BOBCARD ETERNA Credit Card
BOBCARD · Visa · Mid card
Unlimited domestic airport lounge access at a sub-₹2,500 fee undercuts most banks’ equivalent tier significantly.
Frequent domestic travellers who want domestic airport lounge access without a premium-tier fee.
Terms checked 13 Sept 2026
- Annual fee
- ₹2,499 + GST
- Joining fee
- ₹0
- Base reward rate
- 0.8%
- Forex markup
- 2%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Travel & hotels | 3.8% |
| Dining & delivery | 3.8% |
| Online shopping | 3.8% |
| International spending | 3.8% |
| Groceries & essentials | 0.8% |
| Bills & utilities | 0.8% |
| Subscriptions & streaming | 0.8% |
| Beauty & wellness | 0.8% |
| Entertainment & movies | 0.8% |
| Offline store shopping | 0.8% |
| Insurance premiums | 0.8% |
| Education & family | 0.8% |
| Healthcare & pharmacy | 0.8% |
| Other miscellaneous | 0.8% |
| Gold & jewellery | 0.8% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹2,50,000 annual spending
- Monthly income requirement
- Approx. ₹1,00,000/month salaried · ₹1,00,000/month self-employed
Airport lounge access
Unlimited domestic airport lounge visits
1 domestic airport lounge visit per year · Issuer card
Guest access: Not specified
Requires ₹75,000 per Calendar quarter for the following calendar quarter
Spend condition: ₹75,000 eligible spend in the preceding calendar quarter.
Movies and entertainment
District · Buy one, get one · up to ₹250 · 1 use/month
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
5X ETERNA rewards
Usage-based value15 points per ₹100 on eligible travel, dining, online and international purchases, capped at 5,000 accelerated points per statement cycle.
Other eligible ETERNA rewards
Usage-based value3 points per ₹100 on other eligible retail purchases.
15 reward points per ₹100 on eligible travel, dining, online and international spend
Shown without a cash value3 reward points per ₹100 on other eligible purchases
Shown without a cash value20,000 anniversary bonus points at ₹5 lakh annual spend
Shown without a cash value
Fees · 1 item
Annual card fee
Cost ₹2,499₹2,499 annual fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹2,499Annual fee may be waived after ₹2,50,000 of eligible annual spending.
Conditions: Reach ₹2,50,000 eligible annual spending
Welcome benefits · 2 items
10,000 welcome reward points
Recorded value ₹2,500Introductory points worth ₹2,500.
Conditions: Spend ₹50,000 within 60 days of issuance · Current issuance and fulfilment terms apply
FITPASS PRO membership
Shown without a cash valueTwelve-month fitness membership for eligible newly issued cards.
Conditions: Card issued on or after 1 August 2026 · Spend ₹10,000 within 30 days · Partner activation terms apply
Spend milestones · 1 item
20,000 points at ₹5 lakh anniversary-year spend
20,000 reward unitsUnlocked after ₹5,00,000 of eligible spending.
Conditions: Reach ₹5,00,000 per card anniversary year
Airport lounge access · 1 item
Domestic lounge access
Usage-based valueUnlimited visits through Issuer card. Guest access: not specified.
Conditions: Spend ₹75,000 per calendar quarter
Movies and entertainment · 1 item
District movie offer
Usage-based · up to ₹3,000Buy one, get one offer up to ₹250, 1 time per month.
Insurance and protection · 1 item
Zero lost-card liability after timely reporting
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹250 monthly
Shown without a cash value
Memberships · 1 item
FITPASS PRO membership after ₹10,000 spend within 30 days for eligible newly issued cards
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value2% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹1,00,000. Monthly threshold derives from the published ₹12 lakh annual income condition.
Other benefits · 1 item
Up to three lifetime-free add-on cards
Shown without a cash value
Other categories (5)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 15 reward points per ₹100 on eligible travel, dining, online and international spend
- ✓ 3 reward points per ₹100 on other eligible purchases
- ✓ Unlimited domestic lounge visits after ₹75,000 spend in the preceding calendar quarter
- ✓ 20,000 anniversary bonus points at ₹5 lakh annual spend
What to watch
The ₹0 joining/first-year fee is a limited-period offer. From year two, the ₹2,499 fee is waived only after ₹2.5 lakh of eligible annual spend.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Cash withdrawal · Emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value improved
First-year fee offer introduced
Current new issuance is first-year free under the published limited-period offer.
- Before
- The joining fee was charged under the standard fee schedule.
- After
- Joining and first-year annual fee are nil; ₹2,499 renewal fee applies from year two unless waived.
Checked 21 Sept 2026BOBCARD ETERNA current product page ↗ - Mixed impact
Lounge qualification and milestone benefits revised
BOBCARD increased the preceding-quarter spend required for unlimited domestic lounge access and published the current anniversary milestone.
- Before
- The prior lounge threshold and benefit schedule applied.
- After
- ₹75,000 eligible spend in the preceding calendar quarter unlocks lounge access; 20,000 points are available at ₹5 lakh anniversary-year spend.
Checked 21 Sept 2026BOBCARD ETERNA benefit revision ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 1 Sept 2026