BOBCARD Eterna Credit Card Review 2026 | Card24.ai
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BOBCARD Eterna Credit Card Review 2026

Avail unlimited domestic lounge access and benefits worth ₹81,000 with the best everyday lifestyle credit card.

4.67
/5
Card24 Score
Fees
5
Rewards
4
Benefits
5
Last reviewed April 2026 · Card24.ai editorial team
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BOBCARD Eterna
Annual Fee
₹2,499 + GST
Rewards
5X
Forex Markup
2%
Cashback Value
₹0.25

Credit Card Verdict - Eterna Review

What we like

  • 5X on dining, travel & shopping
  • 2% forex with 5X rewards on international
  • LTF offer active now
  • Free add-on cards with domestic lounge access

Watch out for

  • Lounge needs ₹40K/quarter spend
  • 5X capped at 5,000 RP/cycle
  • No international lounge access
  • Rewards blocked on rent, fuel & wallets
  • SmartDeal 10X is portal-only, not all travel

*5X reward rate is calculated at 15 points per ₹100, redeemable at ₹0.25 per point, capped at 5,000 points per billing cycle on accelerated categories. Lounge access requires ₹40,000 minimum spend in the preceding calendar quarter. Welcome benefits applicable on first-time card issuance only. Terms and conditions apply.

Credit Card Achievers - Eterna Review

Is BOBCARD Eterna Worth It in 2026?

The short answer is yes- but one condition changes everything. At zero annual fee (current limited-time offer), the value proposition is exceptional. Even at the standard ₹2,499 fee, the numbers work out comfortably.

The 10,000 welcome bonus points on ₹50,000 spend in the first 60 days add ₹2,500 in cashback value. BOGO movie tickets via District add up to ₹3,000 a year. At 5X return on dining, travel and shopping, a cardholder spending ₹50,000/month is looking at ₹22,000+ in annual rewards value.

The one scenario where it isn't worth it: if lounge access is your primary reason and you can't consistently hit ₹40,000 per quarter. The 5X cap at 5,000 points per cycle also limits upside for very heavy spenders. In that case, SBI Card Elite or Axis Bank Select offer lounge access without a spend condition at comparable fee points.

Eterna is the only mid-premium card that earns reward points on every UPI transaction- something no Visa or Mastercard card can do.

BOBCARD Eterna Credit Card Benefits

How to Get the Most Out of BOBCARD Eterna

Spend ₹40,000 per quarter on eligible categories. Route monthly online subscriptions, dining, and travel bookings exclusively through this card. And get unlimited domestic lounge access.

The 5X rewards cap is 5,000 points per billing cycle (equivalent to ₹33,333 in accelerated spend). Keep monthly online, travel, dining, and movie spends within this band for the best per-rupee return.

Spending ₹5 lakh annually on eligible categories earns you 20,000 bonus reward points (₹5,000 cashback).

Book flights and hotels via BOBCARD SmartDeal portal for extra 12 points per ₹100 on flights and 30 extra points per ₹100 on hotels.

Request the RuPay variant to link with Google Pay or PhonePe. Earn base reward points on daily UPI transactions- a category most premium cards do not reward.

Spend ₹25,000 in the first 60 days to get your ₹2,499 joining fee reversed. Use it for a slightly larger purchase (electronics, travel booking) or accumulate grocery and dining bills in the first two months.

BOBCARD Eterna Fees, Annual Fee Waiver & LTF Offer

Joining Fee ₹2,499 + GST
Joining Fee Waiver Waived on spending ₹25,000 within the first 60 days of card issuance
Annual Renewal Fee ₹2,499 + GST
Annual Fee Waiver Waived on spending ₹2,50,000 in the card anniversary year
Forex / International Markup 2% + GST on all international transactions
Add-on Card Fee ₹0 (up to 3 add-on cards, lifetime free)

BOBCARD Eterna Credit Card Eligibility & Documents

Age 25-55 years
Minimum annual income ₹12,00,000
Documents required PAN card · Aadhaar · Last 3 months salary bank statement
Residency Indian resident only

Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.

How to Apply for BOBCARD Eterna Credit Card

The application process is entirely online and takes about 5-7 minutes.

1

Fill the Application - Enter your basic details on this page- name, income, employment type. Takes under 2 minutes. Card24.ai passes your details to BOBCARD's application system securely.

2

OTP verification - Complete Aadhaar-based OTP authentication for identity verification. This is BOBCARD's standard paperless KYC process.

3

Video KYC - BOBCARD may request a short Video KYC session- a 2-minute video call where an agent verifies your face against your Aadhaar. Keep your PAN card handy. Usually scheduled within 24 hours.

4

Approval decision - "Most applicants receive a decision within 24-48 hours. If approved, your digital card is available immediately for online transactions.

5

Physical card dispatch - Your physical card arrives in 3-7 working days. Activate it via the BOBCARD app or by calling customer care.

Start Your Application

Frequently Asked Questions

The lifetime free variant is a limited period offer. If you're eligible- salaried or self-employed with a net annual income of ₹12 lakh or more- the LTF option appears automatically during the online application. The standard annual fee is ₹2,499 + GST, waived if you spend ₹2.5 lakh in the year. Check bobcard.co.in for current offer availability.
You must spend ₹40,000 in the preceding calendar quarter to unlock unlimited domestic lounge access for the next quarter. The threshold applies to the primary cardholder's account. If you miss a quarter, lounge access is paused until the next qualifying quarter.
One reward point is worth ₹0.25 when redeemed as cashback or statement credit. The accelerated rate of 15 points per ₹100 on dining, travel, shopping, and international spends gives an effective return of 3.75%. Base spends earn 3 points per ₹100 (0.75% return). Accelerated points are capped at 5,000 per billing cycle.
Yes. The Eterna runs on RuPay, which means it can be linked to Google Pay, PhonePe, and Paytm for UPI transactions. You earn 3 reward points per ₹100 on UPI spends- making it one of the only credit cards in India that earns reward points on UPI payments. Note: this applies only to the RuPay variant, not Mastercard.
The minimum net annual income required is ₹12 lakh (₹1 lakh per month) for both salaried and self-employed applicants. Age eligibility is 25–55 years, though BOBCARD may consider applications outside this range at their discretion.