BOBCARD Eterna

BOBCARD (Bank of Baroda) · Open to apply

A premium rewards card: 3 points per ₹100 on most spends and 15 points per ₹100 on online, international, dining (MCC 5812) and travel-agency spends up to 5,000 points a statement, unlimited domestic lounge visits if you spent ₹75,000 last quarter, and points that never expire. A long list of merchant categories earns nothing.

Annual fee
₹2,499 + GST a year
Joining fee
₹2,499 + GST
Fee waiver
Annual fee waived on ₹2,50,000 spend per card year
Base rate
3 points per ₹100 on core spends: 3 BOBCARD Reward Points per ₹100 (about 0.75% at cash value)
Lounges
Domestic: unlimited visits a calendar quarter after ₹75,000 spend
Forex markup
2%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Extra 30 points per ₹100 on hotels booked on BOBCARD Smartdeal: 30 BOBCARD Reward Points per ₹100 on top of the base rate (about 7.5% at cash value)
  • 5X points on online spends: 15 BOBCARD Reward Points per ₹100 (about 3.75% at cash value)
  • 5X points on international spends: 15 BOBCARD Reward Points per ₹100 (about 3.75% at cash value)
  • 5X points on dining (MCC 5812): 15 BOBCARD Reward Points per ₹100 (about 3.75% at cash value)
  • Extra 12 points per ₹100 on flights booked on BOBCARD Smartdeal: 12 BOBCARD Reward Points per ₹100 on top of the base rate (about 3% at cash value)

Earns nothing on

  • No points on fuel (MCCs 5172, 5541, 5542, 5983)
  • No points on rent and property management (MCCs 6513, 7349)
  • No points on government payments (MCCs 9211, 9222, 9311, 9399, 9402, 9405)
  • No points on education (MCCs 8211, 8220, 8241, 8244, 8249, 8299)
  • No points on wallet loads (MCCs 6539 to 6543)
  • No points on insurance (MCCs 5960, 6300)
  • No points at supermarkets, convenience and variety stores (MCCs 5261, 5331, 5411, 5499)
  • No points on toll and road fees (MCC 4784)
  • No points on railway bookings (MCC 4112)
  • No points on fast food (MCC 5814), taken to include Swiggy and Zomato

Where the sources disagree

  • Joining fee: The KFS and MITC list a joining fee of ₹2,499 waived on ₹25,000 in the first 60 days; the official product page (search excerpt) shows ₹0 joining and first-year fee as a limited-period offer from 1 Sep 2026 with no end date. We enter the KFS terms and mention the offer in the fee note.

Terms the calculator does not value

  • Third-party listings show RuPay and Mastercard variants of Eterna; BOBCARD's own documents do not name them, so only Visa is modelled. UPI spends earn no accelerated points, which would matter on a RuPay variant.
  • Food delivery apps (Swiggy, Zomato) are assumed to be fast food, MCC 5814, and so excluded from all points. If a merchant is coded 5812 it earns 5X instead.
  • 5X also applies to travel agencies and tour operators (MCC 4722) when the spend is not flagged online. No calculator category isolates that MCC; online bookings earn 5X through the online flag.
  • Other MCCs that earn nothing and have no calculator category: agriculture, contractors, the transportation MCCs 4111, 4131 and 4789, personal and civic services (7211, 7230, 7276, 7349, 8111, 8641), hospitals (8011, 8062, our health category also holds pharmacies and is not excluded), and charity (8398, 8661).
  • Which spends count toward the anniversary-year fee waiver and the lounge spend test is not stated beyond "net eligible spend"; the calculator counts all spend.

Sources

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