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BOBCARD Reward Points

Eterna's currency — a fixed ₹0.25/point redeemed as flat STATEMENT CREDIT, which is what makes the 15 RP/₹100 online rate a genuine 3.75% cashback. No transfer partners; the value never moves and never rises. Floor is the slightly thinner catalogue/voucher rate.

BOBCARD (Bank of Baroda)·holding flat·reviewed 2026-07-10
₹0.20
Floor
₹0.25
House value / point
₹0.25
Ceiling
Trend

Nerf risk: stable No tracker events on record for this program

Floor = the worst redemption you can always fall back on; ceiling = the best sweet-spot exit. The house value is what a disciplined traveller actually clears.

Every way in

What a point has been worth

Derived only from quantified, dated events in the tracker — no interpolation, no vibes.

₹0.25 → ₹0.25 since 2023
  • 10 Jul 2026 ₹0.25 current house value
  • 1 Jan 2023 ₹0.25 program / anchor-card (Eterna) coverage start — no recorded movement while indexed

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