BOB Eterna Credit Card 2025
Save up to ₹45,000+ every year with unlimited 3.75% cashback, 15X travel rewards & premium lounge + golf benefits!
If you want high unlimited cashback + premium travel perks at low fee, BOB Eterna Credit Card is currently the best mid-premium card in India!
You get 5X Reward Points (3.75% value) on every spend with no cap, 15X Points on travel, dining, online spends, ₹2,500 welcome voucher, 8 domestic + 4 international lounge visits, 12 complimentary golf rounds, low forex markup 2%, and fee easily waived on ₹2.5L spend.
Points = Real Cash – redeem as statement credit at ₹0.75 per point anytime!
Why This Is The Best Mid-Premium Card in 2025?
3.75% unlimited cashback • 15X travel/dining • ₹2,500 voucher • 8+4 lounge visits • 12 golf rounds • 2% forex • Fee waiver ₹2.5L
Best for: High spenders, travellers, golfers, unlimited reward lovers
Fee Waiver Offer – ₹2,499 waived on ₹2.5 Lakh annual spend
Card At a Glance
₹2,499 + GST
₹2,499 + GST (Waived on ₹2.5L spend)
5X all | 15X travel/dining/online
Reward Points (1 pt = ₹0.75)
1% (up to ₹500/month)
Statement Credit / Vouchers
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹2,499 + GST |
| Annual Fee | ₹2,499 + GST (Waived on ₹2.5L spend) |
| Welcome Benefit | ₹2,500 Voucher (Amazon/Flipkart) |
| Rewards Redemption Fee | Nil |
| Foreign Currency Markup | 2% + GST |
| Interest Rate | 3.49% per month |
| Fuel Surcharge Waiver | 1% (max ₹500/month) |
| Cash Advance Fee | 2.5% or ₹500 |
Detailed Reward Rates (2025)
- 15X Reward Points on Travel, Dining, Online spends
- 5X Reward Points on all other retail spends (no cap)
- 1X on wallet, fuel, rent, government
- 1 Reward Point = ₹0.75 (highest value in India)
- Instant redemption as statement cashback or vouchers
Airport Lounge Access
8 Domestic + 4 International complimentary visits per year via Dreamfolks
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- Purchase protection ₹50,000
- Zero lost card liability
- 12 complimentary golf rounds/lessons per year
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 3.75% unlimited cashback (5X points) | ₹2,499 fee (though easily waived) |
| 15X on travel/dining/online | No reward on rent/wallet |
| 8+4 lounge visits + 12 golf rounds | Lounge via Dreamfolks (sometimes crowded) |
| 2% forex markup | |
| ₹2,500 welcome voucher |
Eligibility Criteria & Documents Required
- Age: 21–65 years
- Minimum Income: ₹12 Lakh ITR or ₹75K/month salary
- Credit Score: 750+
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit Bank of Baroda website → Credit Cards → Eterna
- Click Apply Now → Fill details
- Upload documents → Video KYC
- Card delivered in 10–15 days
Final Verdict – Should You Get It in 2025?
If you spend ₹50,000+ monthly and want unlimited 3.75% cashback + lounge + golf at just ₹2,499 fee (easily waived), BOB Eterna is the highest rewarding mid-premium card in India right now. Beats most ₹10K fee cards in real value!
Frequently Asked Questions (FAQs)
How much cashback do I really get?
3.75% on all spends, up to 11.25% on travel/dining/online.
Is fee waived?
Yes, ₹2,499 waived on ₹2.5 Lakh annual spend.
Lounge access?
8 domestic + 4 international per year.
Golf benefit?
12 complimentary rounds or lessons per year.