BOBCARD Eterna
PremiumBOBCARD (Bank of Baroda)
Where it ranks · across all 71 cards
Reward rules
Points valued at ₹0.25/pt - conservative, what rankings use
Base rate - everything not covered below
3 pts / ₹100= 3 pts per ₹100
0.75%
conservative value
15 RP / ₹100 on dining, travel, intl, online shopping (3.75%)
15 pts / ₹100= 15 pts per ₹100
3.75%
conservative value
5X capped at 5,000 RP per statement cycle across these categories; beyond that, base rate applies. International spends also earn 5X. Min ₹100/txn to earn; UPI transactions earn no accelerated RP; Eterna points never expire (unique among BOBCARDs).
Source: BOBCARD Eterna (bobcard.co.in) · 2026-08-21
Milestones
₹50,000 / year
10,000 bonus RP (first 60 days)
worth ≈ ₹2,500
₹5,00,000 / year
20,000 bonus RP
worth ≈ ₹5,000
Earns nothing on
- ⊘ Fuel earns nothing on any BOBCARD except HPCL Energie (1% surcharge waiver instead, max ₹250/cycle).
- ⊘ Rent (Annexure 1) earns no core or accelerated points.6513bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Wallet loads earn nothing.65396540654165426543bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Transportation earns nothing.41114112413147844789bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Government earns nothing.921192229311939994029405bank MCC list→ use PVR INOX Kotak here (3.0%)
- ⊘ Education earns nothing.821182208241824482498299bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ Hospitals earn nothing (Annexure 1).80118062bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ Insurance earns nothing.59606300bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ UNUSUAL: supermarket/convenience/variety retail MCCs are on the exclusion annexure - grocery earns nothing on BOBCARD.5261533154115499bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Fast-food MCC 5814 excluded (dine-in 5812 earns; food-delivery apps typically post as 5814 - flagged).5814bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ EMI excluded; transactions under ₹100 earn nothing; UPI-on-credit-card earns no accelerated points; utility 4900 earns core only.
Plays with this card
- 🥇 Gold below parity - AJIO coins on the apparel MCC
AJIO (Reliance) still processes gold coins under an apparel MCC - the last marketplace where cards earn on gold. Bhima 1g bars have listed BELOW spot+GST during promos; stack BoB Eterna 3.75% online or HSBC Live+ 1.5% plus its recurring AJIO instant-discount offers and you buy gold under parity on a credit card.
Aug 2026 live check: 6×1g Bhima bars ₹96,822 on Eterna → ₹3,631 back → effective ₹15,532/g vs ₹16,488 spot+GST parity = 5.8% BELOW parity.