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All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
BoB
Premium
•••• •••• •••• 0000
Eterna
RuPayBank of Baroda • RuPay• Premium
Annual Fee
Free
Base Reward Rate
0.75%
Foreign Tx Fee
2%
Tier
Premium
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
⚠️ Activation: ₹40,000 per quarter
Unlimited domestic via Mastercard. Requires ₹40K spend in preceding quarter (effective Jan 1, 2025).
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹9,900
Blended 1.59% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
BOBCARD Eterna (Mastercard variant — unlimited lounge). ₹2,499+GST joining/annual. Joining waiver: spend ₹25K in 60 days. Annual waiver: spend ₹2.5L in anniversary year. Base 3 RP/₹100 (0.75%). 5× (15 RP/₹100, ~3.75%) on Online, Dining, Travel, International. Cap 5,000 bonus RP/stmt cycle. Excluded: Rent, wallet, insurance, utilities, education, govt, grocery, fuel. Welcome 10K RP on ₹50K/60d. Annual milestone 20K RP on ₹5L. Forex 2%+GST=2.36%. Unlimited domestic (Mastercard) on ₹40K/quarter activation (since Jan 1, 2025). No international lounges / no PP.
Excluded categories