Finding a premium credit card without a recurring fee is rare, but the Bank of Baroda Eterna Credit Card changes the game. Currently available as Lifetime Free (LTF) for high earners, it combines unlimited domestic lounge access with a massive 3.75% reward rate on travel and dining. In this review, we break down why the Eterna is a must-have for your 2026 wallet strategy.
BoB Eterna Credit Card – At a Glance
| Feature | Highlight |
| Pricing | Lifetime Free (Income > ₹12 LPA) |
| Best For | Online Shopping & Domestic Travel |
| Reward Rate | 3.75% (Accelerated) |
| Lounge Access | Unlimited Domestic (Primary + Add-on) |
| Key USP | Low 2% Forex Markup |
Get the Eterna card Lifetime Free if your annual income is ₹12 Lakh or above. No joining or annual fees will apply for the life of the card.
Check Eligibility for Eterna LTF
Overview
The Bank of Baroda Eterna Credit Card is designed for users who spend heavily on online shopping, dining, travel and international transactions. Key features include:
- Up to 4.75% effective reward rate with milestone benefits
- Unlimited domestic airport lounge access for primary and add-on cardholders
- 2% forex markup on international transactions
- Complimentary FitPass Pro membership
- Buy One Get One free movie ticket offer on District
Fees and Charges
| Type | Amount / Condition |
|---|---|
| Joining Fee | ₹2499 + GST (LTF for 12 LPA and above salary) |
| Annual Fee | ₹2499 + GST (LTF for 12 LPA and above salary) |
| Joining Fee Waiver | Spend ₹25,000 within first 60 days |
| Welcome Benefit | 10,000 Reward Points (~₹2500) on ₹50,000 spends in first 60 days |
| Annual Fee Waiver | Spend ₹2.5 lakh in a membership year |
| Forex Markup | 2% on international transactions |
| Fuel Surcharge Waiver | 1% on fuel transactions of ₹400–₹5000 (max ₹250/month) |
If you spend ₹ 50,000 in the first 60 days, you effectively recover your joining fee via the welcome reward plus earn enough points to offset 2nd year fee.
Lifetime Free Offer on the Eterna Credit Card
BoB Financial is also running a special promotion for eligible applicants. If your annual income is ₹12 lakh or higher, you qualify to get the Bank of Baroda Eterna Credit Card as Lifetime Free.
During the online application, the system will automatically display the Lifetime Free pricing. This usually appears as ₹0 joining and annual fee on the final application summary screen before submission.
It is strongly recommended to take a screenshot of this screen for your records. Once you open the application screen, scroll through the eligible cards to see Eterna LTF. You can also choose the network in the application journey.
Rewards Structure
| Category | Reward Points | Reward Rate |
|---|---|---|
| Online Shopping, Dining, Travel, International spends | 15 RP per ₹100 | 3.75% |
| After monthly accelerated cap (5000 bonus RP) | 3 RP per ₹100 | 0.75% |
| Other eligible spends | 3 RP per ₹100 | 0.75% |
| Fuel, Select MCCs (As per screenshot below) | No reward points | – |
Tip: Try to spend about ₹41,667 per month on eligible online categories to maximise the accelerated reward cap.
Why BoB Eterna is Best for International Spends
While most premium cards charge a 3.5% forex fee and offer low rewards, the BoB Eterna is specifically engineered for global travelers. It is one of the few cards in India that remains net positive on every international transaction.
The “Profitable” Forex Math
When you spend in a foreign currency, the Eterna card earns accelerated rewards that more than offset the transaction costs:
- Reward Rate (Intl): 3.75% (15 RP per ₹100)
- Forex Markup Fee: 2.00%
- GST on Fee (18% of 2%): 0.36%
- Net Benefit to You: +1.39%
Eterna Strategy
Pay 2% markup but earn 3.75% rewards. Best for high-value spenders who want maximum points.
Scapia Strategy
Pay 0% markup but earn zero rewards. Best for those who prefer clean, fee-free statements.
Important: Spending Categories That Earn Zero Rewards
While the BoB Eterna is a powerhouse for travel and dining, it follows a strict exclusion list. To avoid surprises, note that you will not earn any reward points on the following categories:
- Rent Payments: All transactions under MCC 6513.
- Wallet Loading: Adding money to wallets like Paytm, Mobikwik, or Amazon Pay.
- Insurance & Utilities: Premium payments and monthly utility bills (electricity, water, etc.).
- Education & Government: School fees and tax payments.
- Supermarkets: Daily grocery runs at large retail chains.
- Fuel: No points are earned here, though you do get the 1% surcharge waiver.
