BOBCARD Eterna
Keep3.75% online as real statement credit, unlimited lounges, and free if you sign before August.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 10,000 bonus points (₹2,500) on ₹50,000 spend within 60 days; the lifetime-free offer is still running (standard fee ₹2,499)
Active offers: BOBCARD Eterna LTF window — ₹2,499 joining + annual fee at zero (no published end date)
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on groceries and fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Breaks even only by erasing its fee at ₹33,000 a month
At ₹33,000 a month — ₹3,96,000 a year — on the everyday mix this card returns ₹1,900 gross (earn ₹1,900) against a fee of ₹0 — the ₹2,499 is waived, the spend having cleared ₹2,50,000 a year = ₹1,900 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
The take
For once the small print flatters the card. Eterna's headline — 15 reward points per ₹100 on online, dining, travel and international spends — is worth a genuine 3.75% because those points redeem as flat statement credit at ₹0.25 each: no portal, no transfer gymnastics, no expiry games. That's cashback wearing a travel card's jacket, and BOBCARD is still handing the ₹2,499 fee back as a lifetime-free offer — a "limited period" already stretched past 31 March, 30 April, 30 June and 31 July 2026, and now carrying no end date at all. Add unlimited domestic lounge visits once you've put ₹75,000 through it the previous quarter, plus a 2% forex markup, and the near-free maths is hard to argue with. The catches are real: the accelerated rate caps at 5,000 points a statement cycle (about ₹33,000 of accelerated spend), offline collapses to 0.75%, a long special-MCC list — supermarkets, insurance, education, government, even train and bus fares — earns nothing at all, and there is no international lounge or airline transfer — the points are cash, not miles. And BOBCARD is quietly tightening the screws: the lounge gate has ALREADY nearly doubled to ₹75,000 a quarter — BOBCARD's 15-Jul-2026 features T&C §5.1 prints ₹75,000 today, not the 1-Oct-2026 start date the revision addendum announced — and the gentler 39% APR died on 15 July. But as an almost-free 3.75% online card with unlimited lounges, it is one of the best value plays we rank.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹2,499/yr at stake · 5 spend bands
The charge ₹2,499/yr
The waiver ₹2,50,000 of spend in the year before renewal — about ₹20,833 a month — and the renewal fee is not charged.
Break-even ₹33,000 a month — ₹3,96,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
−₹1,100 a year, net of the fee, at ₹3,00,000 of annual spend
₹2,900 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹10,800 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹22,300 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹33,800 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
BOBCARD (Bank of Baroda) publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 25 Aug 2026 BOBCARD withdraws accidental death cover from twenty cards issuer-wide
- 15 Jul 2026 BOBCARD nearly doubles the spend gate on unlimited domestic lounges issuer-wide
- 5 May 2026 Eterna's lifetime-free window rolls forward yet again
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 3.75% on online/dining/travel/international — paid as flat ₹0.25 statement credit, not portal points
- Still lifetime-free on BOBCARD's own page, with no published end date (standard fee ₹2,499, waived at ₹2.5L)
- Unlimited domestic lounge visits — but only after ₹75k of net spend in the previous quarter
- 2% forex; 10,000-point welcome and 20,000-point milestone at ₹5L
- Buy-one-get-one on District movie tickets, once a month, up to ₹250 off the second
Watch out
- Accelerated earn capped at 5,000 points/statement cycle (≈₹33k of accelerated spend)
- Offline/general spends earn 0.75%; supermarkets, insurance, education, govt, hospitals, rail/bus/toll and fast food earn ZERO
- No international lounge and no airline/hotel transfer partners — the points are cashback, not miles
- 1% processing fees on rent, wallet loads, big fuel and big utility transactions (official KFS)
- Lounge spend gate already ₹75k/quarter (up from ₹40k — live in the 15-Jul-2026 T&C, ahead of the 1-Oct-2026 date announced); APR up from 39% to 45% since 15 Jul; accident-insurance cover dropped for cards issued after 15 Jul
What these points actually fly
No live transfer route takes BOBCARD Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
14 sourced rules · 8 pay zero
Eterna's earn is a two-tier split per the official rewards T&C (w.e.f. 01-Apr-2026): 15 RP/₹100 (3.75%) on ecom/dining/travel/international, 3 RP/₹100 (0.75%) core on everything else — and ZERO on Annexure-1 MCCs (supermarkets, insurance, education, government, hospitals, rail/bus/toll, rent, wallet, charity, fast food). The old 1.5 RP 'special' tier is gone. 5X points cap at 5,000 RP/statement cycle. 'full' below means the accelerated 15 rate; 'reduced' means the 3 core tier. Rent/wallet/fuel add 1% processing FEES on top of zero earn (official KFS).
- Fuel · excluded Effectively zero (surcharge-waiver txns don't earn); 1% processing fee on fuel ≥₹10k (official KFS)
- Rent & property management · excluded Zero earn (Annexure 1, MCC 6513) + 1% processing fee (official)
- Wallet loads · excluded Zero earn (Annexure 1, MCCs 6539–6543) + 1% processing fee on wallet loads (official)
- Utilities (electricity/water/gas) · reduced Core 3 RP/₹100 (0.75%) only — MCC 4900 barred from the 5X tier; 1% fee on utility txns ≥₹50k (official)
per BOBCARD (Bank of Baroda) T&C · rank every card by spend category →
Does your spend count toward the fee waiver?
