Skip to content

Eterna's lifetime-free window closes — first year free from 1 September

BOBCARD's Eterna is no longer lifetime free for new applicants. Since 1 September it's free for the first year only, then ₹2,499 a year unless you spent ₹2.5 lakh the year before.

What changed

Worse for you

Fee change · BOBCARD (Bank of Baroda)

Before

Zero joining and annual fees for life for new applicants — the 'Limited Period Lifetime Free Card Offer', extended 31 Mar → 30 Apr → 30 Jun → 31 Jul 2026 and then left undated

After

₹0 joining/first-year fee w.e.f. 1 Sep 2026 as a limited-period offer with no end date printed; ₹2,499 + GST from the second year, reversed on ₹2,50,000 spent in the preceding card anniversary year

See it with every other change

The card this affects

BOBCARD Eterna credit card

BOBCARD Eterna

BOBCARD (Bank of Baroda)

₹9,300 a year at ₹75,000 a month

Keep

BOBCARD’s Eterna page no longer carries the “Limited Period Lifetime Free Card Offer” banner that was extended four times through 2026. In its place is a fee tile: “W.e.f. 1st September 2026, ₹0 joining/first-year fee. From the second year onwards, spend ₹2,50,000 in the preceding card anniversary year and get your annual fee of ₹2,499 waived off.”

Before 1 Sep 2026From 1 Sep 2026
Joining fee₹0₹0
Annual fee₹0 for life₹2,499 + GST from year two
Renewal waiver—₹2,50,000 spent in the previous card year

Nothing else changed: 15 points per ₹100 on online, dining, travel and international spends (capped at 5,000 a cycle), unlimited domestic lounges behind a ₹75,000-a-quarter spend gate, and 2% forex.

If you got the card before 1 September, it stays lifetime free. If you’re applying now, it costs nothing only if you spend ₹2.5 lakh a year; otherwise it’s a ₹2,499 card after a free first year. BOBCARD hasn’t printed an end date for the new offer either.

Source: BOBCARD — Eterna product page, read 2 October 2026.

Comparisons this changes

BOBCARD Eterna vs YES Bank RESERV

Same ₹2,499 fee, same online-accelerated closed loop — but Eterna pays 3.75% as real statement credit while RESERV's 3% is trapped in a ₹0.25 portal whose only exit is a 15:1 decoy.

BOBCARD Eterna vs AU Ananta

Two small-bank cards, ₹0.25 points each — but Eterna's redeem as flat cashback at 3.75% with unlimited lounges, and Ananta's pay 0.5% behind a ₹99 exit fee. It isn't close.

More on this story

  1. The quiet fee lines: five issuers' transaction-fee and forex changes your statement already shows

  2. BOBCARD drops accidental death cover — from 25 August 2026

  3. BOBCARD Etihad Guest Gold now ₹10,000

  4. BOBCARD doubles domestic lounge spend gate to ₹75,000

  5. BOBCARD lifts its lounge spend gate to ₹75,000 a quarter

  6. BOBCARD Eterna stays free — ₹2,499 waived

Sources

Published · All news · Every change since 1961 · Report an error