1 BOBCARD Reward point is worth ₹0.25 in India.
₹0.25₹250 per 1,000 points, our house mark
held at ₹0.25 · re-marked 10 Jul
How we got this ₹ figure
₹0.25 is our HOUSE value for a point — what a disciplined traveller actually clears, not the best redemption we have ever seen (₹0.25, the ceiling) and not the worst you can always fall back on (₹0.20, the floor). It is the number every route on this page is priced with.
The mark has 2 dated points in data/valuation-history.yaml, each one pinned to a quantified event in the tracker — no interpolation. The last move was re-marked 10 Jul. How we value a point →
Which of my cards reach it? — 41 do
41 cards earn BOBCARD Reward Points outright. The figure is the reward rate — what ₹100 of ORDINARY spend earns back at our house ₹/point, before milestones, accelerators and the annual fee. How we compute it →
BOBCARD Eterna0.8%BOBCARD (Bank of Baroda)BOBCARD Tiara0.8%BOBCARD (Bank of Baroda)BOBCARD Premier0.5%BOBCARD (Bank of Baroda)38 more cards that earn it — same ranking, best first
Eterna's and IRCTC BOBCARD's currency — a fixed ₹0.25/point redeemed as flat STATEMENT CREDIT, which is what makes Eterna's 15 RP/₹100 online rate a genuine 3.75% cashback (IRCTC BOBCARD adds a 1,000-RP/cycle redemption throttle on top). No transfer partners; the value never moves and never rises. Floor is the slightly thinner catalogue/voucher rate.
BOBCARD Reward Points has held — we grade its nerf risk stable 4 cuts in 24 months — latest: Aug-2026 devaluation (minor) How we grade it →
Expiry: 2 years from the date of accrual (CardInsider; official PDF pending)
No corridor on our board prices a seat in BOBCARD Reward Points against a published chart — every option that reaches it is dynamic, and an estimate is not a seat. the 2,196 corridors that DO have a verified price →
What a point has been worth
Derived only from quantified, dated events in the tracker — no interpolation, no vibes.
- 10 Jul 2026 ₹0.25 current house value
- 1 Jan 2023 ₹0.25 program / anchor-card (Eterna) coverage start — no recorded movement while indexed
The nerf log
Full tracker →Every tracked event that touches BOBCARD Reward Points.
- 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 rupeeComplimentary Etihad Guest Gold on completing ANY transaction on Etihad.com within 6 months of card issuance — no minimum value → From 5 Aug 2026 the Gold Tier upgrade requires a single transaction of ₹10,000 or more on Etihad.com within 6 months from the date of card issuance. Every other benefit is explicitly unchanged
The cheapest airline status in India just got a price tag. Until now a BOBCARD Etihad Guest Premium holder could buy anything at all on etihad.com inside six months — a seat selection, a bag, a ₹500 ancillary — and Etihad Guest Gold landed: lounge access on Etihad metal, priority boarding, extra baggage, a 50% mileage bonus. From 5 August the same upgrade needs a ₹10,000 transaction. For anyone who took this card to actually fly Etihad that is a formality, one economy leg to AUH clears it. For the reader who took it for the 2 miles per ₹100 and the 0% forex and never intended to book with Etihad, the status is now a ₹10,000 purchase decision rather than a free tick-box, and it has to happen inside the first six months or not at all. BOBCARD's notice changes nothing else — the milestone ladder, the lounge allowance and the fee waiver all stand.
- 15 Jul 2026BOBCARD nearly doubles the spend gate on unlimited domestic loungesEterna, Eterna (FD), Tiara and Varunah Premium gave unlimited domestic lounge access on ₹40,000 of spend in the preceding calendar quarter → ₹75,000 in the preceding calendar quarter. The operative 15 July 2026 Features and Rewards T&C prints it unqualified; a 16 June addendum had deferred it to 1 October 2026
BOBCARD published three answers to one question and two of them are still live, so read the dates carefully. The 12 June 2026 revision notice set a ₹75,000 preceding-quarter gate for 15 July. Four days later BOBCARD issued an addendum — "This communication serves as an addendum to our earlier communication on Friday 12th June 2026" — that DEFERRED the lounge clause alone, tabling "₹ 40,000 in preceding calendar quarter" as "applicable till 30th September 2026" and ₹75,000 "from 1st October 2026", while leaving the finance-charge and HPCL clauses at 15 July. Then the Features and Rewards T&C dated 15 July 2026 — which POSTDATES the addendum — prints §5.1 Table 1 as "Eterna / Unlimited / Rs. 75,000 in preceding calendar quarter", with no date qualifier and no ₹40,000 anywhere in the document, and BOBCARD's product pages agree. The operative document governs, so this row is dated to the day it took effect and ₹75,000 is what the board carries on all four cards. This is recorded as ONE event and not two on purpose: a second row dated 1 October would put a "not yet in force" flag on /tracker against a gate the issuer's own governing T&C already enforces, which is the contradiction, not the fix. What it costs the reader is concrete. Unlimited domestic lounge access was the whole case for a lifetime-free Eterna, and the bar to keep it moved from ₹13,333 a month to ₹25,000 a month of spend. Miss a quarter and you pay at the door for the next one. Note also that the addendum's own reading survives in the wild: a reader who finds the addendum and not the T&C will believe they have until October, ; the ₹75,000 gate is the one that applies.
