How does airport lounge access work on this card after October 2026?

Unlimited complimentary domestic airport lounge access is unlocked on ₹40,000 of spends in the preceding calendar quarter until 30 September 2026. From 1 October 2026 the qualifying threshold rises to ₹75,000 per calendar quarter, so you must spend ₹75,000 in a quarter to keep unlimited lounge access in the next quarter.

What is the interest rate (APR) on this card?

The finance charge is 45% per annum (3.75% per month) with effect from 15 July 2026, applied to revolved balances, EMIs and cash advances. Cash advances additionally accrue interest from the transaction date with no interest-free period.

What are the features and benefits of the ETERNA credit card by BOBCARD?

BOBCARD ETERNA offers a range of premium lifestyle benefits, including accelerated rewards on travel, dining, online, and international spends. ETERNA customers enjoy access to unlimited airport lounges*, a welcome perk valued at ₹15,000, buy-one-get-one (BOGO) movie tickets, and various partner discounts, all designed to elevate your lifestyle. And, with reduced 2% Forex mark-up, ETERNA is your best travel Credit Card.

How can I apply for the ETERNA Credit Card by BOBCARD?

You can easily apply for the BOBCARD ETERNA online by visiting the BOBCARD website. Fill out the application form, complete the e-sign process, and verify your identity with Video-KYC. Alternatively, you can reach out to customer support or visit any Bank of Baroda branch to initiate the application process.

What makes the BOBCARD's ETERNA Credit Card one of the best lifestyle credit cards?

BOBCARD ETERNA stands out for its exclusive benefits, including accelerated reward points on every transaction, complimentary airport lounge access, FITPASS membership as a welcome perk, and a monthly BOGO movie ticket. It's a preferred choice for those who appreciate premium experiences, offering smart savings of upto ₹81k per year and the chance to indulge in luxury without limits.

What are the eligibility criteria for the ETERNA Credit Card?

Please refer to the "Application Guidelines" section on this page or contact our customer support team at 1800 266 5100/7100.

What are the annual fees and charges associated with the ETERNA Credit Card?

ETERNA Credit Card has an annual fee of ₹2,499, which can be waived upon meeting pre-defined spending criteria. For complete fee structure and additional charges, refer to the "Additional Features" section on this page.

Can I earn reward points on dining and travel expenses with the ETERNA Credit Card?

Yes, the ETERNA Credit Card offers accelerated reward points on dining, travel, online, and international spends, making it an ideal choice for frequent travellers and dining enthusiasts.

Credit Cards

LifestylePremiumVisa

BOBCARD ETERNA

Premium fitness rewards with zero lifetime fees

Annual fee₹2,499Waived on ₹2.5L spend

Rewards3.00%3 Reward Point per ₹100

Forex markup2%Save more with a Reduced Forex mark-up of 2% on International Spends.

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Welcome benefits

worth ₹48,000

FITPASS Pro Membership

Type: Fitness Membership
Trigger: Card Issuance
Partner: FITPASS
Validity: 60 days

Rewards

Base earn rate

3 Reward Points for every ₹100 spent on other categories*.

Excludes: Fuel

Category	Rate	Cap
Dining	5X	—
Travel	5X	—
International	5X	—
Online Shopping	5X	—

Milestone benefits

Earn 10,000 bonus reward points on spending ₹50,000 within the first 60 days & 20,000 bonus reward points on spending ₹5,00,000 in a year. Know more. Spend Rs 25000 in the first 60 days and get your joining fee waived off***.

Fees & charges

Joining fee: Just ₹2499 in Joining & Annual Fees
Annual / renewal fee: Just ₹2499 in Joining & Annual Fees
Annual fee waiver: Spend ₹2,50,000 in every card anniversary year and get your annual fee waived off***.
Add-on card fee: Get up to 3 lifetime free add-on cards for your spouse, parents, siblings, or kids (above age 18).
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹600
Payment dishonour: ₹500
Forex markup: Save more with a Reduced Forex mark-up of 2% on International Spends.
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
Duplicate statement: ₹25

View official MITC →

Insurance covers

Air accident

₹100L

Get free Personal Accidental Death Cover to ensure financial protection of your family (Air: ₹1 Crs, Non-Air: ₹10 Lakhs).

Fraud liability

Report loss of card immediately to ensure zero liability on any fraudulent transactions.

Eligibility

Income (salaried): Salaried/Self-employed with Net Annual Income > ₹12 Lakh
Age: 25–55 years

Employment types

SalariedSelf-Employed

Required documents

Recent Passport size photograph (with clear / white background & without dark / tinted glass)
PAN Card
Aadhaar Card (both side)
Voter ID Card issued by election commission of India
Passport
Driving Licence
Job Card issued by NREGA duly signed by an officer of the State Government
Letter issued by the National Population Register containing details of the name & address
Salaried: Bank Statement reflecting salary credit for last 2 months. Salary Slips, if submitted, to be accompanied with bank statement as specified above.
Self-Employed: Bank Statement (pdf file format) reflecting business transactions for last 3 months.