BOBCARD ETERNA Credit Card Review: Lifetime Free Offer (Until Dec 31, 2025)
Published: 11 November, 2025
BOBCARD ETERNA Credit Card: Is It Really Lifetime Free? (Offer Ends Dec 31, 2025)
Hey everyone. If you're deep in the credit card game, you know the word "premium" usually comes with a hefty annual fee. That's why this new offer from BOBCARD caught my eye. They're offering their top-tier ETERNA Credit Card as absolutely lifetime free.
No catch? Well, there's one: you have to apply by December 31, 2025.
I've gone through all the details, and this is a genuinely fantastic finance deal if you qualify. Let's break down exactly what you get and whether it's the right card for you.
Want to skip the review and grab the offer?
Here's the exclusive link. [Apply Now for Your Lifetime Free ETERNA Card]
What is the BOBCARD ETERNA Card's Lifetime Free Offer?
*BOBCARD ETERNA Credit Card Application Journey Screenshot
It's simple. Usually, this credit card costs ₹2,499 + GST every single year. But if you apply through our link by December 31, 2025, you will never pay a joining fee or an annual fee. For life. This is a massive saving and makes the card's premium perks incredibly valuable.
The Main Event: How Does "Unlimited" Lounge Access Actually Work?
This is the card's biggest travel perk, but you need to know the rule. The BOBCARD ETERNA card gives you unlimited complimentary domestic lounge access, but it's not "unconditional."
Here is the criteria to unlock it: To get your unlimited access, you must have spent ₹40,000 in the previous calendar quarter.
Good News for New Cardholders: This spending rule is waived for the first quarter your card is issued. So, you get instant access as soon as you receive your credit card.
[Get Your Lifetime Free ETERNA Card and Unlimited Lounge Access Here]
How Do You Earn Reward Points? (The 15x Bonus)
This card is built for spending on online shopping and lifestyle. Here’s the rewards structure:
15 Reward Points / ₹100: You earn this fantastic rate on all online shopping, travel bookings, dining, and movie tickets. This also applies to international spends.
3 Reward Points / ₹100: You get this on all other spends.
There is a cap of 5,000 points per month on the 15x category, but that's still a lot of bonus points.
What is the Value of BOBCARD Reward Points?
This is a key question, and the answer is simple: 1 Reward Point = ₹0.25.
You can redeem your points as direct cashback against your statement balance, which is the easiest and most flexible option. So, 10,000 points = ₹2,500.
Let's Talk About the Milestone Bonuses (This is Extra Cashback)
This is where the card's value really shines. The ETERNA card rewards you at two key stages:
Welcome Milestone: When you spend ₹50,000 in the first 60 days, you get 10,000 bonus reward points. This is worth ₹2,500. Think of it as a 5% cashback on your first ₹50,000 of spending.
Annual Milestone: When you spend ₹5 Lakhs in a year, you get 20,000 bonus reward points. That's another ₹5,000 in your pocket, effectively an extra 1% reward rate on your total annual spends.
[Apply Here to Secure Your Bonus Points and Lifetime Free Offer]
What Are the Other Key Benefits?
Beyond the big hitters, the ETERNA has other solid perks:
Low Forex Fee: At 2%, its foreign currency mark-up is lower than the standard 3.5% on most cards, making it a good companion for international travel.
RuPay + UPI: The card is on the RuPay network. You can link it directly to your UPI apps (like Google Pay, PhonePe) and earn reward points on all your small UPI transactions. This is a huge win.
BOGO Movies: You get a "Buy One, Get One" free movie ticket offer on the District app every month (up to ₹250).
Insurance: It includes a ₹1 crore air accident cover and a ₹10 lakh cover for other accidental death.
What Are the Fees and Charges?
With our lifetime free offer (valid till Dec 31, 2025), the main fees are waived.
Joining Fee: ₹0 (Waived from ₹2,499)
Annual Fee: ₹0 (Waived from ₹2,499)
However, like any credit card, it has other finance charges you must know:
Interest (Finance Charge): 3.25% per month (39% p.a.). My advice: Always pay your bill in full to avoid this.
Cash Withdrawal Fee: 2.50% of the amount (min. ₹500). My advice: Never withdraw cash on a credit card.
Who is Eligible for the BOBCARD ETERNA?
This is a premium card, so the eligibility is a bit high. This is what you'll need:
Income: A net annual income of at least ₹12 Lakhs.
Status: Must be an Indian resident.
Age: 21-60 years (salaried) or 24-65 years (self-employed).
My Final Verdict: Should You Get This Card?
Honestly, if this card had its usual ₹2,499 fee, I'd say it's a "maybe"—you'd have to calculate if your lounge use and rewards offset the cost.
But as a Lifetime Free card? It's an absolute yes.
