BOBCARD ETERNA
A reward points card: 15 points per ₹100 on online shopping, travel, dining and international spends (up to 5,000 points a statement cycle), 3 per ₹100 elsewhere, points worth ₹0.25 as cashback, a 2% forex markup and unlimited domestic lounge visits on ₹75,000 of quarterly spend. Every figure below is copied from BOBCARD’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | ₹2,499 plus GST Product page |
| Annual fee waiver | On ₹2,50,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 2% of the transaction, plus GST MITC |
| From 1 September 2026 the product page gives a ₹0 joining (first-year) fee, flagged as a limited-period offer; the key fact statement of 17 July 2026 gives a ₹2,499 joining fee waived on ₹25,000 of spend in the first 60 days. The annual fee of ₹2,499 from the second year is waived on ₹2.5 lakh of spend in the preceding card anniversary year. | |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Online shopping, travel, dining and international spends (15 points per ₹100, up to 5,000 points a cycle) | 15 points per ₹100 Product page | up to 5,000 points a statement cycle Product page |
| Other eligible spends (3 points per ₹100) | 3 points per ₹100 Product page | no cap on record |
Accelerated points follow the online or international flag and MCCs 5812 (dining) and 4722 (travel agencies); utility bills (MCC 4900) and UPI payments get only the core 3 points. Online grocery and food delivery are left unrated because supermarket (5411) and fast-food (5814) merchant codes earn nothing even when paid online. Points on ETERNA do not expire. Points earn only on transactions of ₹100 or more.
No rewards on
Benefits
- Lounges: Unlimited domestic airport lounge visits — ₹75,000 of spend in the preceding calendar quarter (from 1 October 2026) Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a statement cycle Product page
- Welcome: 10,000 reward points on ₹50,000 of spend in the first 60 days Terms
- Milestone: 20,000 reward points on ₹5 lakh of spend in a card anniversary year Terms
Also on this card
Quoted from BOBCARD; not counted in the net value.
- Extra 12 points per ₹100 on flights and 30 per ₹100 on hotels booked through BOBCARD SmartDeal Terms
- 12-month FITPASS PRO membership (valued by BOBCARD at ₹48,000) on ₹10,000 of spend in the first 30 days Product page
- Buy-one-get-one movie tickets on District, up to ₹250 a month Product page
- Reward points on ETERNA do not expire Terms
- 2% foreign currency markup Product page
Eligibility
- Indian resident Product page
- Salaried or self-employed Product page
- Net annual income above ₹12 lakh Product page
- Age 25 or above Product page
- Age 55 or below Product page
Not published by BOBCARD in the documents read
- the card network
- a RuPay variant for UPI
Where BOBCARD’s documents differ, and what is used
- Joining fee: the product page gives ₹0 from 1 September 2026 as a limited-period offer; the key fact statement of 17 July 2026 gives ₹2,499, waived on ₹25,000 of spend in 60 days. The newer, dated product-page figure is used.
- The product page writes the annual milestone threshold as '₹50,00,00'; the features document (15 July 2026) gives Rs. 5,00,000, which is used.
The quotes behind the figures
35 figures, each copied from an official BOBCARD document.
Show every quote and source
“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.”
“Goods & Services Tax 18%”
“Eterna, Tiara, Varunah Premium, ICAI, ICSI, CMA: 2% of transaction amount”
“All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.25”
“Earn 5X Rewards* i.e 15 Reward Points per ₹100 on your Travel and International spends.”
“*Please note that 5X Rewards are capped at 5,000 Reward Points on the mentioned categories per statement cycle. Further spends in that statement cycle on these categories will earn Reward Points at the regular earn rate.”
“Earn 5X Rewards* i.e 15 Reward Points per ₹100 when you spend on dining.”
“Eterna, Eterna (FD Backed) Ecom-Online transaction flag provided by Merchant Acquirer International-International transaction flag provided by Merchant Acquirer Dining-5812 Travel-4722 5000 Reward points”
“When you shop for loved ones or yourself, you earn 5X Rewards* i.e 15 Reward Points per ₹100 on”
“3 Reward Points for every ₹100 spent on other categories*.”
“Eterna, & Eterna (FD Backed), Tiara, Varunah Premium 3 RP per 100”
“Fuel transactions don't accrue/ earn any reward points on any BOBCARD except HPCL Energie BOBCARD”
“Spends on special categories (MCC's) listed in annexure 1 won't qualify for accelerated or core reward points feature.”
“Table 2: Select list of MCC (Merchant Category Code) where Cardholder will not earn any Reward points/ Loyalty benefits.”
“Transportation (Passenger Transportation, Passenger Railways, Bus services, Toll and road and Bridge Fees and Transportation Services - Not Elsewhere Classified) Rent Cleaning and Maintenance, laundry, Personal services (Beauty parlour, barber, Legal and CIVIC services etc) Government Education Hospital Wallet”
“Supermarket and convenience store, Variety Stores, Retail Store Insurance Charity Fast food restaurants”
“₹0 Joining Fee. ₹2499 annual fee waiver on milestone spends. Limited Period Offer”
“Eterna/ Eterna (FD Backed) ₹ 2,499 ₹ 25,000 in first 60 days”
“Eterna/Eterna (FD Backed) ₹ 2,499 ₹ 2,50,000 in Anniversary year”
“Rewards Redemption Fees No Fee”
“Earn 10,000 bonus reward points on spending ₹50,000 within the first 60 days & 20,000 bonus reward points on spending ₹50,00,00 in a year.”
“Starting from 1st October 2026, customers holding Eterna, Eterna FD, Tiara or Varunah Premium credit card must spend 75,000 or more in the previous calendar quarter to qualify for unlimited domestic lounge access.”
“Witness enhanced travel experiences with Unlimited Complimentary Access to Domestic Airport lounges.”
“1% fuel surcharge waiver** at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).”
“10000 reward points on spending Rs. 50,000 or more within first 60 days of card issuance”
“20,000 reward points on spending Rs. 5,00,000 or more in anniversary year.”
“Eterna 12 points for every Rs.100 30 points for every Rs.100”
“Get a fit welcome gift and stay on top of your health with a complimentary 12-month FITPASS PRO membership worth ₹48,000. Simply spend ₹10,000 within 30 days of card issuance to unlock this exclusive benefit.”
“Delight in the latest flicks with your near and dear, via a Buy One Get One Offer on movie tickets with District with upto ₹250 per month.”
“Please note reward points on BOBCARD Eterna and BOBCARD Tiara Credit Card are evergreen”
“Save more with a Reduced Forex mark-up of 2% on International Spends.”
“Indian Resident”
“Salaried/Self-employed with Net Annual Income > ₹12 Lakh.”
“Age: Minimum 25 years and Maximum 55 years”
“Be it a lifestyle upgrade, a new adventure, or a change of professional pace, ETERNA gives you the power to step up and seize the day. Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with BOBCARD or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is BOBCARD’s own file from its website, unaltered, fetched 2026-10-16. Methodology