BOB Eterna Credit Card Review: LTF Offer, Unlimited Lounge and Recent Devaluation
Apply now and Claim an Extra Amazon Voucher worth ₹500.
Devaluation Alert (August, 2026)
Bank of Baroda has discontinued the complimentary FITPASS Pro membership benefit on the Eterna card. Checkout SBI Pulse Credit Card for Complimentary FITPASS Pro.
Card Fees:
₹2,499 + GST (LTF Currently)
Benefits:
Unlimited Lounge, 3.75% Valueback
Best For:
Frequent Flyers & Forex Spenders
Reward Type:
Reward Points (25% Value)
Rating:
Finding a premium credit card without heavy joining and annual fees is rare. However, the Bank of Baroda (BOB) Eterna Credit Card has emerged as an exception in 2026, especially with the current Lifetime Free (LTF) offer.
Whether you are a frequent flyer craving Unlimited Domestic Lounge Access or eyeing that whooping 3.75% value back on spends, this BOB Eterna Credit Card Review covers everything you need to know.
BOB Eterna Credit Card: Fees & Eligibility
For a limited time period, BOB Eterna Credit Card is offered as Lifetime Free Card (LTF) to new credit cards users of Bank of Baroda. Generally Eterna’s Joining and Annual fees are as follows:
Joining Fees: ₹2,499 + GST
- Waived off on spending ₹25,000 or more within first 60 days.
Annual Fees: ₹2,499 + GST
- Waived off on annual spends of ₹2,50,000 or more.
BOB Eterna Credit Card Eligibility
To qualify for the Bank of Baroda Eterna Credit Card, you generally need to meet these criteria:
Income: Minimum annual income of ₹12 Lakhs (Salaried or Self-Employed). [However, applicants with income below 12 lakhs might also get the card based on their relationship, CIBIL or spending profile.]
Age: 21–65 years.
Credit Score: A score of 750+ is highly recommended for instant approval.
BOB Eterna: Key Features & Benefits
The Bank of Baroda Eterna Credit Card isn’t just a premium credit card and it remains one of the most competitive cards in the “Premium-yet-Free” category in 2026. Here is a breakdown of the core benefits that make it a top contender:
1. High-Value Reward System (3.75% Value Back)
The standout feature of this card is the accelerated rewards program. You earn 15 Reward Points for every ₹100 spent on eligible categories’ spends: Travel, Dining, Online Shopping and International Spends.
- 1 Reward Point = ₹0.25, you are earning a 3.75% value back on these categories, which you can redeem directly as statement credit.
- Eligible Spends other than the categories mentioned above will yield 0.75% Value back.
2. Milestone Rewards
- Earn 10,000 Bonus Reward Points on spending ₹50,000 or more within the first 60 days.
- Additionally, earn 20,000 Reward Points on spending ₹5,00,000/more within a year.
3. Unlimited Domestic Lounge Access
While many cards are cutting back on lounge perks, the Bank of Baroda Eterna continues to offer unlimited domestic airport lounge access for both the primary cardholder and add-on members.
The 2026 Spend Criteria: You must spend a minimum of ₹40,000 in the current calendar quarter to qualify for Unlimited Domestic Lounge during the next quarter.
4. Travel, Movie and Other Benefits
Low Forex Markup: Forex mark up of just 2% (+ GST). It’s significantly cheaper to use abroad than standard cards (which charge 3.5%). And don’t forget that on top of that you are getting 3.75% cashback on your Forex spends.
Movie BOGO: Buy One Get One (BOGO) offer on movie tickets via the District App, capped at ₹250 per month.
Golf Rounds: Enjoy 4 complimentary rounds of green fees and 12 golf lessons per year at premium courses. (Mastercard variant only)
Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000 (capped at ₹250/month).
Eterna Credit Card Reward Points & Milestones
When it comes to BOB Eterna credit card benefits, the reward rates offered are one of the reasons where this card truly shines. It offers a tiered system that favors digital spenders.
| Category | Reward Points (per ₹100) | Effective Value Back |
| Travel, Dining, & Online Spends | 15 Points (5X) | 3.75% |
| International Spends | 15 Points (5X) | 3.75% |
| All Other Spends | 3 Points | 0.75% |
Note:
- 1 Reward Point = 0.25 INR (25% Value)
- Reward Points has a monthly limit of 5,000 Reward Points (RPs).
- Reward Points earned can be redeemed as Statement Credit.
Milestone Rewards
- Earn 10,000 Reward Points on spending ₹50,000 or more within the first 60 days.
- Additionally, earn 20,000 Reward Points on spending ₹5,00,000/more within a year.
