BOB Financial Eterna Credit Card
BOB Financial
Rewards 2.5%
Net Value ₹22,064
Joining Fee ₹2,499
Renewal Fee ₹0
Unlimited lounge access • Forex 2.0%
BOBCARD Eterna (Legacy)
BOB Financial
Premium lifestyle credit card with unlimited domestic lounge access
Joining Fee
₹2,499
+ 18% GST
First Year Net
+₹34,115
Annual Fee
₹2,499
+ 18% GST
Renewal Net
+₹19,115
Base Reward Rate
0.8%
3 points per ₹100
Best Category
3.8%
Final Net Score
41
out of 100
Net Annual Value
+₹22,064
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
41/100
Effective Reward Rate
Weighted average based on your spending categories
2.5%
Annual Net Value
Expected yearly benefit after all costs
₹22,064
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Premium lifestyle credit card with unlimited domestic lounge access
Launch Date
2024
Networks
RuPay, Visa, Mastercard
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹15,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹22,064
Fee outcome
Fee likely waived
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 20,833 monthly spend.
- Milestone bonus: 20,000 bonus reward points adds value near 41,667 monthly spend.
- Top earning category: dining has elevated rewards, which can improve value when your spend matches it.
Details
Spend curve and supporting scenario values
BOBCARD Eterna (Legacy) - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹2,499
- Foreign Transaction: 2.0%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 0.8% reward rate
- Lounge Access: Available
- Our Rating: 41/100
BOBCARD Eterna (Legacy) - Frequently Asked Questions
What are the benefits of BOBCARD Eterna (Legacy)?
BOBCARD Eterna (Legacy) from BOB Financial offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for BOBCARD Eterna (Legacy)?
BOBCARD Eterna (Legacy) is ideal for individuals looking for reward-focused spending. Minimum credit score requirements apply.
How much does BOBCARD Eterna (Legacy) cost?
The annual fee for BOBCARD Eterna (Legacy) is ₹2,499. Additional charges may include foreign transaction fees and late payment charges.
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