The BOB Eterna Credit Card is designed for people who want premium lifestyle and travel benefits along with attractive rewards on everyday spending. From unlimited domestic airport lounge access to movie offers, international spending benefits, and bonus reward points, the card can be an interesting option for frequent travelers and high-spending customers.
One of its biggest attractions is the lifetime-free offer, under which the joining fee and annual renewal fee are waived for a limited period. The card also offers a low 2% forex markup fee, making it useful for international transactions.
In this complete BOB Eterna Credit Card review for 2026, we will cover its benefits, BOB Eterna credit card lounge access list, spend criteria, fees, eligibility, exclusions, rewards, RuPay benefits, and other important details.
Note: Credit card benefits, fees, lounge rules, and eligibility conditions can change. Always verify the latest terms and conditions with the issuer before applying.
BOB Eterna Credit Card – Quick Overview
| Feature | Details |
|---|---|
| Card Name | BOBCARD Eterna Credit Card |
| Card Type | Premium Lifestyle & Travel Credit Card |
| Joining Fee | Nil under the stated lifetime-free offer |
| Annual Fee | Nil under the stated lifetime-free offer |
| Domestic Lounge Access | Unlimited complimentary access, subject to spend criteria |
| International Lounge Access | Check the latest issuer terms before applying |
| Forex Markup | 2% |
| Movie Benefit | Buy 1 Get 1 free movie ticket every month via District app |
| Reward Points | Up to 15 points per ₹100 on selected categories |
| Reward Point Value | 1 point = ₹0.25 |
| Welcome Bonus | 10,000 bonus reward points on ₹50,000 spend within first 60 days |
| Annual Spend Bonus | 20,000 bonus reward points on ₹5 lakh annual spending |
| Eligibility Age | 21–65 years |
| Minimum Income | ₹12 lakh per annum, as provided |
| Suggested Credit Score | 650+ |
| Employment | Salaried and self-employed applicants |
BOB Eterna Credit Card Benefits
The BOB Eterna Credit Card comes with a combination of travel, lifestyle, rewards, and international transaction benefits.
1. Lifetime-Free Credit Card Offer
One of the biggest reasons to consider the card is the stated lifetime-free offer for a limited period.
Under the offer information provided:
- Joining Fee: ₹0
- Annual/Renewal Fee: ₹0
This can make the card attractive for users who want premium credit card benefits without paying a recurring annual fee.
However, applicants should check the final application terms to confirm that the lifetime-free offer is applicable to their specific card application.
2. Unlimited Domestic Airport Lounge Access
The BOBCARD Eterna is positioned as a premium travel card offering unlimited complimentary domestic airport lounge access, subject to meeting the applicable spending criteria.
This benefit can be valuable for frequent domestic travelers who regularly use airport lounges for a more comfortable travel experience.
BOB Eterna Credit Card Lounge Access Spend Criteria
According to the information provided, lounge access is available after meeting the applicable spend criteria.
The exact minimum spending requirement, eligible transaction period, and number of complimentary visits may be subject to the latest card terms and network rules.
Therefore, before relying on unlimited lounge access, cardholders should check the latest official lounge-access terms.
BOB Eterna Credit Card Lounge Access List
The exact BOB Eterna credit card lounge access list can change based on airport lounge partnerships and card network arrangements.
If you are searching for a BoB Eterna credit card lounge access list PDF, it is best to download the latest list or lounge program document available from the card issuer or the relevant card network.
Important: Lounge access availability may differ between domestic and international lounges, and individual lounges can also change their participation status.
3. International Lounge Access
The keyword BOB Eterna credit card International lounge access is an important consideration for frequent international travelers.
While the card provides strong domestic lounge benefits according to the information supplied, customers should not automatically assume that the same unlimited benefit applies to international airport lounges.
Before traveling overseas, check:
- Whether international lounge access is included
- The number of complimentary visits
- Applicable spend criteria
- Guest charges
- Airport and lounge eligibility
- Any network-specific conditions
This is particularly important if international lounge access is one of your primary reasons for applying for the card.
4. Earn Up to 15 Reward Points per ₹100
The BOBCARD Eterna offers accelerated rewards on selected spending categories.
According to the provided offer information, cardholders can earn up to 15 reward points per ₹100 spent on categories such as:
- Dining
- Travel
- Online shopping
- International spends
The rewards are subject to a maximum of 5,000 reward points per statement cycle.
The stated redemption value is:
1 Reward Point = ₹0.25
Therefore, 5,000 points would have a stated value of ₹1,250, subject to applicable redemption rules.
Cardholders should always check the latest reward program terms because reward exclusions, eligible merchant categories, and reward caps may apply.
5. 10,000 Bonus Reward Points
New cardholders can potentially earn 10,000 bonus reward points by spending ₹50,000 within the first 60 days.