- 5 May 2026Eterna's lifetime-free window rolls forward yet again₹2,499 joining + ₹2,499 annual fee (LTF offer due to lapse) → Zero joining and annual fees for new applicants, extended to 30 Jun 2026 — since pushed to 31 Jul
BOBCARD keeps extending the deadline on its best acquisition offer: Eterna — 3.75% statement-credit value on online spends and unlimited domestic lounges — stays lifetime-free for new applicants. The offer opened in early 2026 with a 31-March fuse and has been rolled forward twice; every extension is a louder hint that the ₹2,499 fee isn't coming back soon. Sign before the music stops.
- 1 Apr 2026BOBCARD reprices rail, toll and app-routed educationNo processing fee on railway/toll/bus bookings; telecom (MCC 4814) earned zero points → 1% fee on railway bookings ≥₹30k, all toll & bus ≥₹5k, and education via Cred/Paytm/PhonePe-type apps; telecom now earns core points
BOBCARD's April-2026 notice gives with one hand and clips with the other. Telecom spends finally earn core points (3 RP/₹100 on Eterna), but big-ticket rail bookings, every toll and bus charge over ₹5,000, and tuition routed through third-party apps now carry a 1% fee — and the notice restates the long zero-earn MCC list, from supermarkets to hospitals. One, Uni and the Scapia co-brand are explicitly exempt.
- 5 Jan 2026BOBCARD and Etihad Guest deal two co-brands — the last pipe inEtihad Guest earn from Indian card spend dying with the SBI co-brands (closing 31 Mar 2026) → Guest (₹2,500) and Guest Premium (₹5,000): 2 miles/₹100, 0% forex, double welcome miles for sign-ups till 28 Feb
As SBI walked away from Etihad and Axis prepared to drop the transfer route, BOBCARD picked up the whole franchise: two Mastercard co-brands earning Guest miles directly, with the Premium doing 2 miles/₹100, 6 on etihad.com, 0% forex and a milestone ladder to 40,000 miles a year. Launch-window sign-ups before 28 February got doubled welcome miles. For anyone flying AUH out of India, this is now the only game in town.
Straight answers
The questions people actually type about BOBCARD Reward Points — answered from the same data as everything above, with the same numbers.
What is 1 BOBCARD Reward point worth in INR?
Our desk marks BOBCARD Reward Points at ₹0.25 a point — so 1,000 points are worth ₹250 and 10,000 are worth ₹2,500. That is the number every route on this page is priced with. The ₹0.20 floor is the redemption you can always fall back on; the ₹0.25 ceiling is the best sweet spot we have actually verified. The mark is holding flat, last reviewed 21 Jul 2026. The valuation index prices it against every other program we cover.
Which Indian cards earn BOBCARD Reward Points?
41 Indian cards earn BOBCARD Reward Points outright. Best-ranked earners: BOBCARD Eterna, BOBCARD Tiara and BOBCARD Premier, the best of them at 0.8% reward rate. The card list above names each of them with its rank, its ratio and what one of its points becomes here.
When did BOBCARD Reward Points last devalue?
25 Aug 2026 — BOBCARD withdraws accidental death cover from twenty cards. That is the newest cut on our record. The nerf log below carries 6 tracked events touching BOBCARD Reward Points, and the program grades stable on nerf risk.
Verified against BOBCARD (Bank of Baroda)'s own documents on · our house ₹/point, ₹0.25 today
Not published , and we will not invent it: how long posting takes · its award terms — surcharges and the booking window.
Every document behind this page — 2 of them, each with the day we read it
- official BOBCARD's Eterna page — 1 reward point = ₹0.25 as cashback, the rate that turns its 15 points per ₹100 online rung into a 3.75% return
- official BOBCARD's Product Features T&C, 15 July 2026 edition — the core 3 points per ₹100, the 5,000-a-cycle accelerator cap, and pay-with-rewards priced at 15 paise a point