BOBCARD Eterna Credit Card

BOBCARD · ₹2,499 a year · fee waived on ₹2,50,000 of annual spend

A strong all-round rewards card: 3.75% on online, dining and travel.

Base rate: 0.75% as Reward Point.

What the bank says

• 15 reward points per ₹100 on online, dining, travel and international spends
• 3 points per ₹100 on the rest
• Unlimited domestic lounge visits on ₹75,000 of spend a quarter
• Foreign currency markup of 2%
• No joining fee from 1 September 2026

Where it pays more

• 3.75% on online, dining, travel and international spends (15 points per ₹100), with the extra points capped at 5,000 a month

Things that catch people out

• UPI and utility payments earn only the core rate, not the accelerated one.
• The extra points stop at 5,000 a month, reached at about ₹41,700 of spend in these categories.

Joining fee: ₹0. Foreign currency markup: 2%.

Read from BOBCARD’s own page on 2026-09-16.

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