The BoB Eterna Credit Card is designed as a strong all-rounder for users who want meaningful value-back across everyday and lifestyle categories. With accelerated rewards on dining, travel, online shopping, and international use, along with unlimited domestic lounge access, the card positions itself firmly in the mid-premium segment. Its fee waiver conditions are realistic, making the effective cost of ownership very low for most users.

Current Lifetime Free (LTF) Offer Snapshot

Welcome Benefits

The BoB Eterna Credit Card offers a strong and high-value welcome package that helps new users extract benefits right from the first month of issuance.

You receive a 6-month complimentary FitPass Pro membership, giving you access to over 2,500 premium gyms and fitness studios across India. This is a lifestyle-focused benefit that adds real value for users who enjoy flexible fitness options without being tied to a long-term gym plan.

Alongside this, the card also offers a welcome bonus of 10,000 Reward Points when you spend ₹50,000 within the first 60 days. This threshold is easy to achieve for most users and helps offset the joining fee almost immediately.

BoB Eterna Credit Card – Rewards & Earning Structure

Milestone Benefits

The BoB Eterna Credit Card rewards consistent annual spending with a meaningful milestone bonus. When you spend ₹5 lakh in a year, you receive 20,000 bonus Reward Points. At ₹0.25 per point, that’s a ₹5,000 value. This gives you an additional 1% value-back on your annual spends, over and above the regular rewards.

Lifestyle Benefits

• Unlimited Domestic Lounge Access on spending ₹40,000 in the previous quarter — one of the most generous lounge programs in this fee range.

• Monthly Movie Benefit: Buy 1 Get 1 on District with up to ₹250 off, once per month.

To avail this offer, select the ‘BOBCARD Eterna’ offer or enter the promo code ‘BOBMOVIES’ at checkout.

• Fuel Surcharge Waiver: 1% waiver (up to ₹250/month) on fuel spends between ₹400 and ₹5,000.

• Comprehensive Insurance: ₹1 crore accidental air death cover, ₹10 lakh non-air accident cover, and zero liability protection on fraudulent transactions.

Other Charges

• Joining / Annual Fee: ₹2,499 + taxes (currently NIL for a limited-time offer).

• Forex Mark-up: 2% on all international transactions.

• Finance Charges: 3.25% per month (39% per annum) on outstanding balances.

• Late Payment Fee: Slab-based, starting from ₹100 and going up to ₹1,300 depending on the outstanding amount.

Who Should Consider This Card?

The BoB Eterna Credit Card works best for users who spend consistently on travel, dining, and online shopping and want a card that delivers strong value without high annual fees. It is beneficial for domestic travellers who can take full advantage of the unlimited domestic lounge access, and for users with moderate annual spends who can comfortably meet the waiver criteria, effectively holding the card at no cost while enjoying high reward rates.

A notable advantage is that the card still provides a positive net reward of around 1.75% on international spends, even after factoring in the 2% forex markup. This kind of net gain on foreign transactions is rarely found in cards available under Lifetime Free or NIL-fee offers (Limited Period).

However, the Eterna may not be ideal for users whose major expenses fall under categories excluded from accelerated rewards.

Final Verdict

The BoB Eterna stands out as a well-rounded, high-value credit card in the mid-premium category. Its 5X and 10X reward structure, unlimited domestic lounge access, milestone bonuses, and achievable fee waivers make it highly rewarding for the right user profile. While the redemption value and exclusion list reduce some of the appeal.

⭐ Rating: 4.5 / 5 (with Limited-Time LTF Offer)

The BoB Eterna Credit Card delivers excellent value when taken under the limited-time Lifetime Free offer, making it one of the strongest mid-premium cards in terms of overall benefits vs. cost.