BOB
BOBCARD Eterna Credit Card
Good fit for frequent travelers with unlimited lounge access — ₹2,499 annual fee.
Top reasons to choose this card
- Unlimited domestic lounge access
- ₹2.5L fee waiver
- Low 2% forex markup
What you'd do with it
- Strongest on Dining and similar dining spend.
- Carry it for frequent domestic airport travel where unlimited lounge access matters.
- Good for travel 2% forex · unlimited lounge
- Moderate forex 2% forex markup
- Strong lounge access Unlimited domestic lounge access
Annual fee ₹2,499 per year
Forex markup 2% high
Lounge access ∞ unlimited domestic
Rewards / ₹100 15 pts up to · ₹100 on Dining
The catch Domestic: Unlimited · requires ₹40,000 spend in the previous calendar quarter. Check visit caps before travel.
- Fee waiver available
- Annual fee known
- Forex markup known
- Unlimited domestic lounge access
- Airport lounge list may change
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹2,499 higher than 72 of 112 cards
- Joining fee
- ₹2,499
- Forex markup
- 2% lower than 71 of 111 cards
- Lounge access
- Unlimited domestic lounge
- Reward rate
- Up to 15 pts / ₹100 on Dining
Good fit for
- Good for travel
- Strong lounge access
Still worth it?
Evidence-backed snapshotGood fit if
- Fee waiver applies at ₹2,50,000 annual spend.
- Forex markup is low at 2%.
- Unlimited domestic lounge access
Verify before applying
- Annual fee known
- Fee waiver available
- Forex markup known
- Unlimited domestic lounge access
- Airport lounge list may change
- Monthly interest known
- Welcome benefit timing and claim process.
- Lounge terms to verify: Unlimited domestic lounge access. Verify spend criteria, guest rules, and airport list before relying on it.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward terms to verify: base earn is 3 points per ₹100, but caps, excluded categories, redemption rules, and point value are not fully structured.
Next best move
Compare with BOBCARD Tiara Similar lounge profile Low forex credit cards Cards under the low-forex threshold. Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Unlimited lounge cards Cards with unlimited domestic lounge access. Lounge ranking (verified) Compared on verified lounge access, then annual fee. Best travel credit cards Cards suited for international spend and lounge-heavy travel.
Is this good for lounge access?
Unlimited domestic lounge access. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 2%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
Fee waiver applies at ₹2,50,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹2,50,000yearAnnual fee waiverhighstrong
Lounge access spend gate₹40,000quarterLounge eligibilityreasonablestrong
Milestone spend₹20,000yearMilestone benefittrivialdirectional
Watch outs
Before choosing this card- Reward value is not fully resolved in the current snapshot.
Reward reality
Point value · limits · exclusionsPoint valueNot published by issuer — varies by redemption
Base earn3 points per ₹100
Best verified laneDining15 pts / ₹100
Reward rules
Structured earn rates · eligibility · caps when they bindScopeRateEligibilityLimit
Dining15 pts / ₹1005 RP/₹100 (15 RP/₹100) on dining, travel, international, online and shopping.—
General spend3 pts / ₹100——
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Estimated using base earn (3 pts / ₹100). ~1,500 pts/month. Partner/category bonuses not included.
- Fee waiver achievable at this spend
- Forex cost ~₹1,000 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited — via BOBCARD lounge programme · verified 7 Jul 2026 Condition: ₹40,000 spend in the previous calendar quarter
- International (cardholder)
- Not included International details not available.
Rewards
- Base earn
- 3 pts / ₹100 value depends on redemption
Insurance Cover
- Personal accident cover
- ₹1 crore
- Lost card liability cover
- ₹10 lakh
Fees & charges
Fees
- Monthly interest rate
- 3.25% / month
- Annual fee
- ₹2,499
- Joining fee
- ₹2,499 · verified 7 Jul 2026
- Fee waiver spend
- ₹2,50,000 · verified 7 Jul 2026 Above catalog median waiver (₹2,00,000 vs ₹2,50,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 2%
4 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- Issuer site (verify current terms)
- Operator-verified anchor
- Product tier
- Mid-tier
Fuel Benefits
At the pumpNo verified fuel benefit available.
Annual fee break-even math
When does this card pay for itself ₹2.5L yearly spend to waive the annual fee
Annual fee waiver applies at around ₹2.5L yearly spend.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Annual fee: ₹2,499.
- Forex markup currently listed at 2%.
- Unlimited domestic lounge.