BOBCARD ETERNA credit card
3.75% on travel, dining, online and international spends; fee waived at ₹1.5L.
Source: BOBCARD – ETERNA · last reviewed 2026-09-12
Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.
Why it fits – and what to watch
hover any tile for the detail! Points are worth only ₹0.25 each – 1 RP = ₹0.25 on statement credit / catalogue.
Where the money comes from
₹6,687/yr · 2.0%UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
How the score of 58 is built
weights total 100% · methodologyAirport lounges with this card
Open Lounge Finder →How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
DEL Delhi 4 lounges
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
- ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
- ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
- ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
- ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
- ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
- ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
- ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
- ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
- ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
- ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
- ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
- ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
- ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
+ 30 more airports in the Lounge Finder.
Card facts
At a glance
- 3.75% on the categories most people care about
- Cheapest waiver among premium cards
- 2% forex markup
- 5,000 RP/month cap on accelerated
- Points worth ₹0.25
- Only 4 lounge visits
Compare BOBCARD ETERNA with
Community Q&A on the BOBCARD ETERNA
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the Bank of Baroda BOBCARD ETERNA?
Joining fee ₹2,499 and renewal fee ₹2,499, plus 18% GST (₹2,949 a year). The renewal fee is waived if you spend ₹1,50,000 in the card year.
Does the BOBCARD ETERNA give airport lounge access?
4 domestic/yr. 1 domestic visit per quarter.
How much can I save with the BOBCARD ETERNA?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹6,687 a year, an effective savings rate of 2.0% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the BOBCARD ETERNA's reward exclusions and caps?
No rewards on fuel, rent, utilities, insurance, education. 15 RP/₹100 on travel, dining, international & online (5,000 RP/mo cap): capped at ₹1,250 a month
Sources
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.