What are the eligibility criteria for BOBCARD Eterna Credit Card?

You must be 21-65 years old, have a minimum annual income of ₹5 lakhs for salaried individuals (₹6 lakhs for self-employed), and have a good credit score (700+). Valid KYC documents are required.

What is the annual fee and how can I get it waived?

The annual fee is ₹2,999 (plus GST). It can be waived by spending ₹3 lakhs or more in the previous year. First-year fee is waived for select customers.

How do I earn and redeem reward points?

Earn 10X points on travel and dining, 5X on shopping and entertainment, and 2X on all other spends. Points can be redeemed for statement credit, vouchers, or partner products. Points never expire.

What travel benefits do I get with this card?

Enjoy unlimited domestic and international lounge access, complimentary travel insurance up to ₹1 crore, lost baggage protection, flight delay coverage, and priority check-in at select airports.

How long does it take to get the card?

Once approved, your card will be delivered within 5-7 business days. You can track your application status online. Instant virtual card available upon approval for immediate use.

Are there any foreign transaction fees?

Yes, foreign currency transactions attract a markup of 3.5% on the transaction amount. However, higher reward points on international spends help offset this cost.

How does the 24/7 concierge service work?

Our dedicated concierge team is available round the clock to assist with restaurant reservations, travel bookings, event tickets, gift recommendations, and emergency assistance worldwide.

Can I add family members to my account?

Yes, you can get up to 3 add-on cards for family members at no additional cost. Add-on cardholders also enjoy select benefits like lounge access and reward points accumulation.

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Bank of Baroda Credit Cards

RedefiningLuxury.

Unmatched privileges for the discerning traveler. Eterna is not just a card; it's a statement.

Apply now

01 / 05

Eterna

Elevated lifestyle & premium rewards

15x reward points on dining, travel & international spends. Unlimited domestic lounge access, BOGO movies, and FitPass Pro.

15x

Dining & Travel

All Other Spends

Free

Lounge Access

Explore Eterna

02 / 05

Tiara

Empowered lifestyle, wellness & style

Built for the modern woman. 15x rewards, complimentary wellness package, style vouchers from Myntra, Nykaa & more.

15x

Dining & Travel

Free

Wellness Package

Free

Add-on Card

Explore Tiara

03 / 05

Cashback

Simple savings, every single month

5% cashback on eligible online spends, 1% on everything else. Auto-credited monthly. No points, no complexity.

Online Cashback

All Other Spends

Auto

Monthly Credit

Explore Cashback

04 / 05

Etihad Guest Premier

Turn every spend into miles

3x Etihad miles on etihad.com, 1 mile per Rs. 100 everywhere. 12 lounge visits/year and just 1% forex mark-up.

Etihad Miles

Lounge Visits/yr

Forex Mark-up

Explore Etihad Guest Premier

05 / 05

Etihad Classic

Your gateway to global travel

2x Etihad miles on etihad.com. 2 complimentary lounge visits per quarter. Fast-track your silver tier status.

Etihad Miles

Lounge Visits/yr

Fast

Silver Tier Status

Explore Etihad Classic

Double-card benefits

1% back on all transactions

Earn 1% back on Scan & Pay UPI transactions + POS & online/offline transactions.

Works with any UPI app.

No reward capping.

Double-card benefits

1% back on all transactions

Earn 1% back on Scan & Pay UPI transactions + POS & online/offline transactions.

Works with any UPI app.

No reward capping.

Save abroad

with Zero Forex Fee

Travel the world without worrying about foreign exchange charges. Accepted across 150+ countries.

Real-time conversion rates.

Accepted in 150+ countries.

Save abroad

with Zero Forex Fee

Travel the world without worrying about foreign exchange charges. Accepted across 150+ countries.

Real-time conversion rates.

Accepted in 150+ countries.

Fuel surcharge waiver

Save on every fill-up

Get 1% fuel surcharge waiver at all fuel stations across India. Save up to ₹3,500 per year.

All fuel stations in India.

Save up to ₹3,500/year.

Fuel surcharge waiver

Save on every fill-up

Get 1% fuel surcharge waiver at all fuel stations across India. Save up to ₹3,500 per year.

All fuel stations in India.

Save up to ₹3,500/year.

Lounge access

Complimentary airport lounges

Enjoy unlimited domestic lounge visits and 4 international lounge visits per year.

Unlimited domestic lounges.

4 international visits/year.

Lounge access

Complimentary airport lounges

Enjoy unlimited domestic lounge visits and 4 international lounge visits per year.

Unlimited domestic lounges.

4 international visits/year.

Dining & entertainment

Up to 15x reward points

Earn accelerated reward points on dining, movies, and entertainment spends. Exclusive BOGO offers on BookMyShow.

15x points on dining & movies.

BOGO on BookMyShow.

Dining & entertainment

Up to 15x reward points

Earn accelerated reward points on dining, movies, and entertainment spends. Exclusive BOGO offers on BookMyShow.

15x points on dining & movies.

BOGO on BookMyShow.

Simple Process

Your Journey to Premium

Get your BOBCARD Eterna Card in just 3 simple steps

Step 1

Fill Application

Quick 2-minute form

Step 2

Instant Activation

Approval and delivery in 5 days

Step 3

Start Earning

Unlock premium lifestyle

Apply now

Your Journey to Premium

Get your BOBCARD Eterna Card in just 3 simple steps

Step 1

Fill Application

Quick 2-minute form

Step 2

Instant Activation

Approval and delivery in 5 days

Step 3

Start Earning

Unlock premium lifestyle

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Take the first step toward a meaningful journey.

Join thousands of satisfied customers and experience the power of BOBCARD.

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Frequently Asked Questions

Everything you need to know about BOBCARD Eterna Credit Card