Research coverage — 12/16 categories
Bank of Baroda
BOBCARD ETERNA
Best forDining & Food Delivery
Earns15 RP/₹100 on dining
1st Year / Joining Fee
₹2,499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,50,000
annual spend
Network
Not recorded
Bank of Baroda
BOBCARD ETERNA
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on dining and food delivery, where it earns 15 RP/₹100
- Annual fee is waived at ₹2,50,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Dining15 RP/₹100
Food Delivery15 RP/₹100
Shopping15 RP/₹100
Travel15 RP/₹100
Groceries3 RP/₹100
All 16 reward categories · 12 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not a good fit | — | Rent payments (MCC 6513) excluded from reward points accrual per Section 3.2Details
|
| Education | Not a good fit | — | Education fees paid via aggregators excluded from reward points accrual per Section 3.2Details
|
| Insurance | — | — | Research pendingDetails
|
| Utilities | — | — | Research pendingDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 3 RP/₹100 | — | Core retail grocery spends earn 3 RP/₹100 per BOB-SRC-005Details
|
| Dining | 15 RP/₹100 | 5,000 RP per month | 15 RP/₹100 on Dining (MCC 5812)Details
|
| Food Delivery | 15 RP/₹100 | 5,000 RP per month | 5X accelerated rewards (15 RP/₹100) on online dining per BOB-SRC-005Details
|
| Shopping | 15 RP/₹100 | 5,000 RP per month | 5X accelerated rewards (15 RP/₹100) on online shopping per BOB-SRC-005Details
|
| Travel | 15 RP/₹100 | 5,000 RP per month | 15 RP/₹100 on Travel (MCC 4722)Details
|
| Government | Not a good fit | — | Government and tax payments (MCC 9311, 9399) strictly excluded from reward points accrual per BOBCARD Features & Rewards Terms Section 3.2Details
|
| Wallet | Not a good fit | — | Wallet loading transactions (MCC 6540) strictly excluded from reward points accrual per BOBCARD Features & Rewards Terms Section 3.2Details
|
| Railways | — | — | Research pendingDetails
|
| FASTag | — | — | Research pendingDetails
|
| Jewellery | 3 RP/₹100 | — | Core retail jewellery spends earn 3 RP/₹100 per BOB-SRC-005Details
|
| Telecom | 3 RP/₹100 | — | Telecom spends (MCC 4814) earn core 3 RP/₹100 per revision circular effDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹2,499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,50,000
annual spend
Reward caps
- Dining — 5,000 RP / month (per category — Dining)
Key benefits
Rewards
15 RP/₹100 on dining
Fee waiver
Annual fee waived on ₹2,50,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Dining rewards are capped at 5,000 RP / month (per category — Dining)
- No reward on: Fuel
- Not recommended for: Rent, Education, Government, Wallet
- Research pending: Insurance, Utilities, Railways, FASTag — not counted
Who should consider this card
✓ Good fit if
- Your spending is concentrated in dining, food delivery, shopping
- You can reach the ₹2,50,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, education, fuel, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 5 no-reward categories
Caps
- Dining — 5,000 RP / month (per category — Dining)
Categories with no reward or not eligible
- Rent — Not a good fit. Rent payments (MCC 6513) excluded from reward points accrual per Section 3.2.
- Education — Not a good fit. Education fees paid via aggregators excluded from reward points accrual per Section 3.2.
- Fuel — No reward.
- Government — Not a good fit. Government and tax payments (MCC 9311, 9399) strictly excluded from reward points accrual per BOBCARD Features & Rewards Terms Section 3.2.
- Wallet — Not a good fit. Wallet loading transactions (MCC 6540) strictly excluded from reward points accrual per BOBCARD Features & Rewards Terms Section 3.2.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to Bank of Baroda's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 8 areas
8 areas need further verification. None of these are counted as zero.
- • Insurance — research pending
- • Utilities — research pending
- • Railways — research pending
- • FASTag — research pending
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-26
Verification coverage: 12 of 16 categories verified · 4 still being verified
Card record last checked: 2026-09-26
Documents used
BOBCARD ETERNA Product Terms & Feature Schedule · BOB-SRC-005 · 2026-09-26
BOBCARD Features and Rewards Important Terms & Conditions · BOB-SRC-002 · 2026-09-26
BOBCARD Most Important Terms and Conditions (MITC) · BOB-SRC-004 · 2026-09-26