Unlimited Domestic Airport Lounge Access
While many cards are cutting back on lounge perks, the Bank of Baroda Eterna continues to offer unlimited domestic airport lounge access for both the primary cardholder and add-on members.
The 2026 Spend Criteria: You must spend a minimum of ₹40,000 in the current calendar quarter to qualify for Unlimited Domestic Lounge during the next quarter.
Exclusive Perk: Cardholders get access to the VIP section of the 080 Lounge at Bangalore (BLR) Airport T2. Here is a list of all Eligible Airport Lounges.
Cult Observation: The Spend Criteria for lounge is waived off for the quarter in which the card is issued. Moreover, if your card is issued in the last month of the calendar quarter then the unlimited lounge benefit (without any spend requirement) will be extended to the next quarter as well.
Cult Tips & Tricks to Maximize Your BOB Eterna
The “Net-Positive” Forex Hack: Since you earn 3.75% back on international spends but only pay a 2% forex fee, you actually make a profit of ~1.39% (after GST) on every international transaction.
Milestone Magic: If you spend ₹5 Lakhs in a year, you get an additional 20,000 Reward Points (₹5,000 value). This pushes your effective reward rate on online spends closer to 4.75%.
Add-on Power: You can get up to 3 add-on cards for family members. They also enjoy the unlimited lounge access, provided the primary card meets the spend criteria!
- 3.75% Value Back on Jewelry: As of now, you can earn 3.75% value back, in form of Reward Points, for online jewelry purchase too through Ajio, Zepto, Myntra, etc.
WhatsApp Channel: If you are a regular gold buyer then you can join Good Deals India WhatsApp Channel for gold deal alerts!
BOB Eterna Alternatives/Competitors
If you already hold a Bank of Baroda Credit Card, you might find that you are not eligible for the BOB Eterna as a second card. Many users report that BOBCARD does not always allow “multiple cards” within their ecosystem for everyone. You may apply for a card upgrade by emailing crm@bobfinancial.com
If an upgrade isn’t possible, or you want a different bank, here are the top 3 alternatives for 2026, ranked by value:
1. Scapia Credit Card (The Best LTF Alternative)
Scapia has quickly become a segment favorite for travelers who want premium perks without the premium joining/annual fees.
-
Lifetime Free (LTF) – No joining or annual fees.
-
The “Unlimited” Perk: Unlike most cards that just give you one or two lounge, Scapia offers Unlimited Domestic Lounge Access or a unique Airport Privilege (You can claim rewards of up to ₹1,000 for dining, shopping, or spa services at the airport) per departure.
-
The Spend Criteria: You only need to spend ₹20,000 per month in the current billing cycle to unlock these unlimited benefits in the next billing cycle.
-
Rewards: Offers minimum 2% Valueback (as Scapia coins) on all spends with no monthly capping and 4% Valueback for travel spends in Scapia App.
- Know more about the Scapia Credit Card here.
2. SBI Card PULSE Credit Card (The Health & Fitness Rival)
If you specifically want the FITPASS benefit found on the Eterna, the SBI Pulse is its direct competitor in the “Wellness” category.
Fee: ₹1,499 + GST (Waived on ₹2 Lakh annual spend).
FITPASS Pro: SBI Pulse offers an Annual FITPASS Pro Membership every year upon renewal (subject to paying the annual fee). But, their FITPASS Pro allows only 12 sessions per month.
Welcome Gifts: Includes a Annual FITPASS Pro, Noise ColorFit Pulse 4 Pro Smartwatch (worth ₹7,999) and a 1-year Netmeds First membership.
Lounge Access: 8 Domestic visits per year (capped at 2 per quarter) with no spend criteria.
Know more about the SBI Pulse Credit Card here.
3. HDFC Regalia Gold (The All-Rounder)
If you want a card from a top-tier private bank that balances travel and shopping, Regalia Gold is the “Big Brother” to Eterna.
-
Annual Fee: ₹2,500 + GST (Often issued LTF for high-salaried professionals).
-
Lounge Access: 12 domestic visits per year (no spend criteria on many variants) and 6 International visits via Priority Pass (which Eterna lacks).
-
Rewards: 4 points per ₹150 spent. Quarterly Milestone rewards include ₹1,500 vouchers for Marriott/M&S every quarter.
-
Milestone Benefits: Additionally, receive Rs 5,000 in Smartbuy Flight voucher on annual spends of Rs 5 lakh (plus ₹5,000 Flight Smartbuy voucher for total annual spends of Rs 7.5 lakh).
-
Apply for HDFC Regalia Gold here.
| Card | Annual Fee | Best Feature | Lounge Requirement |
| Scapia | ₹0 (LTF) | Unlimited Lounge or Airport Privilege | ₹20k Monthly |
| SBI Pulse | ₹1,499 | FITPASS Pro + Noise Pulse Smartwatch | No Spend Criteria |
| HDFC Regalia | ₹2,500 | Milestone Benefits | ₹1L/more in previous quarter |
Cult Conclusion: Worth it in 2026?
