Synopsis: This article compares the BOB Cashback Credit Card and BOB Eterna Credit Card to help you choose between simple cashback savings and a premium lifestyle card with rewards and travel benefits.
What if your credit card could either save you money on every transaction or upgrade your lifestyle with travel and premium perks? The BOB Cashback Credit Card and the BOB Eterna Credit Card present users with two distinct options. The first card provides automatic cashback, which requires no effort from users, whereas the second card delivers reward points, lounge access, and lifestyle perks. The two cards provide different benefits, and they serve different spending patterns of their users.
1. BOB Cashback Credit Card
- Fees
- Joining Fee: ₹499 per year
- Annual Fee: ₹499 per year
- Monthly Option: ₹49 per month
- Benefits
- 5% cashback on eligible domestic online spends (up to ₹1,500/month)
- Unlimited 1% cashback on all other spends
- Cashback is automatically credited to the statement every month (no redemption required)
- Additional Benefits
- 1% fuel surcharge waiver on ₹400–₹5,000 transactions (max ₹250 per cycle)
- Smart EMI option on spends above ₹2,500 (6–48 months)
- Up to 3 lifetime free add-on cards for family members
- Zero liability on lost card (if reported immediately)
- Payments & Usage
- Works with Google Pay (tap & QR payments supported)
- Contactless payments enabled for fast transactions
To apply for the card, please visit the Official Website
2. BOB Eterna Credit Card
- Fees
- Joining Fee: ₹2,499 ( Waiver On ₹25,000 spend within first 60 days )
- Annual Fee: ₹2,499 ( Waiver 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)
- 5X rewards are capped at 5,000 reward points per statement cycle
- 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
- Lifestyle benefits
- BOGO movie tickets: buy 1 and get 1 offer on movie ticket up to ₹250/month via 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 spend in first 60 days
- 20,000 RP on ₹5 lakh annual spend
- Total milestone value: 30,000 RP = ₹7,500 cashback
- Travel-Friendly Features
- 2% forex markup 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
To apply for the card, please visit the Official Website
BOB Cashback vs BOB Eterna
Which One Should You Choose?
- The BOB Cashback Credit Card provides automatic cashback, which requires no spending tracking while delivering cashback from purchases above your typical spending.
- The BOB Eterna Credit Card is better suited for users who spend ₹2.5 lakh or more annually and want lounge access with lifestyle benefits while they achieve maximum rewards through their spending.
Conclusion
Both cards serve very different purposes, and the right choice depends on how you spend. The BOB Cashback Credit Card is perfect for those who want simple, hassle-free savings with guaranteed cashback on everyday transactions. The BOB Eterna Credit Card works best for customers who want to use their benefits to earn maximum rewards and experience travel and premium advantages.
Written By Ameet S
