Eligible spend
3 points per ₹100 on eligible spend
BOBCARD VISA
Eterna
Should you get this?
Strong fit
Why this card
- Unlimited lounge access is a clear travel strength.
- Forex markup is low at 2%.
- 15 points/₹100 on eligible dining, international, online, shopping, and travel
Trade-off
The annual fee (₹2,499) is waived only when eligible annual spend reaches ₹2,50,000.
Annual fee ₹2,499 per year
Rewards 3 pts / ₹100 base
Lounge access ∞ unlimited domestic · ₹75,000 spend in the previous calendar quarter
Forex markup 2% low
Compare with BOBCARD Tiara →
Similar lounge profile
What it costs to get, and to keep
Joining vs renewalFirst year
₹2,499joining fee
From year 2
₹2,499renewal fee
Waived above ₹2,50,000 eligible annual spend
Welcome offer
Joining-fee waiver and bonus points on first-60-day spend
Joining fee waiver · Bonus reward points
Qualification and fulfilment conditions apply
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend3 pts / ₹100Credited as reward points—
Dining15 pts / ₹100Credited as reward points5,000 points per statement cycle — shared across Dining, International spend, Online shopping, Shopping & Travel; then 3 pts / ₹100 base
International spend15 pts / ₹100Credited as reward pointsShared across Dining, International spend, Online shopping, Shopping & Travel
Online shopping15 pts / ₹100Credited as reward points · online onlyShared across Dining, International spend, Online shopping, Shopping & Travel
Show all 6 earning rules (2 more)
Shopping15 pts / ₹100Credited as reward pointsShared across Dining, International spend, Online shopping, Shopping & Travel
Travel15 pts / ₹100Credited as reward pointsShared across Dining, International spend, Online shopping, Shopping & Travel
One shared ceiling applies across 5 of these categories — they draw from the same cap pool.
Redemption value
What a Reward Point is worth
- Cash redemption value₹0.25 per Reward Point
How to avoid the annual fee
Spend threshold for waiver ₹2.5L or more yearly eligible spend to waive the annual fee
Above ₹2.5L eligible annual spend waives the fee
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getCaps
- Dining5,000 points per statement cycle — shared across Dining, International spend, Online shopping, Shopping & Travel
Why?
then 3 pts / ₹100 base
Realisation
Credited as reward points
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹2,50,000yearAnnual fee waiver
Domestic lounge spend gate₹75,000quarterLounge eligibility
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (3 pts / ₹100). Up to ~1,500 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- Worth ~₹380 at the conservative redemption floor
- 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 31 Jul 2026 Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter) · Unlimited domestic lounge. Prior gate was ₹40,000 until 14 July 2026.
- International (cardholder)
- No international lounge entitlement documented by the issuer Absence of an international claim is not proof of exclusion. Confirm with the issuer or network programme.
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- Issuer site (verified manually)
- Operator-verified anchor
Rewards
- Base earn
- 3 points per ₹100 value depends on redemption
- Effective return (honest floor)
- ~0.75% base (conservative redemption) Conservative redemption floor; best documented path is not ranked on.
- Cash redemption value
- ₹0.25 per Reward Point Issuer headline channel — full channel grid in Redemption value.
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹2,499
- Joining fee
- ₹2,499 · verified 31 Jul 2026
- Fee waiver spend
- ₹2,50,000 or more · verified 31 Jul 2026 Annual fee waived on eligible anniversary-year spend of ₹2,50,000 or more.
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 2%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- Operator-verified anchor
- Product tier
- Mid-tier
Travel & perks
Fuel Benefits
At the pump- Fuel surcharge waived on transactions ₹400–₹5,000.
- Maximum waiver ₹250 per month.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Statement-cycle cap: 5,000 points per statement cycle — shared across Dining, International spend, Online shopping, Shopping & Travel.
- After the shared cap is reached, further spends earn the base rate.
Latest update
- Annual fee: ₹2,499.
- Forex markup currently listed at 2%.
- Unlimited domestic lounge · ₹75,000 spend in the previous calendar quarter.
Common questions
From verified card factsIs 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 above ₹2,50,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
Joining-fee waiver and bonus points on first-60-day spend. Included items: Joining fee waiver — Joining fee waived on ₹25,000 spend within first 60 days, Bonus reward points (10,000 pts) — 10,000 bonus reward points on ₹50,000 spend within first 60 days. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- Forex markup bands
0% vs 3.5% — which cards publish what - How reward rate works
Pts / ₹100 without the marketing fog - Billing cycle
Statement date vs due date, clearly