BOBCARD Eterna Credit Card Lifetime Free Offer [Nov 2025]

Bank of Baroda is offering the Eterna Credit Card as a “lifetime free” for a limited time. This means zero joining and annual fees for a limited time, according to official reports and many posts on online forums like this. 

This contrasts with its standard terms, which include a ₹2,499 + GST joining fee and an annual fee.

The campaign is ongoing as of late 2025, with discussions in popular online forums and social media. No official long-term declaration has been made that the “lifetime free” status will be permanent.

Source: Eterna Credit Card on Bank of Baroda Website

Standard Eterna offering (when not in promotion):

• Joining Fee: ₹2,499 + GST, waived on spending ₹25,000 within first the 60 days. (Bank of Baroda)  
• Annual Fee: ₹2,499 + GST, waived on spending ₹2,50,000 in every card anniversary year. (Bank of Baroda)

Eligibility & Application Details for Eterna Offer

• Aged between 21-65 years for salaried/self-employed applicants. 
• Minimum yearly income of ₹12 lakh.
• Must provide identity proof (PAN, Aadhaar, etc.), address proof and income documents. 

So, Is It Truly “Lifetime Free”?

Based on official BOBCARD sources and independent reports:

• The term “lifetime free” is used for a limited-time offer in which both the joining fee and the annual fee are waived upfront.
• This offer is not standard. Under normal circumstances, the card requires payment of fees, which can be waived via the spending thresholds detailed above. 
• Some users have reported getting the lifetime free version based on high salary, existing banking relationship, or during promotional windows. But there is no policy publicly stating that ETERNA is now permanently free for all. 

Features & Benefits of BOBCARD Eterna

As per the official page, here are the prominent benefits of having Eterna credit card: 

• Reward points: Earn 15 points per ₹100 spent (5x) on online shopping, travel, dining, and international spends. For other categories, 3 points per ₹100. Points redeemed at ₹0.25 per point.
• Welcome bonus & milestone incentives: 10,000 bonus points for spending ₹50,000 in first 60 days. Further 20,000 bonus points on annual spend of ₹5,00,000. 
• Domestic airport lounge access: Unlimited, subject to minimum ₹40,000 spend in the preceding calendar quarter. Effective from January 1, 2025.
• Reduced forex markup: Only 2% on foreign/international transactions.
• Movie offer: Buy 1 Get 1 free offer per month through the District app, with maximum discount of ₹250.
• Complimentary insurance cover: Personal accident cover of up to ₹1 crore for air accidents and ₹10 lakhs for non-air.
• Add-on cards: Up to 3 free add-on cards for immediate family members. 

What we think about this offer? 

The “lifetime free” claim serves as a powerful marketing hook. But readers should understand that it doesn’t mean zero conditions, even during the offer period, BOBCARD likely retains the right to reject the fee waiver or apply spend-based criteria in some cases. 

In financial product terms, “free” often comes with conditions like minimum spends, delayed waivers, and the possibility of reverting to standard fees in the future, if criteria aren’t met.

What the BOB Eterrna LTF Offer Means for You? 

• If you’re considering applying now, check whether the application link (or the promotional email/SMS) explicitly states “lifetime free” and get written confirmation from the bank. Don’t assume standard fee policies apply.
• If your annual spend is likely to exceed ₹2,50,000 per year and you can spend ₹25,000 within the first 60 days, the Eterna may offer strong value even under normal fee policies.
• For occasional users or those who might not meet the waiver criteria, other cards with unconditional lifetime free status may offer better net benefit.

Also Read:

• What real users think about Eterna Credit Card?
• Best credit cards for CAs by Bank of Baroda