BOBCARD ETERNA Credit Card Review [Lifetime FREE Offer]

Introduction

Zero/Low forex cards and high–reward online spend cards have become increasingly popular in India, and the Bank of Baroda BOBCARD Eterna stands out as one of the strongest contenders in its segment. With an attractive Lifetime Free offer valid till 31 December 2025 for users with a minimum income of 12 lakh, the card delivers a powerful blend of generous rewards, domestic lounge access, and cashback style redemptions.

If used smartly, Eterna can easily become one of the best everyday online spend cards for 2025, especially because rewards can be taken as statement credit which gives real tangible value.

Key Features at a Glance

• Lifetime Free for eligible applicants till 31 December 2025

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• 3.75 percent reward rate on online dining travel and international spends
• 0.75 percent reward rate on regular spends
• Unlimited domestic lounge access on meeting spend criteria
• Movie B1G1 up to 250 per month
• RuPay JCB variant gives up to 25 percent back across select Asian countries
• Points redeemable for statement credit value of 25 paise per point

Reward Structure

Online/ Dining/ Travel/ International

• Earn 15 reward points per 100 rupees
• Equivalent to a 3.75% reward rate
• Capped at 5000 reward points per statement cycle

Regular spends

• Earn 3 reward points per 100 rupees
• Equivalent to 0.75% reward rate

Point value

• 1 reward point equals 25 paise
• Rewards can be redeemed for statement credit which makes them highly useful

Milestone Benefits

The card offers an additional reward boost through annual milestones.
• Earn 20,000 reward points on annual spends of 5 lakh
• This translates to 1% return on spend purely from milestone benefit

When combined with regular online rewards, a user who spends 5 lakh online(Rs.41,700 a month) in a year can earn:

• 75,000 reward points from online rewards
• 20,000 reward points as milestone reward
• Total value equals 95,000 reward points which is 23,750 rupees as cashback

This gives an impressive net reward rate of up to 4.75 percent assuming careful category usage and minimal excluded MCC interaction.

Lounge Access

Domestic

• Unlimited domestic airport lounge access via Mastercard
• Add on cards also get unlimited domestic lounge access
• Lounge access eligibility requires spending 40,000 rupees in the previous calendar quarter

International

• No international lounge access which is acceptable considering the reward potential and LTF structure

Domestic lounge access is arguably the biggest perk of Eterna because many banks have reduced lounge access drastically in 2024 and 2025.

Other Benefits

• Movie Benefit: Buy One Get One free movie offer up to 250 rupees once per month
• FitPass Pro: Complimentary 6 month subscription
• Forex Markup Fee: 2% plus GST (lower than typical 3.5 percent charged by most card issuers)
• Attractive merchant offers especially 10% instant discount on Amazon and Flipkart during partner events

RuPay UPI Advantage

The BOBCARD Eterna is now available on the RuPay network which enables:
• Linking the card to UPI apps like GPay PhonePe and Paytm
• Unlimited reward earning on UPI spends where applicable
• Smooth integration for quick payments

This significantly increases the usability and acceptability of the card across India.

Lifetime Free Offer Details

Bank of Baroda is running a limited period promotion allowing eligible applicants with annual income of 12 lakh and above to get the card as Lifetime Free untill 31st Dec 2025

During application you will see:
• 0 rupees joining fee
• 0 rupees annual fee

It is strongly recommended to take a screenshot of the final pricing screen for your records before submission.

Apply link: https://tinyurl.com/BOBEternaLTF

SmartSpendCode Analysis

The BOB Eterna card delivers strong value provided the user can:

• Maximise online spending categories
• Avoid excluded MCC categories
• Maintain a spend of around 40,000 rupees per quarter for lounge access
• Utilise RuPay UPI transactions smartly for added usability

However in 2025 many 5% cashback cards have entered the market which challenge Eterna’s value proposition. Still for those wanting a Lifetime Free card with unlimited domestic lounge access and stable cashback-style rewards Eterna remains reliable.

Should You Get This Card

You should consider BOB Eterna if:

• You spend heavily on online purchases dining and travel
• You want a Lifetime Free card with domestic lounge benefits
• You prefer cashback style redemption rather than travel programs
• You use UPI frequently and want rewards on those transactions

You may skip this card if: (Not recommended to skip for Lifetime free variant)

• Your online spends are low
• You already hold 5% cashback cards
• You need international lounge access

Conclusion

Bank of Baroda Eterna is one of the better well rounded cards in the market for 2025 offering strong online reward rates unlimited domestic lounge access and now the big advantage of being Lifetime Free for eligible users. For beginners and intermediates looking to upgrade their card game without paying annual fees this is a solid addition to the wallet.

Apply here: https://tinyurl.com/BOBEternaLTF