BOB Eterna cashback rate, cap and annual fee
BOB Eterna pays 3.75% on dining — on the first INR 33,300 you spend on it each month, which is where the INR 1,250 cap stops it. The card costs INR 2,499 a year.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
Bank of Baroda · India · catalogue v117
Read from Bank of Baroda's own published terms on 29 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| dining | 3.75% | INR 1,250reached at INR 33,300 of spend15 Reward Points per ₹100 at restaurants (MCC 5812). Shares one 5,000-point accelerated allowance a statement cycle across the 5X categories. |
| online and delivery | 3.75% | INR 1,250reached at INR 33,300 of spend15 Reward Points per ₹100 on online spends. Shares one 5,000-point accelerated allowance a statement cycle across the 5X categories. |
| travel agencies (MCC 4722)travel | 3.75% | INR 1,250reached at INR 33,300 of spend15 Reward Points per ₹100 at travel agencies (MCC 4722). Shares one 5,000-point accelerated allowance a statement cycle across the 5X categories. |
| International purchaseseverything else | 3.75% | INR 1,250reached at INR 33,300 of spend15 Reward Points per ₹100 on international spends. Shares one 5,000-point accelerated allowance a statement cycle across the 5X categories. |
| travel | 0.75% | —Other travel earns the core rate. |
| everything else | 0.75% | —3 Reward Points per ₹100 on other categories. |
| fast food restaurants | None | —Fast food (MCC 5814) is on BOBCARD's no-points list. |
| rail, bus, local transport and tolls | None | —Rail, bus, local transport and tolls earn no points. |
| groceries | None | —Supermarkets and grocery (MCC 5411, 5499, 5331, 5261) are on BOBCARD's no-points list. |
| fuel | None | —Fuel earns no points. |
| rent and property | None | —Rent earns no points. |
| government | None | —Government payments earn no points. |
| education | None | —Education earns no points. |
Questions people ask
What cashback does the BOB Eterna pay?
3.75% on dining, and 5 other rates. The top rate is capped at INR 1,250 a month.
Is there a cap on the BOB Eterna?
Yes. dining is capped at INR 1,250 a month; online and delivery is capped at INR 1,250 a month; travel agencies (mcc 4722) is capped at INR 1,250 a month; and so on.
What is the annual fee on the BOB Eterna?
INR 2,499 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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