SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, dining, and online.
Why it can work
It combines complimentary airport lounge access, a low 2% forex markup, and accelerated rewards on travel, dining, online, and international spends.
Where value may drop
Fuel don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 27,000 |
| Dining & food delivery | Rs 4,000 | 7,200 |
| Travel (cab, train, etc.) | Rs 5,000 | 9,000 |
| International spends | Rs 5,000 | 9,000 |
| Other spends | Rs 8,000 | 2,880 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Travel, Dining, Online, And International Spends
15 reward points per Rs 100
Best for airport lounge access
Unlimited complimentary lounge visits a year across domestic and international.
Best for international spends
A low 2% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Travel, dining, online, and international spends | 15 reward points per Rs 100 | 5,000 reward points |
| Other eligible spends | 3 reward points per Rs 100 | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Unlimited complimentary domestic lounge access requires Rs 40,000 net spends in the preceding calendar quarter.
- For newly issued fresh cards, the spend threshold is waived in the quarter of card issuance; if the card is issued in the last month of a quarter, the waiver extends through the following quarter.
- Interest, fees, reversed transactions, and EMI instalments are excluded from the lounge-eligibility spend calculation.
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Cash advance / cash withdrawal transactions
- Fees and charges (joining fee, annual fee, finance charges, and other levied charges)
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Free personal accident death cover: air Rs 1 crore, non-air Rs 10 lakh
- Up to 3 lifetime free add-on cards
Latest updates
Recent changes to this card.
- BOBCARD is offering a limited-period lifetime free card offer for new Eterna applicants through 30 June 2026.
Eligibility
Check this before you apply.
Salaried
- Resident Indian
- Age between 21 and 65 years
- Annual income of Rs 12 lakh or more
Self-employed
- Resident Indian
- Age between 21 and 65 years
- Annual income of Rs 12 lakh or more
Compare before you decide
Alternatives based on what you might want instead.
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