Milestone and Welcome Benefits
- Welcome Bonus: 10,000 Reward Points (~₹2500) on spending ₹ 50,000 within first 60 days
- Milestone Bonus: 20,000 Reward Points (~₹5000) on annual spending of ₹ 5 lakh
- If both are achieved, effective reward rate on eligible online categories can reach ≈ 4.75%.
Reward Redemption
- Each reward point is valued at ₹ 0.25.
- Redemption is best via statement credit (cashback).
- Other redemption options include vouchers, merchandise and travel bookings.
- Reward points expire 24 months after earn date.
Lounge Access
One of the most competitive features of the Bank of Baroda Eterna Credit Card is its unlimited domestic airport lounge access for both primary and add-on cardholders. Whether your card is on the Visa, Mastercard, or RuPay network, you can enjoy premium waiting areas across major Indian airports.
Key Lounge Details
- Access Type: Unlimited complimentary domestic lounge visits.
- Eligible Users: Benefits extend to both primary and add-on cardholders.
- Quarterly Spend Criteria: Access is granted based on a minimum spend of ₹40,000 in the preceding calendar quarter.
- New Cardholders: The spend requirement is waived for the calendar quarter in which the card is issued.
Full BoB Eterna Lounge List
The Eterna card provides access to over 60 lounges across India, including premium options like the 080 Lounges in Bengaluru, Encalm Lounges in Delhi and Hyderabad, and Adani Lounges in Mumbai
View Official List: You can download the complete Bank of Baroda Eterna Lounge List (PDF) for the most up-to-date city-wise directory.
Other Key Benefits
| Benefit | Details |
|---|---|
| District Movies | Buy One Get One Free (up to ₹250 per month) |
| Fuel Surcharge Waiver | 1% waiver on fuel transactions between ₹400–₹ 5000 |
| FitPass Pro Membership | 6 months complimentary |
| Low Forex Markup | 2% for foreign currency transactions |
| Add-On Cards | Same benefits including lounge access |
Eligibility and Application
The application process for the Bank of Baroda Eterna Credit Card is 100% digital, designed to be completed from your home or office.
Who Can Apply?
| Criteria | Details |
| Age | 21 to 65 years |
| Minimum Income | ₹12 Lakh per annum (Salaried or Self-Employed) |
| Residency | Indian Citizen |
The Digital Journey: Video KYC (V-KYC)
Unlike traditional applications that require physical document collection, BoB Financial uses a seamless Video KYC process. This is the final step after you submit your online application.
- Digital Identity: You will use your Aadhaar details to complete an e-KYC authentication via an OTP sent to your registered mobile number.
- Live Interaction: A bank executive will join a short video call to verify your original PAN card.
- Paperless Setup: Ensure you are in a well-lit room with a stable internet connection. No physical paperwork or branch visits are required.
Card Maven Tip: Once the V-KYC is successful, the virtual card is often generated within a few working days, followed by the physical card delivery.
| Criteria | Details |
|---|---|
| Age | 21 to 65 years |
| Minimum Income | ₹12 lakh per annum |
| Employment | Salaried or Self-Employed |
| Documents | PAN, Aadhaar, income proof, address proof |
| How to Apply | Online via official Bank of Baroda / BOB Financial website |
The application process is fully digital and includes options for e-sign and video KYC.
Pros and Cons
Pros
- High reward rate on online, travel and dining categories
- Unlimited domestic airport lounge access
- Low forex markup for international transactions
- Attractive welcome and milestone rewards
Cons
- Low reward rate on utilities, rent, and wallet loads
- No international airport lounge access
- Customer support can be inconsistent
- Better flat cashback options for general spending
How to Maximise the Bank of Baroda Eterna Credit Card
- Prioritise spending on online shopping, dining, travel and international transactions.
- Keep monthly spend on eligible online categories within the bonus cap to earn accelerated rewards.
- Hit the annual spending milestone of ₹5 lakh to unlock milestone rewards and the annual fee waiver.
- Ensure quarterly spends of at least ₹40,000 to continue enjoying unlimited domestic lounge access.
Final Verdict
The Bank of Baroda Eterna Credit Card is a good choice for people who spend a lot online or travel often within India. It gives strong rewards on online shopping and travel, unlimited access to domestic airport lounges, and a low forex markup for international transactions.
If most of your spending goes toward rent, fuel, or utility bills, cards like SBI Cashback or PhonePe SBI Select Black may give you better value since they cover more everyday spending.
When used smartly, especially for online and travel expenses, the Eterna can be a very rewarding card. With the current Lifetime Free offer, it is worth adding to your wallet.