not published — and we say which
₹2,50,000 a year is the bar that waives the ₹2,499 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. BOBCARD (Bank of Baroda) states what the BOBCARD Eterna earns and does not earn, but has not published which spend categories count toward the fee waiver and the milestones — the ₹2,50,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
72 of 793 tracked doors
Gate: ₹75,000 of net spend in the preceding calendar quarter (waived for the quarter a fresh card is issued in); ₹2 non-refundable validation swipe at the lounge and a 5-hour cooling period between visits
Opens 72 of 793 tracked lounge doors across 39 airports — see the full map →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
per the official BOBCARD (Bank of Baroda) MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Standard fee ₹2,499 + GST, but LIFETIME-FREE for applications in rolling limited-period windows (currently through 31 Jul 2026); non-LTF joining fee waived at ₹25k in first 60 days, renewal waived at ₹2.5L anniversary spend. 15 RP/₹100 (3.75%) on online/dining/travel/international, 5X capped 5,000 RP/statement cycle; 3 RP/₹100 (0.75%) other; Annexure-1 special MCCs (supermarkets, insurance, education, govt, hospitals, rail/bus/toll, charity, fast food) earn ZERO per rewards T&C w.e.f. 01-Apr-2026. Eterna points are evergreen (no expiry). Unlimited domestic lounge at ₹40k prior-quarter spend — gate rises to ₹75k w.e.f. 1-Oct-2026 (official revision addendum); no international lounge. 1% processing fees on rent, wallet loads, utility ≥₹50k (cap ₹3,000), fuel ≥₹10k, third-party-app education (max ₹5,000) and toll/bus. Accident-insurance cover withdrawn for cards issued after 15-Jul-2026. KFS dated 17-Jul-2026.
per the official BOBCARD (Bank of Baroda) MITC · reviewed 10 Jul 2026
What's changed for this card
6 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 25 Aug 2026BOBCARD withdraws accidental death cover from twenty cardsAir and Non-Air Accidental Death Cover bundled with Eterna, Eterna (FD), Premier, Premier (FD), Select, Select (FD), Tiara, Empower Business, Corporate Platinum, Swavlamban, Prime, Elite, Platinum Select, Signature, Assure, Renaissance and the three Pragati RRB variants. → No Air or Non-Air Accidental Death Cover. Already gone on anything issued after 15 July 2026; existing cardholders keep it only until 25 August 2026.
BOBCARD's July revision notice has a quiet fourth clause, and it lands on 25 August 2026: the Air and Non-Air Accidental Death Cover comes off twenty product variants at once — not just new cards, but every card already in a wallet. Cards issued after 15 July 2026 never had it. Call it minor and mean it, because this desk does not price the perk and neither should you: air-accident death cover is the benefit every Indian issuer prints in bold and nobody ever claims, it pays only on death in a common carrier, and it costs the issuer almost nothing precisely because it almost never pays. Losing it changes no number on this site. What it signals is the direction: the same notice already moved the unlimited-domestic-lounge gate on Eterna, Eterna (FD), Tiara and Varunah Premium from ₹40,000 to ₹75,000 of preceding-quarter spend, and raised the finance charge on Eterna and Tiara from 3.25% to 3.75% a month. The insurance line is the third cut in one PDF, and it is the one that reaches cards nobody thought were being repriced. ON THE LOUNGE DATE, because BOBCARD published three answers and two of them are still live. The 12 June notice set the ₹75,000 gate for 15 July 2026. Four days later, on 16 June, BOBCARD issued an ADDENDUM — "This communication serves as an addendum to our earlier communication on Friday 12th June 2026" — that DEFERRED the lounge change alone: "₹40,000 in preceding calendar quarter" applicable till 30 September 2026, "₹75,000" from 1 October 2026, with the finance-charge and HPCL clauses left at 15 July. Then the operative Features and Rewards T&C dated 15 July 2026 — which POSTDATES the addendum — prints §5.1 Table1 as "Eterna / Unlimited / Rs. 75,000 in preceding calendar quarter", with no date qualifier and no ₹40,000 anywhere, and BOBCARD's product pages agree. The operative document governs, so ₹75,000 is what this desk carries on all four cards; the addendum is recorded here because a reader who reads the addendum and not the T&C will believe they have until October, ; the ₹75,000 gate is the one that applies.
- 5 Aug 2026Etihad Guest Gold now costs ₹10,000 on etihad.com, not one rupee
- 15 Jul 2026BOBCARD nearly doubles the spend gate on unlimited domestic lounges
- 5 May 2026Eterna's lifetime-free window rolls forward yet again
- 1 Apr 2026BOBCARD reprices rail, toll and app-routed education
- 5 Jan 2026BOBCARD and Etihad Guest deal two co-brands — the last pipe in
Every BOBCARD (Bank of Baroda) change we've dated → 6 events in 2026, 4 of them nerfs — worst year 2026.
Verified against BOBCARD (Bank of Baroda)'s own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 7 of them, each with the day we read it
- official Product page — "Limited Period Lifetime Free Card Offer" still running on 1-Aug-2026 with NO end date printed anywhere on the page (the 31-Jul-2026 date we had carried has)
- official Product Features T&C, 15-Jul-2026 edition — §5.1 already prints the ₹75,000 quarterly lounge gate; Annexure 2 is the door list; 5X capped 5,000 RP/cycle; Eterna points evergreen
- official Key Fact Statement PDF (17-Jul-2026 — replaces the 05-May edition; Eterna APR now the flat 3.75%/mo, 2% forex carve-out intact)
- official Revision addendum announcing the ₹40k → ₹75k quarterly lounge gate; Eterna/Tiara APR 3.25% → 3.75%/mo from 15-Jul-2026
- community CardExpert LTF coverage
- community CardInsider — RuPay variant, UPI at offline rate
- community CardExpert review — Visa/Mastercard/RuPay variants