At the stated value of ₹0.25 per point, 10,000 points could represent a value of:
10,000 × ₹0.25 = ₹2,500
The bonus is subject to the applicable terms and conditions.
6. 20,000 Bonus Reward Points on Annual Spending
The card also offers an additional 20,000 bonus reward points when the cardholder achieves annual spending of ₹5 lakh, according to the information provided.
At ₹0.25 per point, the stated value would be:
20,000 × ₹0.25 = ₹5,000
This benefit may be more suitable for high-spending customers who can naturally achieve the annual spending milestone.
7. Buy 1 Get 1 Free Movie Ticket
Movie lovers can enjoy a Buy 1 Get 1 free movie ticket every month through the District app, according to the offer information provided.
This can add value for customers who regularly watch movies.
However, the offer may have conditions such as:
- Maximum discount limits
- Minimum ticket value
- Monthly usage restrictions
- Participating cinemas
- App-specific terms
Always check the current District offer terms before booking.
8. Low 2% Forex Markup
For international transactions, the card offers a 2% forex markup fee, based on the provided information.
Compared with many traditional credit cards that charge higher foreign currency markup fees, a 2% markup can be useful for:
- International travel
- Foreign hotel bookings
- Overseas shopping
- International online transactions
However, other charges, taxes, or dynamic currency conversion fees may still apply.
BOB Eterna Credit Card Benefits PDF
If you are searching for a BOB Eterna credit card benefits PDF, look for the latest official product brochure, card variant document, schedule of charges, and terms and conditions.
The PDF should ideally confirm:
- Reward points
- Lounge access
- Spend criteria
- Forex charges
- Movie benefits
- Reward exclusions
- Annual spending milestones
- Card fees
Because credit card features can change, an older PDF may not reflect the current benefits.
BOB Eterna RuPay Credit Card Benefits
If a RuPay variant of the BOB Eterna Credit Card is available for your application, the exact benefits may depend on the specific card variant and network.
Potential RuPay-related advantages may include:
- UPI-based credit card transactions, where supported
- Credit card payments through eligible UPI platforms
- Rewards according to the card’s applicable reward structure
- Domestic acceptance through the RuPay network
However, customers should confirm whether the specific Eterna variant being offered is on RuPay, Visa, or another network, as benefits and features can differ.
BOB Eterna Credit Card Fees & Charges
According to the information provided, the card is offered as a Lifetime Free Credit Card for a limited period.
| Fee | Charge |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Forex Markup | 2% |
| Other Charges | As per applicable schedule of charges |
Before applying, check the latest schedule of charges for:
- Cash advance fee
- Late payment charges
- Finance charges
- Over-limit fee
- Foreign currency charges
- EMI processing fee
- Reward redemption charges
A lifetime-free offer generally refers to the joining and annual fees and does not mean that every possible card charge is waived.
BOB Eterna Credit Card Eligibility
Based on the provided eligibility information, applicants should meet the following requirements:
Age
Applicants should generally be between 21 and 65 years.
Employment
Both salaried and self-employed individuals can apply, subject to the issuer’s approval criteria.
Minimum Income
The stated minimum annual income is ₹12 lakh.
Credit Score
A credit score of 650+ is suggested in the provided information. However, approval is not guaranteed based only on your credit score.
The bank may also consider:
- Existing loans
- Credit utilization
- Repayment history
- Existing credit cards
- Income stability
- Employment profile
- Overall creditworthiness
Documents Required
Applicants may need to submit:
Identity Proof
- PAN Card
- Form 60, where applicable
Address Proof
- Aadhaar Card
- Passport
- Utility bills
- Other accepted address documents
Income Proof
- Salary slips
- Bank statements
- Income documents for self-employed applicants
The exact document requirements may vary depending on the applicant’s profile.
BOB Eterna Credit Card Exclusions
Understanding exclusions is important before applying for any premium credit card.
Depending on the latest terms, reward points or milestone benefits may exclude certain transactions, such as:
- Cash withdrawals
- Fees and charges
- Interest payments
- Balance transfers
- EMI-related transactions
- Wallet loading
- Certain government transactions
- Fuel transactions, where applicable
- Reversed or refunded transactions
The exact exclusions can differ by benefit. Therefore, cardholders should carefully review the latest BOB Eterna credit card exclusions before planning spending to achieve rewards or milestones.
