Synopsis: The BOB Eterna Credit Card provides premium travel and lifestyle benefits together with high cashback and milestone rewards and lounge access, all available at minimal costs or free of charge. The card stands as ideal for consumers who spend at mid- and high levels and want to obtain authentic value through their daily purchases.
Why pay more for premium perks when you can have it all for less? The BOB Eterna Credit Card transforms everyday spending into real rewards, milestone bonuses, and unlimited airport lounge access, making every swipe count. The service provides benefits that enhance your daily activities through its dining, travel, movie and fitness offerings. The card provides customers with free lifetime access until 2026, which allows them to spend less while enjoying greater benefits.
BOBCARD ETERNA Credit Card
The BOBCARD ETERNA Credit Card serves as a premium card that provides lifestyle and travel benefits to high-achieving customers who want to derive value from their daily purchases. The card offers customers free access for the lifetime untill 31st March 2026 under promotional offers.
- Fees
- Joining & Annual Fee: ₹2,499
- Fee Waiver: Joining fee waived on ₹25,000 spend in first 60 days
- Annual fee waived on ₹2.5 lakh annual spend
- Welcome benefit
- FITPASS Pro membership: 12 months, worth ₹48,000 (activation within 60 days)
- Reward Points & Cashback
- Premium categories: 5X Rewards → 15 RP per ₹100 spent (Dining, Travel, online, and International)
- Base spends: 3 RP per ₹100 on other categories
- Cashback conversion: 1 RP = ₹0.25
- Airport Lounge Access
- Unlimited domestic lounge access
- Eligibility: ₹40,000 spend in previous quarter (₹13,333.33/month)
- Lifestyle Add-Ons
- BOGO movie tickets: buy 1 and get 1 offer on movie ticket up to ₹250/month via the District app
- Fuel surcharge waiver: 1% on ₹400–5,000 fuel transactions (max ₹250 per statement)
- Insurance cover: Get free Personal Accidental Death Cover to ensure financial protection of your family up to ₹1 crore (air) and ₹10 lakh (non-air)
- Milestone Rewards
- 10,000 RP on ₹50,000 spent in the first 60 days
- 20,000 RP on ₹5 lakh annual spend
- Total milestone value: 30,000 RP = ₹7,500 cashback
- Travel-Friendly Features
- Reduced forex markup: 2% on international spends
- Rewards earned on international transactions
- Other Benefits
- Smart EMI: Convert purchases > ₹2,500 into 6–48 months EMI
- Free add-on cards: Up to 3 lifetime free add-on cards for family members
- Zero liability on lost card & contactless payments: Safe and fast transactions
Also read: 9 Best Credit Cards Offering Complimentary Lounge Access with No Minimum Spend Requirement
Example: With a Monthly Spend ₹13,500
If you spend ₹13,500 per month on premium categories, your rewards provide cashback benefits, while lounge access depends on meeting the quarterly spend requirement.
- Spend = ₹13,500/month
- Annual spend = ₹1,62,000
- Reward Points per month = 2,025 RP
- Cash value per month = ₹506
- Annual cashback = ₹6,072
For Maximum Benefits, with an annual spend of ₹2,52,000, you become eligible for annual fee waiver (₹2,499). Here’s how
- Spend = ₹21,000/month
- Annual spend = ₹2,52,000
- Reward Points per month = 3,150 RP
- Cash value per month = ₹787.5
- Annual cashback = ₹9,450
To apply for the card, please visit the Official Website
Note: Reward Points are converted at 1 RP = ₹0.25, and rewards vary based on spend categories and usage. A fee waiver applies on meeting the annual spend condition of ₹2.5 lakh, and lounge access is subject to quarterly spend eligibility.
Conclusion
The BOB Eterna Credit Card functions as an excellent lifestyle and travel credit card that provides genuine cashback benefits together with milestone rewards and high-end features at no additional cost. The card exists as one of the top premium-value options in 2026 because it offers customers both attainable spending needs and lifetime free benefits.
Written by Ameet S
