
| Joining Fee | ₹2,499 + GST | ₹2,999 + GST | ₹2,500 + GST | ₹5,000 + GST |
| Annual Fee | ₹2,499 + GST | ₹2,999 + GST | ₹2,500 + GST | ₹5,000 + GST |
| Reward Program | Up to 15 RP per ₹100 on eligible spends | Reward Points | Reward Points | EDGE Miles |
| Domestic Lounge Access | Unlimited* | Yes | Yes | Yes |
| Forex Markup | 2% | 3.5% | 2% | 2% |
| Movie Benefits | BOGO Offer | Yes | Limited | No |
| Best For | Travel, Dining & Online Shopping | Lifestyle | Premium Lifestyle | Frequent Travelers |
Note: Features and fees are subject to change. Always compare the latest official benefits before applying.
Conclusion
The BOB Eterna Credit Card is a strong premium credit card for individuals who frequently spend on dining, travel, online shopping, and international transactions. Its accelerated reward points, complimentary airport lounge access, fuel surcharge waiver, and premium lifestyle benefits make it an attractive option for professionals and frequent travelers.
Although the card comes with an annual fee, the value offered through rewards and travel privileges can easily outweigh the cost for users who actively use the card. If your spending aligns with the eligible reward categories and you want a feature-rich premium credit card from Bank of Baroda, the BOB Eterna Credit Card is worth considering in 2026.
Ready to Get Started?
Apply online for the BOB Eterna Credit Card and enjoy premium travel and lifestyle benefits.
Disclaimer: This article is for informational purposes only. Credit card features, fees, rewards, and eligibility criteria may change over time. Readers should verify the latest details with BOBCARD and refer to the Reserve Bank of India (RBI) Credit Card Guidelines before applying.
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Frequently Asked Questions (FAQs)
1. What are the BOB Eterna Credit Card benefits?
The BOB Eterna Credit Card offers premium lifestyle benefits, including accelerated reward points on eligible categories, unlimited domestic airport lounge access (subject to spending criteria), Buy One Get One movie ticket offers, milestone rewards, a 2% forex markup fee, contactless payments, and an annual fee waiver on eligible spending.
2. Is the BOB Eterna Credit Card lifetime free?
The card is not permanently lifetime free. However, BOBCARD periodically offers a Limited Period Lifetime Free (LTF) promotion for eligible customers. Check the official website before applying to see if the offer is currently available.
3. Does BOB Eterna Credit Card have lounge access?
Yes. Eligible cardholders receive unlimited complimentary domestic airport lounge access, subject to meeting the quarterly spending requirement specified by BOBCARD.
4. What are the BOB Eterna Credit Card milestone benefits?
The card rewards eligible customers with bonus reward points after achieving specified annual spending milestones. The exact spending thresholds and bonus rewards are determined by BOBCARD and may change from time to time.
5. What is the salary eligibility for scapia credit card?
As per the latest eligibility guidelines:
- Age: 25–55 years
- Employment: Salaried or Self-employed
- Minimum Annual Income: ₹12 lakh
- A good credit history improves approval chances.
- Final approval is subject to BOBCARD’s internal credit policy.
6. Is BOB Eterna Credit Card worth it?
Yes, for users who regularly spend on travel, dining, online shopping, and international transactions. Its accelerated reward program, premium lifestyle benefits, and low forex markup can provide excellent value if you maximize the card’s features.
7. How to apply for Bob Eterna Credit Card?
You can apply online through the official BOBCARD website by filling in your personal details, completing KYC verification, uploading the required documents, and submitting the application for review.
9. What is the charges of Bob Credit Card?
The card has a joining fee of ₹2,499 + GST and an annual renewal fee of ₹2,499 + GST. Eligible customers may also qualify for an annual fee waiver based on their yearly spending.
10. Is BOB Eterna Credit Card good for international travel?
Yes. With a 2% forex markup fee and accelerated rewards on eligible international spends, the card is a good option for frequent international travelers.