BOBCARD Eterna Credit Card: rewards, caps and exclusions
The BOBCARD Eterna Credit Card pays about 3.75% on International (in store / online), Food (in store / online), Travel (in store / online), on the first ₹33,300 of spend a cycle, and 3.75% on everything else. Below is every rate, cap and exclusion in Bank of Baroda's published terms, as we last checked them on 9 October 2026.
What it earns
≈ marks a rate paid in points, valued at ₹0.25 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Fuel
- Rent
- Wallet loads
- Government payments
- Education fees
- Insurance premiums
- Railway bookings
- Tolls
- Cash withdrawals and fees
What costs extra
Worse than earning nothing: Bank of Baroda charges a fee for these.
- 1% on Processing Fee on Rent Payments, plus GST
- 1% on Processing Fee on Wallet Loading Transactions, plus GST
Milestones
In Bank of Baroda's own words:
- 20,000 reward points on spending Rs. 5,00,000 or more in anniversary year → 20,000 RP
Fees
- Annual fee: ₹2,499, plus 18% GST
- Joining fee: none
- Annual fee waived on ₹2,50,000 of spend in a card year
Welcome benefit: 10,000 RP on ₹50,000 spend within the first 60 days + 12-month FITPASS PRO membership on ₹10,000 spend within 30 days (cards issued on or after 1 Aug 2026) on spending ₹50,000 within 60 days.
Where this comes from
Transcribed from Bank of Baroda's own documents and checked against them on 9 October 2026:
- product page, bobcard.co.in
- Product Features, media.bobcard.co.in (PDF)
- consolidated MITC, media.bobcard.co.in (PDF)
- 1 Apr 2026 notice, media.bobcard.co.in (PDF)
- 15 Jul 2026 notice, media.bobcard.co.in (PDF)
- addendum, media.bobcard.co.in (PDF)
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Bank of Baroda's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
Hold this card?
We know this card's rules, but we don't read Bank of Baroda's mail yet, so the audit can't check your swipes on it. Which banks we read
Other Bank of Baroda cards
1% on International Transaction
BOBCARD Premier Credit Card≈2.5% on International (in store / online), Food (in store / online), Travel (in store / online)
HPCL ENERGIE BOBCARD Credit Card≈4% on Fuel purchases at HPCL retail outlets, LPG purchases & through HP Pay App (in store / online)
Snapdeal BOBCARD Credit Card≈5% on Purchases on the Snapdeal website & Mobile App (in store / online)