The BOB Eterna Credit Card is a rare gem in 2026. Very few cards manage to offer a 3.75% reward rate alongside unlimited lounge access and all this while being offered as Lifetime Free (LTF).
If you can secure this card before the current LTF offer expires, it is arguably the best “lifestyle” card to have in your wallet.
Who should get it?
The Online Spender: If you spend heavily on Amazon, Zomato, or Travel, the 3.75% cashback is hard to beat.
The Frequent Domestic Flyer: If you spend over ₹40,000 a quarter, the unlimited lounge access is a massive luxury.
Forex Spender: Offers 3.75% value back on your international spends as well.
If you struggle to meet the ₹40,000 quarterly spend for lounge access, Scapia can be a better “low-maintenance” alternative. But for everyone else meeting the ₹12 Lakh income criteria, the BOB Eterna is a “Set it and Forget it” card that brings premium lifestyle perks to your pocket for zero cost.
Saurabh | Founder & Content Writer at CreditCult.in
For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results.
I believe you found this blog post on BOB Eterna useful and I would highly recommend you to checkout our blog: SBI Cashback Credit Card Review | King of Cashback Cards.
Frequently Asked Questions (FAQs)
Is the BOB Eterna still Lifetime Free (LTF)?
Yes! Bank of Baroda has extended the Lifetime Free offer until June 30, 2026. If you apply during this window and meet the eligibility criteria, you won’t have to pay any joining or annual fees ever.
Can I get BOB Eterna if I already have another Bank of Baroda card?
Generally, BOBCARD does not allow new applications if you already hold a card with them. Your best path is to email crm@bobfinancial.com and request an upgrade to Eterna, provided your annual income is above ₹12 Lakhs.
What is the spend requirement for Unlimited Lounge Access?
To enjoy unlimited domestic lounge access, you must spend a minimum of ₹40,000 in the previous calendar quarter. If you meet this, your access is unlocked for the following quarter.
Can my add-on cardholder also access the lounge?
Yes, BOB Eterna allows unlimited lounge access for add-on members as well, provided the primary cardholder has met the ₹40,000 quarterly spend criteria.
What is the value of 1 Reward Point?
1 Reward Point = 0.25 INR. The best way to redeem them is for Statement Credit, which essentially works like direct cashback into your credit card bill.
About FITPASS Pro with Eterna (Discontinued)
The FITPASS Pro membership was the standout lifestyle benefit of the BOB Eterna. It transforms your card into a universal gym pass, perfect for those who travel or want variety in their fitness routine.
From 2026, BOB Eterna has started offering a 12-month FITPASS Pro instead of a 6-month membership that was offered previously (during 2025). Here are the details about the Annual FITPASS Pro offered complimentary with BOB Eterna:
BOB Eterna x FITPASS Pro Details (Important)
- 5 Sessions/Week: FITPASS Pro coming with BOB Eterna offers 5 sessions per week at any partnered gym or fitness center of your choice.
- 60 Minutes/Session: Each session allows you 60 minutes of access to the chosen fitness center.
- 1 Session/Day: Members can take maximum 1 session each day.
- How am using it? Currently, I am enjoying 4 Swimming Sessions and only 1 Gym Session each week. Generally, FITPASS is best for hybrid fitness enthusiasts who wants to discover or enjoy different sports or different gym sessions.
Plan Duration & Value
Standard Offer (2025): 6-month complimentary membership.
Current Promo (Currently): In 2026, LTF BOB Eterna is offering 12-month FITPASS Pro access to their card holders.
What is included in the Complimentary FITPASS Pro Membership?
What’s Included?
FITPASS: Access to 8,100+ premium gyms, swimming pools and fitness centers across India. You can daily choose that which Gym or Fitness Center you want to go. It can be same
FITCOACH: AI-powered personal training (ARIA) for customized home/gym workouts.
FITFEAST: Real-time access to expert nutritionists for personalized diet plans.
FITHEAL: Complimentary doctor consultations and health check-up benefits.
FITPASS Pro Activation Guide (Click to know)
Quick Activation Guide (Must do within 60 days)
Wait: Your number is usually whitelisted 15 days after card delivery.
Verify: Enter your registered mobile number and the first 6 digits of your Eterna card.
Activate: Verify and activate the membership with OTP Verification.
Launch: Download the FITPASS app and log in to start booking sessions.
Pingback: INDMoney Referral Code ABH6FBPHCRE | 5% Cashback on Card Payment