BOBCARD

BOBCARD ETERNA

TravelDiningLoungeOnline shopping

Apply on bank site

Checked 2 Oct 2026 ·

Annual fee₹2,499+ GST

Forex markup2%

Interest3.75%a month

Network

You earn

Perks & rules

What changed

1 Oct 2026Unlimited domestic lounge access now needs ₹75,000 spend in the previous calendar quarter (was ₹40,000)

1 Sep 2026Joining/first-year fee set to ₹0 as a limited-period offer

1 Aug 2026FITPASS PRO membership on ₹10,000 spend in 30 days for cards issued from this date

15 Jul 2026Finance charge raised to 3.75% a month (45% a year) from 3.25% a month (39% a year)

15 Jul 2026Accidental death cover dropped for cards issued after 15 Jul 2026; for older cards it ended on 25 Aug 2026

1 Apr 20261% fee on education payments via third-party apps (max ₹5,000), on toll/bus spends of ₹5,000+ and railway bookings of ₹30,000+; telecom spends now earn base points

Worth it?

See what it pays back on your spending, after the fee.Run the numbers

All the fine printEvery detail from the bank's documents, in one place

How you earn

Rewards asReward points

Base rate3 points per ₹100 spent (transactions of ₹100 or more)

Higher rates

Online, dining, travel, international: 15 points per ₹100 (5X) on online spends, international spends, dining (MCC 5812) and travel agencies (MCC 4722)
BOBCARD SmartDeal: 12 points per ₹100 on flights and 30 points per ₹100 on hotels booked via BOBCARD SmartDeal in the app/portal

Limits

5X points: up to 5,000 points per statement cycle; after that, base rate
No 5X points on UPI or utility (MCC 4900) transactions
No points on transactions under ₹100

Doesn't earn on

Fuel; rent; wallet loads; government; education; insurance; hospitals; charity; transport, tolls and railways; supermarkets, grocery and convenience stores (MCC 5411, 5499, 5331, 5261); fast food (MCC 5814); and some other MCCs

Where it landsBase points each statement; 5X bonus points show in the next monthly statement. Points can be redeemed after the statement is generated

What a point is worth

Value1 point = ₹0.25 as cashback to your card; 1 point = ₹0.15 via TWID Pay with Rewards

ExpiryDo not expire on Eterna; points carried over from an older BOBCARD keep their 2-year expiry. All points lapse if the card is unused for 365 days or closed

Redemption feeNo fee; minimum 1,000 points to redeem against the statement

Welcome benefit

Welcome10,000 bonus points on ₹50,000 spend in the first 60 days; 12-month FITPASS PRO on ₹10,000 spend in the first 30 days (cards issued from 1 Aug 2026)

Milestones

20,000 bonus points on ₹5 lakh spend in a card year

Airport lounges

DomesticUnlimited domestic lounge visits in a quarter if you spent ₹75,000 in the previous calendar quarter; ₹2 card swipe at the lounge; new cards get the quarter of issue without the spend rule

InternationalNone stated