BOBCARD Eterna

Joining fee

₹0 to join.₹0 joining/first-year fee w.e.f. 1st September 2026 (Limited Period Offer)

Renewal fee

₹2,499 a year.

Annual fee

Annual fee ₹2,499, waived on ₹2,50,000 spend in the preceding card anniversary year from the second year onwards. W.e.f. 1st September 2026, ₹0 joining/first-year fee (limited period offer)

Fee waiver rule

From the second year onwards, spend ₹2,50,000 in the preceding card anniversary year and get your annual fee of ₹2,499 waived off

Add-on card fee

No joining/annual fee is applicable for add-on Card.

Welcome benefit

Complimentary 12-month FITPASS PRO membership worth ₹48,000; spend ₹10,000 within 30 days of card issuance to unlock this benefit

Reward rate

3 Reward Points per ₹100 · everyday spends3 Reward Points for every ₹100 spent on other categories.

Fuel earningReward exclusions

No Reward Points are earned on fuel transactions.

Reward earning on dining spends

15 Reward Points per ₹100 when you spend on dining.

Reward earning on international spendsTravel earning

15 Reward Points per ₹100 on your Travel and International spends.

Reward caps

5X Rewards are capped at 5,000 Reward Points on the mentioned categories per statement cycle.

Point expiry

Evergreen: reward points earned on Eterna and Tiara Credit Cards won’t lapse.

Domestic lounge access

Unlimited domestic lounge access: spend ₹75,000 or more in the previous calendar quarter to qualify (starting from 1st October 2026)

Dining programme

Earn 5X Rewards, i.e. 15 Reward Points per ₹100, on dining spends; 5X Rewards are capped at 5,000 Reward Points per statement cycle on the mentioned categories.

Milestone benefits

10000 reward points on spending ₹50,000 or more within first 60 days of card issuance · 20,000 reward points on spending ₹5,00,000 or more in anniversary year

Movie or entertainment ticket benefit

Buy One Get One Offer on movie tickets with District with upto ₹250 per month

Fuel surcharge waiver

1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).

Surcharge on railway tickets

1% fee (Subject to maximum ₹5000 per transaction) will be charged on railway bookings (MCC 4112) of ₹30,000 or higher (w.e.f 1st April 2026)

Forex markup

2% on foreign currency transactions.

Cash advance fee

2.5% of the withdrawn amount or ₹500 whichever is higher.

Cash withdrawal limit

Cash withdrawal limit is determined at the bank's sole discretion as part of the credit limit; cash advances only up to the limit determined from time to time

Interest on unpaid balance

3.75% per month i.e. 45% per annum.

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Less than ₹100: NIL · ₹100 to ₹500: ₹100 · ₹501 to ₹1,000: ₹400 · ₹1,001 to ₹10,000: ₹750 · ₹10,001 to ₹25,000: ₹950 · ₹25,001 to ₹50,000: ₹1,100 · More than ₹50,000: ₹1,300.

Over-limit fee

2.5% of the amount over & above the sanctioned credit limit or ₹600, whichever is higher. Overlimit upto 5% of credit limit

Payment return or dishonour fee

Cheque return: 2% of the payment amount subject to min of ₹500. Auto Debit/SI bounce: 2% of the payment amount subject to min of ₹500, applicable only once per Statement cycle per card & only in case Auto debit/Standing instruction fails due to insufficient balance in the Customer’s Account

Statement or duplicate statement fee

₹25 per Bill

Card replacement fee

₹100/- per card

Cash payment / cash deposit fee

₹250 for every Cash payment.

Cheque payment / dishonour fee

₹100 for every Cheque payment.

Education / school fee charge

1% fee (subject to maximum of ₹5000 per transaction) will be charged on online education fee payments via Third party payment apps - Cheq, CRED, Ease My Deal, Mobikwik, NoBroker, Paytm, Phonepe, SuperPe (w.e.f 1st April 2026)

Reward redemption fee

No Fee

Wallet load charge

1% processing fees will be levied on Wallet loading Transactions.

What the card's fee or benefit year means

Card Anniversary year is considered from the Card issuance date

Fuel transaction fee

1% processing fee per transaction will be levied on fuel transactions (MCC 5172, 5541, 5542,5983) where transaction amount is ₹10,000 or higher.

Rent transaction fee

A fee of 1% of the total transaction amount will be levied on all rent payment transactions (Merchant Category Code or MCC 6513) done using your BOBCARD Card.

Utility transaction fee

1% (Maximum ₹3000 per transaction) Processing fee will be levied to Utility transactions (MCC 4900) where transaction amount is ₹50,000 or higher

GST note

18% (applicable on all fees, interest & other charges)

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

100% of (all Fees/Charges + Finance Charges + GST + EMI amount) + 2% of (Retail Spends + Cash Advance), or ₹200 whichever is higher

Age the primary cardholder must be

Age: minimum 25 years and maximum 55 years

Income requirement

Salaried/Self-employed with Net Annual Income > ₹12 Lakh.

Income, salaried

Net Annual Income > ₹12 Lakh (salaried or self-employed)

Income, self-employed

Net Annual Income > ₹12 Lakh (self-employed or salaried)

Minimum age

Minimum 25 years and Maximum 55 years

Documents required

Mandatory: recent passport size photograph and PAN Card; address proof: Aadhaar Card (both side), Voter ID Card, Passport, Driving Licence; salaried: bank statement reflecting salary credit for last 2 months.

Residency

Indian Resident