BOB Eterna Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: Bank of Baroda
Network: Visa | Tier: Premium
The BOB Eterna Credit Card is a Premium Visa credit card issued by Bank of Baroda, best suited for dining users. It carries a joining fee of ₹2,499, with an interest rate of 3.49% per month. Key benefits include Dining cashback, 15% dining cashback, and Lounge. New cardholders get a welcome benefit of Welcome. On fees — Lounge access: Lounge; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹6,00,000/year to qualify. It falls under the Premium, Travel, Fuel, and Rewards category on CreditCardHunt.
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Why Choose the BOB Eterna Credit Card?
The BOB Eterna Credit Card is a Premium-tier Visa credit card issued by Bank of Baroda, rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for Dining users. With a reward rate of 15% dining cashback and an annual fee of ₹2,499, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with Welcome, which adds immediate value in the first year and helps recover the ₹2,499 joining fee.
BOB Eterna Credit Card Fees & Charges
| Annual Fee | ₹2,499 |
|---|---|
| Joining Fee | ₹2,499 |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
BOB Eterna Credit Card Rewards & Benefits
| Reward Rate | 15% dining cashback |
|---|---|
| Welcome Bonus | Welcome |
| Lounge Access | Lounge |
| Best For | Dining users |
Key Highlights of the BOB Eterna Credit Card
- Dining cashback
- 15% dining cashback
- Lounge
BOB Eterna Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹6,00,000/year
Minimum Income Required: ₹6,00,000/year
Advantages of the BOB Eterna Credit Card
- Dining benefits — a genuine plus for anyone eyeing this premium card.
Drawbacks of the BOB Eterna Credit Card
- Limited rewards — worth weighing before you apply.
BOB Eterna Credit Card — Frequently Asked Questions
What is the annual fee of the BOB Eterna Credit Card?
The BOB Eterna Credit Card has an annual fee of ₹2,499 and a joining fee of ₹2,499. New cardholders receive Welcome as a welcome benefit, which helps offset the joining cost.
Does the BOB Eterna Credit Card offer airport lounge access?
Yes — the BOB Eterna Credit Card offers Lounge.
Who is eligible for the BOB Eterna Credit Card?
The minimum income requirement is ₹6,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the BOB Eterna Credit Card?
The BOB Eterna Credit Card earns 15% dining cashback. It is best suited for Dining users.
Credit Cards Similar to the BOB Eterna Credit Card
If you are considering the BOB Eterna Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Etihad Guest Premium Credit Card by Bank of Baroda — rated 4.7/5, ₹5,000 annual fee
- EazyDiner Signature Credit Card by IndusInd Bank — rated 4.7/5, ₹2,999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.5/5