Travel on Points

BOBCARD ETERNA Credit Card

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  • Joining fee

    Lifetime Free

  • Annual fee

    Lifetime Free

  • Best suited for

    Travel, Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    15 Reward Points/₹100 on Online, Travel, Movie, and Dining Spends (~3.75%). 3 Reward Points/₹100 on Other Eligible Spends (~0.75%)

  • Welcome benefits

    10,000 Bonus Reward Points

  • Reward redemption

    Reward Points Are Redeemable as Cashback at a Rate of 1 RP = ₹0.25

Benefits

  • Movie & dining

    Buy One Get One on Movie Tickets Booked Through District App (Max Discount Capped at ₹250/Month)

  • Travel

    Low Forex Markup Charge of 2%

  • Domestic lounge

    Unlimited Domestic Airport Lounge Access on Spends of ₹75,000 in the Previous Quarter

Fees & charges

  • Rewards redemption fee

    Nil

  • Foreign currency markup

    2% of the transacted amount

  • Interest rates

    3.75% Per Month or 45% Per Annum

  • Fuel surcharge waiver

    1% Waiver for Transactions Between ₹400 and ₹5,000 (Maximum Waiver of ₹250 Per Statement Cycle)

  • Cash advance charges

    2.5% or ₹500 (Whichever is Higher)

Product highlights

  • 10,000 reward points of expenditure of Rs. 50,000 within 60 days of card issuance.
  • 20,000 bonus reward points on spending Rs. 5,00,000 in a year.
  • 15 reward points on every Rs. 100 spent on online shopping, travel, dining, and movie tickets.
  • 3 reward points on spends of Rs. 100 on all other categories.
  • 1 Reward Point = Rs. 0.25.
  • Reward Points are redeemable as cashback or for other categories of expenditure on the BOBCARD’s reward redemption portal.

Pros & cons

Pros

  • This card offers both a joining and an annual fee spend-based waiver.

Cons

  • Although this card offers unlimited domestic airport lounge access, it is only available upon spending ₹75,000 or more. Users can opt for other cards with lower spend-based requirements.
  • Earlier, Golf Games and Lessons were offered with the Eterna Credit Card, which has since been removed.

FAQs

Does this card come with zero-cost liability protection?

Yes, you do get zero-cost liability protection, but only after reporting the loss of the card to the bank. Liability for any unauthorized transaction prior to reporting lies solely with the cardmember.

What is the validity of the reward points?

BOBCARD Reward Points are valid for 2 years from the date of accrual and expire thereafter.