BOBCARD ETERNA
BOBCARD Limited
A premium travel and dining card with genuinely unlimited lounge access once you clear the quarterly spend bar.
₹2,499
Joining fee
₹2,499, waived at ₹2.5L spend
Annual fee
Joining fee waived on spending Rs 25,000 within 60 days of card issuance; annual fee waived on spending Rs 2,50,000 in the anniversary year (official, exact).
2%
Forex markup
4.4 / 5
Rating
Eligibility
Estimated minimum income: ₹1,00,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 750+
Estimated — not officially confirmed by the bank.
Age: 18–65
Minimum annual income Rs 12 lakh, salaried or self-employed (official); age 21-65 primary (official), aggregator further splits as salaried 21-60 and self-employed 24-65, add-on cardholders 18+. Applicants below Rs 12 lakh income 'may still be considered' with a strong existing banking relationship, at the bank's discretion (aggregator-sourced).
Lounge access
Unlimited domestic visits per year
₹40k prior-quarter spend required.
Key features
- 15 pts/₹100 on travel/dining/online/international spends
- Unlimited domestic lounge access (₹40k prior-quarter spend)
- BOGO movies up to ₹250/month
Reward details
3 points per Rs 100 on all other categories
- 15 points per Rs 100 (5X accelerated) on Dining & travel — 5,000 points/month; spend beyond the cap earns the base rate
Redemption
Reward points valued at Rs 0.25/point (consistent with other BOBCARD products; aggregator-sourced for this exact rate on Eterna).
Excluded from rewards: select MCCs (not fully itemized), fuel transactions
- Fuel surcharge waiver 1%, on transactions between Rs 400-Rs 5,000, capped at Rs 250/statement cycle.
- Access to 'prominent Indian golf courses,' variant-specific details not captured in this fetch.
- Bundled movie-ticket savings cited at up to Rs 3,000/year (aggregator).
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Up to 10X extra rewards on travel spends and unlimited domestic lounge access called out positively; bundled movie-ticket savings up to Rs 3,000/year; 2% forex markup called competitive for international spend — Paisabazaar
Complaints
- Low reward redemption value (Rs 0.25/point); monthly cap of 5,000 points on the 5X tier after which the base rate applies; absence of complimentary international lounge access seen as a gap versus competing premium cards — Paisabazaar
Sources
- Official — fees, eligibility, forex, lounge, rewards
- Aggregator — eligibility, redemption, sentiment