Meet these thresholds and you're likely to be approved. Final call is BOB Financial's.
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
Plays grounded in this card's specific levers. Updated each time BOB Financial tweaks the program.
Accelerated earning caps at 5,000 RP per statement cycle — that is ~₹33,334 across Dining, Travel, Online, Movies or International combined. Beyond the cap you drop to the 0.75% base. Spread spend across the month to avoid capping mid-cycle.
Since 1 January 2025 the unlimited-domestic-lounge perk gates on ₹40,000 of spend in the preceding quarter. At ~₹13,400/month you keep unlimited access across 60+ lounges — a high-ROI gate if you fly even twice a quarter.
Spend ₹50,000 in the first 60 days and bag 10,000 bonus reward points (₹2,500 value). Combined with the ₹15,000 FitPass Pro welcome, year-one yield is ~₹17,500 — nearly 6× the ₹2,949 annual fee even before regular earning.
The ₹5,00,000 annual milestone drops 20,000 bonus RP (₹5,000 value) and also doubles as the soft-luxury spend tier. Since the annual-fee waiver hits at just ₹2,50,000, every rupee above that point compounds toward the bonus — don't stop at the waiver.
Redemption value is a flat ₹0.25 per RP via statement credit or the BOB portal, minimum 1,000 RP per redemption. Stack at least 4,000 RP before clicking — it stretches a single-trip worth of 5X dining into a ₹1,000+ credit instead of crumbs.
The District-by-Zomato Buy-1-Get-1 caps the second-ticket discount at ₹250. Pair it with 5X movie earning (3.75% back) and you effectively net ~₹275 on a ₹500 pair of tickets — the cheapest premium-card movie lever in its tier.
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
Charges below are base amounts; GST applies where applicable.
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
unlimited domestic visits per year. Primary cardholder.
₹15,000 Welcome reward points.
Air accident cover, lost-card liability, emergency card replacement abroad.
List fees are ₹2,499 + 18% GST — ₹2,949 all-in joining and annual. BOBCARD waives the next-year annual fee on ₹2,50,000 of spend in the anniversary year (~₹20,834/month). The product page has carried a promotional lifetime-free offer, but our flagged `valid_till` of 2026-03-31 has passed — confirm the current campaign before applying.
Last verified 17 Sep 2026.
Last verified 17 Sep 2026. Sources: BOBCARD Eterna product page, BOBCARD MITC/KFS 2025 documents, BOBCARD Features and Rewards Terms and Conditions, BOBCARD Lounge Access Program Terms and Conditions, BOBCARD tariff change notice (effective Jan 1, 2025), PerkPilot editorial — maximize_plays authored 2026-04-18 from card JSON levers, PerkPilot editorial — faq authored 2026-04-18 from card JSON levers, bobcard.co.in. Next scheduled review: 17 Mar 2027.