Get the Eterna card Lifetime Free if your annual income is ₹12 Lakh or above. No joining or annual fees will apply for the life of the card.
Check Eligibility for Eterna LTFFAQs
Anyone between 21 and 65 years of age with a minimum annual income of ₹12 Lakh can apply. Both salaried and self-employed individuals are eligible.
Bank of Baroda is currently offering the Eterna card as Lifetime Free for applicants earning ₹12 Lakh or more per year. The offer appears automatically during the digital application journey if you qualify.
The standard annual fee is ₹2499 plus GST. This can be waived by spending ₹2.5 Lakh within a membership year for non-LTF customers.
You earn 15 reward points for every ₹100 spent on online shopping, dining, travel, and international purchases (up to the monthly bonus cap). Other eligible spends earn 3 points per ₹100.
Each reward point is valued at ₹0.25 (25 paise) when redeemed for statement credit (cashback).
Yes, it provides unlimited complimentary access to domestic airport lounges for both primary and add-on cardholders, subject to a ₹40,000 spend in the previous calendar quarter.
Redemption is simplest via the BoBCARD mobile app, where you can convert points directly into statement credit as cashback.
Bank of Baroda Eterna Credit Card
Will eterna give 3.75% cashback for buying gold online or is it excluded?
Gold is not in exclusion/restricted MCCs. So, you should get 3.75%.
Will transaction on excluded category qualify for Milestone benfits
Yes
What is is rewards you get on rent payment from BOB Eterna card? Need updated info.
Will EMI transactions be counted for milestone benefits?
Also, if I have a high ITR, do you think it will help to mail them asking to convert the card to LTF ?
Yes, the EMI transactions that fall within the membership year should still count for milestone benefits. But, better to reconfirm this with customer care.
Right now, there is no option to get it LTF based on ITR.
How do I specifically apply for the MasterCard variant of Eterna?
Not sure if they do that now. All new issuances are on Visa Infinite. But, you can try by emailing their customer care.
Do they issue Eterna LTF ?
I have BoB Premium which is issued LTF, if I ask for conversion to Eterna, will that be LTF as well ?
No, Eterna will be chargeable when you upgrade.
For getting Eterna as LTF, you need to have either a Rs 30 Lakhs ITR or be a BoB Radiance customer.
I got eterna Ltf. condition is You need Bob account, Itr of 12L+ and need to go to branch, do the tedious procedure by their lazy staff and get it as LTF.
You do have to wait for almost a month with multiple calls to their staff after which you will get it, but have to visit branch again to activate it.
Will the accelerated rewards at 3.75% be applicable for rent or property payments done online? Or is it applicable strictly for online shopping?
Accelerated rewards work fine for rent/property payments till now as reported by many readers.
That’s great!
do we get reward point on wallet load like paytm wallet load using Eterna CC ?
Do the add on card holders also enjoy unlimited domestic lounge access on eterna ?
Yes, they do! 🙂
So can i use the lounge access together on the same day same time with my family member/s if they have an add on card?
if yes how many add on members can avail this together??
Regarding the support you rightly said its almost non-existent.
Yes, add on cards have a different number.
We can get up to 3 add-on cards.
I mean if we have 2 addon
And we go to use the lounge, all 3 members can get acces with their cards?
Yes, we do
Hey, if possible could you let me know the validity of reward points? Welcome booklet mentioned “eternal (no expiry)”, customer support saying “financial year end”.
Don’t think it expires at end of FY. Customer support sometimes does not give the right info.
Anyways, better to accumulate as and when you have the points. It is cashback and there is no point of accumulating those.
Good to know. I asked them to re-check the same and still waiting for their reply.
This is mentioned in product official webpage
“Shop for more luxuries in life with Lifelong validity of reward points on your
Bank of Baroda ETERNA Credit Card”, anyway will confirm once I got the reply. Thanks
Can we switch to Eterna from premier ?
I received the bob premier card today. I wanted to know i can get Eterna instead of Premier.
I am not able to apply for eterna as I already hold premier
Is there way i can get eterna now , i am eligible as per their income requirement
also on side note do we get 2.5% on wallet load or just 0.5% on premier ?
Try emailing conversions@bobfinancial.com
one more thing
Also can you please confirm if all the addon cards have a seperate limit of 5000 RP /month for 5x or it is combined to 5000/month across all cards (primary+ add on ) ?
Add-on cards do not have a separate limit for accelerated rewards.
I want to ask a question…. The 5x points… Those are credited in the same month or next month…. I did transaction on oyo… Which comes under travel… But only got normal points….
Yes, they are mostly posted only in the next month.