BOB Eterna Credit Card – Pros & Cons
| Pros | Cons |
|---|---|
| Lifetime-free offer with ₹0 joining and annual fee, subject to offer terms | Lifetime-free availability may be limited or subject to specific application conditions |
| Unlimited domestic lounge access according to the stated benefit, subject to spend criteria | Lounge access is conditional on meeting applicable spending requirements |
| Up to 15 reward points per ₹100 on selected categories | Reward earnings are capped at 5,000 points per statement cycle |
| 10,000 bonus points on ₹50,000 spending within the first 60 days | Welcome bonus requires meeting the spending milestone within a limited period |
| 20,000 bonus points on ₹5 lakh annual spending | ₹5 lakh annual spending may be difficult for low-spending users |
| 2% forex markup can benefit international travelers | 2% forex markup is not the lowest available in the market |
| Buy 1 Get 1 movie offer every month through District | Movie offer is subject to applicable terms and participating bookings |
| Suitable for travel, dining, online shopping, and international spending | Reward exclusions and merchant-category rules may apply |
| Available to salaried and self-employed applicants | Meeting eligibility criteria does not guarantee approval |
| Premium lifestyle and travel-focused benefits | International lounge access should be separately verified before applying |
Is BOB Eterna Credit Card Worth It?
The BOB Eterna Credit Card can be worth considering if you are looking for a premium credit card with domestic airport lounge access, reward points, movie benefits, and a low forex markup.
The lifetime-free offer makes the card particularly attractive because there is no joining or annual fee under the stated offer. Frequent travelers may also find the lounge benefit useful, while high spenders can potentially earn additional bonus reward points.
However, the card may not be equally suitable for everyone. If you rarely travel, do not use airport lounges, or cannot meet the required spending milestones, you may not get the full value from the card.
Overall, the card is potentially a good fit for high-income users, frequent domestic travelers, and customers who spend regularly on dining, travel, online shopping, and international transactions.
Frequently Asked Questions (FAQ)
1. Is BOB Eterna Credit Card lifetime free?
Yes. According to the offer information provided, the BOB Eterna Credit Card is available as a Lifetime Free Credit Card, with no joining or annual fee for a limited period. Applicants should verify the lifetime-free offer before completing their application.
2. What are the main BOB Eterna Credit Card benefits?
The key benefits include unlimited domestic airport lounge access subject to spend criteria, up to 15 reward points per ₹100 on selected categories, a monthly Buy 1 Get 1 movie offer, 2% forex markup, and bonus reward points on eligible spending milestones.
3. What is the BOB Eterna Credit Card lounge access spend criteria?
The card provides complimentary domestic airport lounge access after meeting the applicable spending criteria. The exact spending requirement and qualifying period should be confirmed from the latest card terms before using the benefit.
4. Does BOB Eterna Credit Card offer international lounge access?
The card’s stated benefit focuses on unlimited complimentary domestic airport lounge access. International lounge access, if available under a specific variant or network program, should be verified separately from the latest official terms.
5. Where can I find the BOB Eterna Credit Card lounge access list PDF?
You should check the latest official lounge list or card-network document associated with your BOBCARD Eterna variant. Lounge partnerships can change, so using an updated PDF is recommended.
6. How many reward points can I earn with BOB Eterna Credit Card?
According to the provided information, cardholders can earn up to 15 reward points per ₹100 on eligible dining, travel, online shopping, and international spending, subject to a maximum of 5,000 points per statement cycle.
7. What is the value of BOB Eterna reward points?
According to the provided information, 1 reward point is valued at ₹0.25. The actual value may depend on the available redemption options and applicable terms.
8. What is the BOB Eterna Credit Card forex markup?
The stated forex markup fee is 2% on international transactions. Additional taxes or other applicable charges may apply.
9. What is the BOB Eterna Credit Card welcome bonus?
Eligible new cardholders can receive 10,000 bonus reward points after spending ₹50,000 within the first 60 days, subject to the applicable terms and conditions.
10. What is the annual spending bonus?
Cardholders can earn 20,000 bonus reward points after achieving annual spending of ₹5 lakh, according to the provided offer details.
11. Does BOB Eterna Credit Card have a RuPay variant?
If a RuPay variant is offered, the benefits depend on the specific card variant and network. Customers should confirm the network and applicable RuPay benefits at the time of application.
12. What are the BOB Eterna Credit Card exclusions?
Depending on the benefit, transactions such as cash withdrawals, fees, interest, balance transfers, reversals, refunds, EMI transactions, and other excluded categories may not qualify for reward points or milestone benefits. Always check the latest exclusions before spending.
13. Who should apply for the BOB Eterna Credit Card?
The card may be suitable for frequent travelers, high-spending customers, and people who spend regularly on travel, dining, online shopping, and international transactions.
14. What is the minimum income required for BOB Eterna Credit Card?
The provided eligibility information mentions a minimum annual income of ₹12 lakh. The issuer may consider other factors before approving an application.
15. What credit score is required for BOB Eterna Credit Card?
The provided information suggests a credit score of 650 or above. However, credit score alone does not guarantee approval, as the issuer evaluates the applicant’s overall credit profile.
16. Is BOB Eterna Credit Card better for travel?
It can be a good option for travelers because of its domestic airport lounge benefit and 2% forex markup. However, frequent international travelers should verify international lounge access and compare the card with dedicated travel credit cards before applying.