# BOBCARD Eterna Credit Card

Bank of Baroda (BOBCARD) · Mastercard. ₹2,499 fee · 2% forex · 3 RP / ₹100 all other eligible spends.

verified · checked 16 July 2026

## How it earns (6)

- 3 RP / ₹100 all other eligible spends · verified · checked 17 June 2026
- 15 RP / ₹100 dining (shared cap 5,000 RP/statement) · cap 5,000 points per statement cycle · verified · checked 17 June 2026
- 15 RP / ₹100 international (shared cap 5,000 RP/statement) · cap 5,000 points per statement cycle · international only · verified · checked 17 June 2026
- 15 RP / ₹100 movies (shared cap 5,000 RP/statement) · cap 5,000 points per statement cycle · verified · checked 17 June 2026
- 15 RP / ₹100 online shopping (shared cap 5,000 RP/statement) · cap 5,000 points per statement cycle · verified · checked 17 June 2026
- 15 RP / ₹100 travel (airlines / hotels / OTA) (shared cap 5,000 RP/statement) · cap 5,000 points per statement cycle · verified · checked 17 June 2026

## On gift vouchers

- ₹75 back on a ₹10,000 voucher bought direct. · 3 RP / ₹100 all other eligible spends
- Vouchers for Blinkit, Burger King India, NoBroker Pay (rent) and 13 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No RP on wallet loads
- No RP: rent, wallet, gaming, large-format grocery, fast food, EMI, insurance, cash

## Milestones (2)

- 10,000 RP (₹2,500) on ₹50,000 spend within 60 days of card issuance · ₹2,500 at ₹50,000 spend per month · verified · checked 17 June 2026
- 20,000 RP (₹5,000) @ ₹5L annual spend · ₹5,000 at ₹5,00,000 spend per card year · verified · checked 17 June 2026

## Lounges (1)

- Unlimited domestic visits at 60 or more lounges in India, after ₹75,000 spent the previous calendar quarter (from 15 Jul 2026; ₹40,000 before). New cardholders are exempt for the quarter the card is issued. · BOBCARD domestic lounge network · domestic · unlimited · checked 20 October 2026

## Statuses it opens (1)

- GHA Discovery GHA Discovery Platinum · enrolment needed · ✓ official · checked 19 July 2026

## Comes with (2)

- 12-month FITPASS PRO membership, welcome benefit (BOBCARD states ₹48,000) · ₹15,000
- Buy 1 Get 1 on movie tickets via District app (max ₹250/month)

## Fees

- Annual fee: ₹2,499 + GST
  Waived at ₹2,50,000 spend per card year
- Forex markup: 2%
- DCC markup: Not published
- Earns: BOBCARD Reward Points · ₹1 a point at baseline

## Dated changes (5)

- Lounge gating · 1 October 2026: BOBCARD Eterna/Tiara lounge gate rises to ₹75K/quarter (https://getbrief.cards/changes#tiara-lounge-2026)
- Devaluation · 25 August 2026: BOBCARD accidental-death cover ends for existing holders on 25 August (https://getbrief.cards/changes#bob-insurance-end-2026)
- Devaluation · 15 July 2026: BOBCARD raises revolving interest to 3.75% a month on Eterna and Tiara (https://getbrief.cards/changes#bob-interest-2026-07)
- Lounge gating · 15 July 2026: BOBCARD nearly doubles the spend needed for domestic lounge access (https://getbrief.cards/changes#bob-lounge-gate-2026-10)
- Improvement · 12 December 2023: Mastercard World-tier cards fast-track to GHA DISCOVERY status (to 31 Dec 2026) (https://getbrief.cards/changes#gha-mc-fasttrack-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/bob-eterna