BOBCARD ETERNA

3.75% eligible online, dining and travel; 0.75% other. Check merchant code, channel and card eligibility before relying on the estimate.

Where it pays

15 points per ₹100 on eligible online, dining (MCC 5812), travel (MCC 4722), and international spend. The accelerated tier shares a 5,000-point cap per statement cycle, then earns three base points per ₹100. Each point redeems for ₹0.25 as statement cashback, yielding 3.75% accelerated or 0.75% base; statement redemption needs at least 1,000 points. Assumes transactions of at least ₹100 and a valid online/MCC flag; UPI gets base points only. Fuel and select MCCs excluded. ₹2,499 joining/renewal, latter waived after ₹2.5 lakh anniversary spending; limited free promotions, milestone points and lounge/movie value are omitted. Current BOBCARD product terms and July 2026 reward rules: https://media.bobcard.co.in/media/0h5cim12/features-and-rewards-important-terms-conditions-15072026.pdf . Bank of Baroda confirms cashback redemption: https://bankofbaroda.bank.in/personal-banking/digital-products/cards/credit-cards/eterna

Issuer source

https://www.bobcard.co.in/credit-card-types/eterna

Checked 27 Sep 2026. One category repeated monthly; actual points, transaction sizes and shared caps may differ. Welcome, milestone and special offers not counted. Check issuer terms before applying.