BOB ETERNA Credit Card

BOBCARD ETERNA Credit Card

Best for : Travel
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The BOB Eterna Credit Card is best suited for a premium lifestyle and travel privileges. The card offers savings up to ₹81,000, unlimited complimentary access to domestic airport lounges across India on minimum quarterly spends of ₹40,000, reduced forex markup of 2% on international spends, 5X reward points for every ₹100 spent on online shopping, travel, dining, international spends, etc. The card involves a joining and annual fees of ₹2,499 + GST.

  • Key Highlights
  • Features & Benefits
  • Fees & Charges
  • Eligibility Criteria
  • Documents Required
  • How to Apply

Key Highlights of BOB ETERNA Credit Card

Below are the key BOB Eterna credit card benefits:

Best forLifestyle and travel
Joining Fee₹2,499 + GST
Annual Fee₹2,499 + GST
Welcome BenefitComplimentary 6-month FitPass Pro membership (worth ₹15,000) & 10,000 bonus reward points on spending ₹50,000 in the first 60 days
Reward Points5X reward points for every ₹100 spent on online shopping, travel, dining, international spends, etc.
Complimentary Lounge AccessUnlimited complimentary access to domestic airport lounges across India on meeting the spend criteria of ₹40,000 in the previous quarter
InsuranceAir accident insurance up to ₹1 Crore and non-air accident cover up to ₹10 Lakhs.

Features & Benefits of BOB ETERNA Credit Card

  • Welcome gift of a complimentary 6-month FitPass Pro membership (worth ₹15,000) and 10,000 bonus reward points on spending ₹50,000 in the first 60 days.
  • Earn 5X reward points (i.e. 15 reward points) per ₹100 spent on online shopping, travel, dining, international spends, etc.
  • 3 points per ₹100 spent on other categories.
  • Earn 10,000 bonus reward points on spending ₹50,000 within the first 60 days and 20,000 bonus reward points on annual spends of ₹5 Lakhs.
  • Reward points are redeemable for cashback at 1 point = ₹0.25.
  • Unlimited complimentary access to domestic airport lounges across India on meeting the spend criteria of ₹40,000 in the previous quarter.
  • Joining fee of ₹2,499 + GST is waived on spending ₹25,000 in the first 60 days annual fee of ₹2,499 + GST is waived on spending ₹2.5 Lakhs every year.
  • Reduced the forex markup of 2% on international spends.
  • Buy 1 Get 1 free offer (up to₹250 per month) on movie tickets purchased through the District app. Offer valid once per user per month, on all days of the week.
  • Air accident insurance up to ₹1 Crore and non-air accident cover up to ₹10 Lakhs.
  • Fuel surcharge waiver of 1% (capped at ₹250 per statement cycle) on fuel transactions between ₹400 to ₹5,000.
  • You can avail of up to 3 BOB Eterna credit card lifetime free add-on cards for your family members.

BOB ETERNA Credit Card Fees & Charges

The following are the detailed BOB Eterna credit card charges:

Joining fee₹2,499 + GST; Waived on spending ₹25,000 in the first 60 days of card activation
Annual fee₹2,499 + GST; Waived onspending ₹2.5 Lakhs every year
Foreign Currency Mark-up Fee2% of the transaction amount 
Finance Charges3.25% per month (39% p.a.) 
Cash Withdrawal Fee2.50% of the withdrawn amount or ₹500 (whichever is higher)
Cash Payment Processing Fee₹250 for every cash payment
Cheque Payment Processing Fee₹100 for every cheque payment
Duplicate Statement Fee₹25 per bill
Cheque Return Charges/ Auto Debit/ SI Bounce Fee2% of the payment amount (minimum ₹500)
Card Replacement Fee₹100 per card
Credit Limit Exceeding Charges2.5% of the amount exceeding the sanctioned BOB Eterna credit card limit or ₹600, whichever is higher
Charge Slip Retrieval Fee₹250 per slip
Processing Fee on Rent Payments, Wallet Loading, Utility & Fuel Transactions1%
Late Payment Charges
  • Up to ₹100: Nil
  • ₹100 - ₹500: ₹100
  • ₹501 - ₹1,000: ₹400
  • ₹1,001 - ₹10,000: ₹750
  • ₹10,001 - ₹25,000: ₹950
  • ₹25,001 - ₹50,000: ₹1,100
  • Above ₹50,000: ₹1,300

BOB ETERNA Credit Card Eligibility Criteria

The following are the BOB Eterna credit card eligibility criteria.

  • The applicant should be an Indian resident. 
  • Salaried and self-employed individuals can apply.
  • For primary salaried applicants, the age criteria is 21 to 60 years.
  • For primary self-employed applicants, the age criteria is 24 to 65 years.
  • The add-on applicant should be above 18 years old.
  • The net annual income of the applicant should be at least ₹12 Lakhs.

Documents Required for BOB ETERNA Credit Card

If you want to get a BOB Eterna Credit Card apply online with the following documents:

  • Recent passport-size photograph with a clear/ white background and without dark/ tinted glass.
  • Identity proof: PAN Card/ Aadhar Card/ Passport/ Driving Licence/ Voter's ID Card.
  • Address proof if the present address is the same as the permanent address: Aadhar Card (both sides)/ Driving Licence/ Passport/ NREGA-issued Job Card (duly signed by a State Government officer)/ Letter issued by the National Population Register (NPR) with the name and address details.
  • Address proof if the present address differs from permanent address: Utility Bill (not older than 2 months)/ latest Property or Municipal Tax Receipt/ Pension or Family Pension payment orders issued to retired employees department or Public Sector Undertakings (if they have the address)/ Letter of Allotment of accommodation from Employer issued by State or Central Government, statutory or regulatory bodies, Public Sector Undertakings, Financial Institutions, Scheduled Commercial Banks & listed Companies/ Leave & Licence Agreements.
  • Income proof for salaried applicants: Bank Statement showing the last 2 months' salary credit, Salary Slips along with a bank statement as specified above.
  • Income proof for self-employed applicants: Bank Statement ( PDF file format) showing the last 3 months' business transactions and other financial documents (as required).

How to Apply for BOB ETERNA Credit Card

Steps to Apply for the BOB Eterna Card through the Bank's Website

  • Log in to the BOBCARD‘s official website and choose your preferred credit card from the ‘View Cards’ section.
  • Fill an online application form by providing some basic details like your name, mobile number, address, email ID, income details, employment details, etc.
  • e-Sign using your Aadhaar and verify your identity through video-KYC.

Steps to Apply for BOB Eterna Card through MyMoneyMantra

  • Visit our portal and from the ‘Credit Cards’ tab, choose the preferred credit card from the list of cards mentioned under the ‘BOBCARD’ option.
  • Mention all the required details to apply for the card.
  • You will be assisted by our credit card experts through the entire application process.
  • Once approved, your card will be dispatched to your address. 
  • The credit card and the PIN will be dispatched separately.

FAQs

BOB Eterna credit card offers unlimited complimentary access to domestic airport lounges across India on meeting the spend criteria of ₹40,000 in the previous quarter.

The annual fee for the BOB ETERNA Credit Card is ₹2,499 + GST.

Yes, the BOB ETERNA Credit Card provides Air accident insurance up to ₹1 Crore and non-air accident cover up to ₹10 Lakhs.

You can redeem your reward points as cashback @ 1 reward point  = ₹0.25.

Yes, BOB ETERNA credit card offers unlimited complimentary access to domestic airport lounges across India. However, you will have to meet the spend criteria of ₹40,000 in the previous quarter.

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