BOB Eterna
BOB · Premium · Visa
Annual Fee
₹2,499
Fee Waiver
₹2.5L annual spend
Lounge Access
18/year
Best Rate
3.75%
Network
Visa
✅ Data verified March 2026
Reward Rates by Category
🍽️Dining
3.75%
✈️Travel
3.75%
🛒Online Shopping
3.75%
🥦Groceries
0.75%
💡Utilities
0.75%
🎬Entertainment
0.75%
🛍️Shopping
0.75%
⛽Fuel
0%
How Points Work
15 pts/₹100 dining/travel/online (3.75%), 3 pts other (0.75%) · 1pt = ₹0.25 · Fuel surcharge waiver
🚀 Boosted Rates (Partners & SmartBuy)
Dining/travel/online15 pts/₹100 (3.75%)
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
3.75% on dining/travel/online18 lounge visits/yrGolf accessBookMyShow discount
PROS
✅ Excellent 3.75% on dining/travel/online
✅ 18 lounge visits
✅ Golf access
✅ Low fee waiver ₹2.5L
CONS
⚠️ 0.75% on general spends
⚠️ BOB app mediocre
⚠️ Point redemption limited
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