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BOBCARD Eterna Credit Card Review
Best RuPay premium card right now — if you can hit ₹40K/quarter spend. Unbeatable at this fee level. Best RuPay premium card right now — if you can hit ₹40K/quarter spend. Unbeatable at this fee level.
5
/5
Card24 Score
test1 5
test2 5
test3 5
Last reviewed May 2026 · Card24.ai editorial team
Annual fee (LTO)
25,000
Reward rate
3.75%
Forex markup
2%
Cashback
5x
Card24.ai Verdict
What we like
- 5X on UPI — unique in this segment
- ₹48K FITPASS Pro welcome gift
- 2% forex — low for the fee tier
- Zero fee — limited period offer
Watch out for
- Lounge needs ₹40K/quarter spend
- 5X capped at 5,000 RP/category
- FITPASS expires in 60 days
- Limited redemption partners
*Please note that 5X Rewards are capped at 5,000 Reward Points on the mentioned categories per statement cycle. Further spends in that statement cycle on these categories will earn Reward Points at the regular earn rate. Reward program is not applicable on select MCCs and fuel. Visit bobcard.co.in/most-important-terms-and-condition to know Reward Points Important Terms and Conditions.
Card24.ai Achievers
Is BOBCARD Eterna Worth it in 2026?
The short answer is yes — but with a specific caveat that changes everything. At zero annual fee (the current limited-time offer), the Eterna's value proposition is exceptional. Even at the standard ₹2,499 fee, the numbers work out.
Here's the math: the FITPASS Pro membership alone is worth ₹48,000 if you use it. The welcome bonus of 10,000 reward points on ₹50,000 spend in the first 60 days is worth ₹2,500 in cashback. Monthly BOGO movie tickets add up to ₹3,000 a year. Add in the effective 3.75% return on dining, travel and shopping — and a cardholder spending ₹50,000/month is looking at ₹22,000+ in annual rewards value.
The one scenario where it isn't worth it: if lounge access is your primary reason for getting this card and you can't consistently hit ₹40,000 per quarter. In that case, consider the SBI Card Elite or Axis Bank Select, both of which offer lounge access without a spend condition at comparable fee points.
Here's the math: the FITPASS Pro membership alone is worth ₹48,000 if you use it. The welcome bonus of 10,000 reward points on ₹50,000 spend in the first 60 days is worth ₹2,500 in cashback. Monthly BOGO movie tickets add up to ₹3,000 a year. Add in the effective 3.75% return on dining, travel and shopping — and a cardholder spending ₹50,000/month is looking at ₹22,000+ in annual rewards value.
The one scenario where it isn't worth it: if lounge access is your primary reason for getting this card and you can't consistently hit ₹40,000 per quarter. In that case, consider the SBI Card Elite or Axis Bank Select, both of which offer lounge access without a spend condition at comparable fee points.
The Eterna earns more on a ₹500 grocery order via UPI than most premium Visa cards earn on a ₹10,000 dining bill.
Benefits Breakdown
How to get the most out of BOBCARD Eterna
Activate FITPASS immediately. The ₹48,000 FITPASS Pro membership expires 60 days from card issuance — not 60 days from activation. The clock starts the day your card is issued, not the day you first use it.
Stack your UPI spends through this card. Link the Eterna to your Google Pay, PhonePe, or Paytm and use it for all daily UPI transactions. Most Indians scan UPI 10–15 times a day. At 3 RP per ₹100, even grocery and utility payments start adding up.
Hit ₹40,000/quarter to unlock lounges. That's ₹13,333/month — very achievable if this is your primary card. The easiest way: put all recurring bills, subscriptions, and online shopping on this card from day one.
Use the SmartDeal portal for flights and hotels. Booking through BOBCARD's SmartDeal portal earns 10X rewards on hotels (30 RP/₹100) instead of 5X. The price difference with external portals is usually negligible.
Stack your UPI spends through this card. Link the Eterna to your Google Pay, PhonePe, or Paytm and use it for all daily UPI transactions. Most Indians scan UPI 10–15 times a day. At 3 RP per ₹100, even grocery and utility payments start adding up.
Hit ₹40,000/quarter to unlock lounges. That's ₹13,333/month — very achievable if this is your primary card. The easiest way: put all recurring bills, subscriptions, and online shopping on this card from day one.
Use the SmartDeal portal for flights and hotels. Booking through BOBCARD's SmartDeal portal earns 10X rewards on hotels (30 RP/₹100) instead of 5X. The price difference with external portals is usually negligible.
Fees & Charges
| Annual fee | ₹0 (Lifetime Free — limited period offer) |
| Joining fee | ₹0 (limited period offer) |
| Standard annual fee | ₹2,499 + GST |
| Fee waiver condition | Spend ₹2,50,000 in the year |
BOBCARD Eterna Credit Card Eligibility & Documents
Age
Minimum annual income
Documents required
Residency
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for BOBCARD Eterna Credit Card
The application process is entirely online and takes about 5-7 minutes.
Frequently Asked Questions
Use the SmartDeal portal for flights and hotels. Booking through BOBCARD's SmartDeal portal earns 10X rewards on hotels (30 RP/₹100) instead of 5X. The price difference with external portals is usually negligible.
Use the SmartDeal portal for flights and hotels. Booking through BOBCARD's SmartDeal portal earns 10X rewards on hotels (30 RP/₹100) instead of 5X. The price difference with external portals is usually negligible.
Use the SmartDeal portal for flights and hotels. Booking through BOBCARD's SmartDeal portal earns 10X rewards on hotels (30 RP/₹100) instead of 5X. The price difference with external portals is usually negligible.
Use the SmartDeal portal for flights and hotels. Booking through BOBCARD's SmartDeal portal earns 10X rewards on hotels (30 RP/₹100) instead of 5X. The price difference with external portals is usually negligible.