BOB Eterna Credit Card
BOB Eterna: judge the premium benefits against your spending and renewal cost.
By Ash · Issuer source linked 2 October 2026
Check the issuer’s current card terms, availability and eligibility criteria.
check
BOBCARD currently lists 15 Reward Points/₹100 on eligible dining, travel, online and international spending, and 3 points/₹100 on other eligible categories. Accelerated points share a 5,000-point statement-cycle cap; qualifying accelerated spend above it earns the regular rate. Cashback redemption is listed at ₹0.25 per point. Fuel earns no points; select MCCs are excluded. Eligibility and merchant coding affect the outcome. The issuer lists cashback redemption at ₹0.25 per Reward Point. This is a stated redemption route, not a flat return on all spending: accelerated spend is capped, select MCCs are excluded and fuel earns no points.
Cash-value estimates are not enabled for this product. Its merchant, feature or redemption conditions need a separate model; published earn rules and non-cash benefits are shown below. Cap terms: Accelerated rewards may be limited by merchant, transaction or reward period; the earning rules below describe the applicable buckets.
Cardholders who use the benefits listed below and can meet the applicable channel, merchant and spend requirements. Fee-waiver terms: From the second year, the ₹2,499 annual fee is waived after ₹2.5L eligible spend in the preceding card anniversary year..
The annual fee outweighs the benefits you can actually use, or your main spending falls outside the eligible merchants or categories.
Why no automated estimate: The current issuer lists the accelerated categories, point value and shared statement-cycle cap, but generic category inputs cannot identify eligible MCCs or track the shared remaining cap. Lounge access is also spend-gated. Do not present the accelerated rate as a flat return.
BOBCARD currently lists 15 Reward Points/₹100 on eligible dining, travel, online and international spending, and 3 points/₹100 on other eligible categories. Accelerated points share a 5,000-point statement-cycle cap; qualifying accelerated spend above it earns the regular rate. Cashback redemption is listed at ₹0.25 per point. Fuel earns no points; select MCCs are excluded. Eligibility and merchant coding affect the outcome.
The issuer lists cashback redemption at ₹0.25 per Reward Point. This is a stated redemption route, not a flat return on all spending: accelerated spend is capped, select MCCs are excluded and fuel earns no points.
PROS
- Published cashback redemption value of ₹0.25 per point
- Accelerated rewards on eligible dining, travel, online and international spending
CONS
- A shared accelerated cap and excluded MCCs apply
- The renewal-fee waiver and lounge access use separate spend tests
- Fuel transactions earn no points
- Published earn rules: BOBCARD currently lists 15 Reward Points/₹100 on eligible dining, travel, online and international spending, and 3 points/₹100 on other eligible categories. Accelerated points share a 5,000-point statement-cycle cap; qualifying accelerated spend above it earns the regular rate. Cashback redemption is listed at ₹0.25 per point. Fuel earns no points; select MCCs are excluded. Eligibility and merchant coding affect the outcome.
- Redemption choice: BOBCARD currently lists 15 Reward Points/₹100 on eligible dining, travel, online and international spending, and 3 points/₹100 on other eligible categories. Accelerated points share a 5,000-point statement-cycle cap; qualifying accelerated spend above it earns the regular rate. Cashback redemption is listed at ₹0.25 per point. Fuel earns no points; select MCCs are excluded. Eligibility and merchant coding affect the outcome. The issuer lists cashback redemption at ₹0.25 per Reward Point. This is a stated redemption route, not a flat return on all spending: accelerated spend is capped, select MCCs are excluded and fuel earns no points.
- Renewal decision: BOBCARD advertises a ₹0 joining/first-year fee effective 1 September 2026; the standard annual fee is ₹2,499 from year two, before applicable taxes, with a ₹2.5L preceding-anniversary-year spend waiver. Promotional first-year pricing and renewal terms are distinct. From the second year, the ₹2,499 annual fee is waived after ₹2.5L eligible spend in the preceding card anniversary year.. Compare this cost with rewards you can redeem; a fee waiver is not itself a reward.
A shared accelerated cap and excluded MCCs apply. The renewal-fee waiver and lounge access use separate spend tests. Fuel transactions earn no points
How does BOB Eterna earn rewards?
BOBCARD currently lists 15 Reward Points/₹100 on eligible dining, travel, online and international spending, and 3 points/₹100 on other eligible categories. Accelerated points share a 5,000-point statement-cycle cap; qualifying accelerated spend above it earns the regular rate. Cashback redemption is listed at ₹0.25 per point. Fuel earns no points; select MCCs are excluded. Eligibility and merchant coding affect the outcome.
Are points and cashback the same?
BOBCARD currently lists 15 Reward Points/₹100 on eligible dining, travel, online and international spending, and 3 points/₹100 on other eligible categories. Accelerated points share a 5,000-point statement-cycle cap; qualifying accelerated spend above it earns the regular rate. Cashback redemption is listed at ₹0.25 per point. Fuel earns no points; select MCCs are excluded. Eligibility and merchant coding affect the outcome. The issuer lists cashback redemption at ₹0.25 per Reward Point. This is a stated redemption route, not a flat return on all spending: accelerated spend is capped, select MCCs are excluded and fuel earns no points.
What should I compare before renewing?
The published fee, applicable tax, waiver conditions and the benefits you use. From the second year, the ₹2,499 annual fee is waived after ₹2.5L eligible spend in the preceding card anniversary year.. Exclude unused vouchers and promotional offers from your baseline.
BOBCARD advertises a ₹0 joining/first-year fee effective 1 September 2026; the standard annual fee is ₹2,499 from year two, before applicable taxes, with a ₹2.5L preceding-anniversary-year spend waiver. Promotional first-year pricing and renewal terms are distinct. Issuer fee schedule