Core Rewards :
Milestone Rewards :
  • Monthly : N/A
  • Quaterly : N/A
  • Annual : 20,000 Reward Points on spending Rs 5 Lakh in a calender year.
No rewards on spends : Fuel
Rewards Redemption
How to Redeem :
  • Cashback in form of Statement Credit
Redemption options : Statement Cash
Redemption fee : Nil
Transfer partners : N/A
Complementary Benefits
Lounge access :
  • Domestic Lounge : Unlimited
  • International Lounge : N/A
  • Railway Lounge : N/A
Insurance Benefits :
  • Lost card liability : Upto Credit Limit
  • Personal accidental insurance : 10 Lakhs
  • Air accidental insurance : 1 Cr
Other Benefits :
  • Lounge Membership : N/A
  • Memberships Available With Cards : N/A
  • Spa Benefits : N/A
Golf Benefits :
  • Lessons : 12 per year (Mastercard) / 1 per quarter (Visa)
  • Games : 4 per year (Mastercard)
Joining fees : 2499
Annual fees : 2499
Welcome Benefits : N/A
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 2%
Fee reversal criteria : Joining Fees- Spend 25000 within first 60 days. Annual Fees- Spend 2.5L in a year.
Minimum age : 21
Minimum ITR : 12,00,000
Minimum Salary : 1,00,000

BOB Eterna Credit Card Welcome Benefits

  • Welcome benefit: Enjoy a 6-month FitPass Pro membership worth Rs. 15,000.
  • Receive a generous gift of 10,000 bonus reward points to kickstart your rewards journey.

BOB Eterna Credit Card Reward Points/Cashback

The BOB Eterna Credit Card offers:

  • Earn 15 reward points per Rs. 100 on online shopping, travel, movies, and dining (capped at 5,000 points), and 3 reward points per Rs. 100 on other categories.
  • Enjoy 5X (15) reward points on movie and dining spends, with culinary deals and Paytm movie ticket discounts.
  • Redeem reward points as cashback or for flights, hotels, shopping, and more at a rate of 1 RP = Re. 0.25.
  • Access unlimited domestic lounges, golf benefits, and insurance coverage for added value.

BOB Eterna Credit Card Reward Point Redemption

You can easily redeem your reward points with the BOB Eterna Credit Card:

  • Redeem points as cashback against your card's statement balance.
  • Enjoy various redemption options, including hotel, flight, movie tickets, mobile recharge, and shopping through BOB's reward redemption portal.
  • Each Reward Point is worth Rs. 0.25.
  • Redemption is fee-free, and there are no transfer partners, ensuring your rewards are at your disposal.

Pros of BOB Eterna Credit Card

  • 3.75% Cashback: Earn a generous 3.75% cashback on online shopping, dining, travel, and international transactions.
  • Unlimited Lounge Access: Enjoy unlimited access to domestic airport lounges.
  • Reduced Forex Markup: Benefit from a reduced forex markup of 2% for cost-effective international transactions.

Cons of BOB Eterna Credit Card

  • Limited Returns on Special MCCs: The card provides lower returns on transactions in Special Merchant Category Codes and certain categories, reducing its appeal for specific spending.
  • Customer Support Challenges: Some cardholders have experienced subpar customer support services, highlighting room for improvement in this area.

BOB Eterna Credit Card Benefits

  • Welcome Benefits: Enjoy a 6-month FitPass Pro membership and 10,000 bonus reward points on meeting initial spend criteria.
  • Milestone Benefits: Earn 20,000 bonus reward points annually on spending Rs. 5 lakh.
  • Spend-Based Waiver: Joining fee waived for qualifying initial spend, and annual fee waived for high annual spend.
  • Travel Benefits: Accelerated reward points on travel expenses, personal air accident cover, lower foreign currency mark-up, and unlimited domestic lounge access.
  • Movie and Dining: Access to culinary deals, accelerated reward points on dining and movies, and Buy One Get One movie tickets.
  • Insurance Coverage: Personal air accident cover and accidental death cover.
  • Golf Privileges: Complimentary golf rounds and lessons.
  • Low Foreign Currency Mark-Up: Enjoy international spending with a reduced mark-up fee.
  • Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver at petrol/gas stations.

BOB Eterna Credit Card Charges and Fee

  • Joining Fee: Rs. 2,499
  • Annual Fee: Rs. 2,499
  • Welcome Benefits: N/A
  • Quarterly Benefits: N/A
  • Annual Benefits: N/A
  • Foreign Currency Markup: 2% of the transacted amount
  • Interest Rates: 3.25% per month or 39% per annum
  • Fuel Surcharge: 1% of the transaction amount waived for transactions between Rs. 400 and Rs. 5,000, with a maximum waiver of Rs. 250 per statement cycle.
  • Cash Advance Charges: 2.5% of the transaction amount, with a minimum charge of Rs. 500.
  • Add-on Card Fee: Nil
  • Spend-Based Waiver: Joining fee waived upon spending Rs. 25,000 in the first 60 days, and annual fee of the subsequent year waived on expenditure of Rs. 2.5 lakh in the previous year.

Frequently Asked Questions

  • Q: How can I apply for the BOB Eterna Credit Card?
    A: You can apply for the BOB Eterna Credit Card online through the BOB Cards website or by visiting a BOB branch.
  • Q: What is the eligibility criteria for this card?
    A: Eligibility criteria typically include a minimum age, income requirement, and credit score. Check with BOB for the specific criteria.
  • Q: Can I get my annual fee waived?
    A: Yes, the annual fee can be waived based on your spending patterns. Check the terms and conditions for details.
  • Q: How do I redeem reward points?
    A: You can redeem reward points for various options, including cashback and travel. There are no redemption fees.