BOBCARD ETERNA Credit Card

The BOBCARD ETERNA Credit Card represents one of the most compelling value propositions in the Indian super-premium credit card market. While competing cards from private issuers frequently demand joining fees of ₹10,000 to ₹12,500 for unlimited airport lounge privileges, BOBCARD ETERNA delivers unlimited complimentary domestic lounge access for an accessible annual fee of ₹2,499. For frequent domestic flyers who travel multiple times a month, the lounge privilege alone offsets the entire annual fee within the first quarter of card membership. The rewards engine is tailored around lifestyle and discretionary expenditures. Cardholders earn 15 reward points per ₹100 spent on travel, dining, and online shopping—equivalent to a generous 3.75% value return (1 Reward Point = ₹0.25). General offline retail transactions earn 3 reward points per ₹100 (0.75% return). Crucially, BOBCARD points can be redeemed directly against statement balance or for curated flight/hotel vouchers without punishing conversion haircuts. Overseas travelers also benefit from an industry-leading 2.0% foreign currency markup, substantially undercutting the standard 3.5% levied by most Indian issuers. The primary limitation to note is that the accelerated 15 reward points category is subject to a monthly ceiling of 5,000 points (reached on ₹33,333 spend in that bucket). Spends beyond that threshold revert to the base rate of 3 points per ₹100. Additionally, international airport lounge visits through Priority Pass are not bundled free of charge. However, with Buy 1 Get 1 free movie tickets on Paytm Movies (up to ₹250 twice monthly) and an annual fee waiver at ₹2,50,000 spend, BOBCARD ETERNA remains one of the best high-yield, low-maintenance lifestyle cards in India.

Additional Cardholder Privileges

Mandatory Verification Documents