You are getting high-end travel perks, a powerful 15x reward points rate on online shopping, and valuable milestone bonuses, all for zero cost. It's the perfect "second card" for a high-income individual—use it for its specific benefits (lounge, online spends) and enjoy the perks for free, forever.
Don't wait on this. The December 31, 2025 deadline is firm.
Frequently Asked Questions (FAQs) - BOBCARD ETERNA
About the Lifetime Free Offer
Q: Is the BOBCARD ETERNA credit card really lifetime free? A: Yes, it is, but this is a special, limited-time offer. You must apply by December 31, 2025, to get the card with no joining fee and no annual fee, for life.
[Click Here to Apply for Your BOBCARD ETERNA Card Now!]
Q: What is the normal annual fee if I miss this offer? A: If you apply after the promotion ends, the card has a standard joining fee and an annual renewal fee of ₹2,499 + GST.
Q: How would I get the annual fee waived normally (after the offer ends)? A: Under the standard terms, the joining fee is waived if you spend ₹25,000 in the first 60 days. The annual fee for subsequent years is waived if you spend ₹2.5 Lakhs in the previous year. (But by applying before Dec 31, 2025, you don't have to worry about this!)
Travel & Lounge Access
Q: Is the BOBCARD ETERNA's lounge access really unlimited? A: Yes, it offers unlimited complimentarydomestic lounge access, but there is one condition. To unlock this benefit, you must have spent ₹40,000 in the previouscalendar quarter.
Q: Is the spending condition for lounge access active immediately? A: No, the spending requirement is waived for the first quarter after your card is issued. This means you can start using the lounge access benefit right away.
Q: What is the foreign currency (forex) mark-up fee? A: The card has a low foreign currency mark-up fee of just 2% of the transaction amount. This is a great feature for international travel, as many other cards charge 3.5% or more.
Rewards and Cashback
Q: What is the reward rate on this card? A: It's excellent for specific categories. You get:
15 Reward Points for every ₹100 spent on Online Shopping, Travel, Dining, Movies, and International spends.
3 Reward Points for every ₹100 spent on all other categories, including utility bills.
Q: Is there a cap on the 15x bonus points? A: Yes, there is. You can earn a maximum of 5,000 reward points per statement cycle from the accelerated 15x categories.
Q: Can I get cashback with this card? A: Yes. The reward points you earn can be redeemed directly for cashback against your statement balance, which is the most flexible option.
Q: What is the value of one reward point? A: 1 Reward Point = ₹0.25. This means 10,000 points are worth ₹2,500 in cashback.
Do I get points for paying utility bills or fuel? A: You do earn 3 points per ₹100 on utility bill payments (like electricity, gas, and water). However, you do not earn any reward points on fuel transactions.
Q: What is the minimum amount of points I need to redeem? A: You must have a minimum of 1,000 Reward Points in your account before you can make a redemption.
Milestone Benefits
Q: What is the value of the milestone bonuses? A: The card has two main milestone bonuses:
Welcome Milestone: You get 10,000 bonus points (worth ₹2,500) when you spend ₹50,000 in the first 60 days. This is like getting 5% cashback on that initial spend.
Annual Milestone: You get 20,000 bonus points (worth ₹5,000) every time your total annual spending crosses ₹5 Lakhs. This is an extra 1% return on your annual spends.
Other Features & Benefits
Q: Can I link this card to UPI apps like Google Pay or PhonePe? A: Yes. The BOBCARD ETERNA is available on the RuPay network, which means you can easily link it to your UPI apps. This is a fantastic feature as you can earn reward points on your UPI payments.
Q: What are the other welcome benefits? A: Besides the 10,000-point milestone bonus, you also get a 6-month complimentary FitPass Pro membership as a welcome gift, giving you access to thousands of gyms and fitness studios.
Q: Does this card have any movie or fuel benefits? A: Yes. You get a "Buy One Get One" (BOGO) offer on movie tickets booked via the District app (up to a max benefit of ₹250 per month). You also get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (up to ₹250 per month).
Eligibility & Charges
Q: What is the income needed for the BOBCARD ETERNA? A: This is a premium card. You need to have a minimum net annual income of ₹12 Lakhs to be eligible.
Q: What is the age criteria to apply? A: For salaried applicants, the age criteria is 21 to 60 years. For self-employed applicants, it is 24 to 65 years.
Q: What are the finance charges (interest)? A: The finance charge is 3.25% per month (which is 39% per annum). We strongly recommend paying your bill in full and on time every month to avoid these charges completely.
Disclaimer & Disclosure
Disclosure: We may earn an incentive if you apply for a credit card through the links provided in this article and are approved. This helps support our website and allows us to continue bringing you exclusive offers and credit card tips.
Disclaimer: The information provided in this blog post is based on details available at the time of writing. All benefits, fees, offers, and charges are subject to change by BOBCARD. Please read the terms and conditions carefully on the bank's official website before applying.