BOBCARD (Bank of Baroda) · Premium
BOBCARD Eterna
Where it ranks across all 187 cards
#6 Dining out
3.8%
direct
#7 Hotels
3.8%
direct
portal reaches 7.5%
#8 Electronics
3.8%
direct
#9 Flights
3.8%
direct
#14 Online shopping
3.8%
direct
#16 Fashion
3.8%
direct
#54 Utility bills
0.8%
direct
#71 Jewellery & watches
0.8%
direct
#79 Gaming
0.8%
direct
#87 Mobile / broadband
0.8%
direct
#93 Train tickets
0.8%
direct
#99 Cabs & transit
0.8%
direct
#105 Other
0.8%
direct
#106 Health & pharmacy
0.8%
direct
#118 Food delivery
0.8%
direct
#118 Movies & events
0.8%
direct
Get an email if this card changes - sign in.
Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
0.75%base rate
3 pts / ₹100
source
Source: BOBCARD Eterna (bobcard.co.in) - bobcard.co.in - read 21 Aug 2026
15 RP / ₹100 on dining, travel, intl, online shopping (3.75%)
3.75%this rule
15 pts / ₹100
how it works & source
5X capped at 5,000 RP per statement cycle across these categories; beyond that, base rate applies. International spends also earn 5X. Min ₹100/txn to earn; UPI transactions earn no accelerated RP; Eterna points never expire (unique among BOBCARDs).
Source: BOBCARD Eterna (bobcard.co.in) - bobcard.co.in - read 21 Aug 2026
15 RP / Rs 100 on apparel and electronics bought online (online shopping)
3.75%this rule
15 pts / ₹100
how it works & source
5X capped at 5,000 RP per statement cycle across these categories; beyond that, base rate applies. International spends also earn 5X. Min ₹100/txn to earn; UPI transactions earn no accelerated RP; Eterna points never expire (unique among BOBCARDs).
Source: BOBCARD Eterna (bobcard.co.in) - bobcard.co.in - read 21 Aug 2026
Via portals & vouchersdisplay, never ranks
SmartDeal flights 12 RP/₹100 via BOBCARD app
via bobcard smartdeal
source
Source: BOBCARD features & rewards T&C 15 Jul 2026 (bank PDF) - media.bobcard.co.in - read 22 Aug 2026
3.0%
SmartDeal hotels 30 RP/₹100 via BOBCARD app
via bobcard smartdeal
source
Source: BOBCARD features & rewards T&C 15 Jul 2026 (bank PDF) - media.bobcard.co.in - read 22 Aug 2026
7.5%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on11 exclusions
Fuel
earns nothing
Fuel earns nothing on any BOBCARD except HPCL Energie (1% surcharge waiver instead, max ₹250/cycle).
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: BOBCARD product features & rewards T&C (bank PDF, 15 Jul 2026) - media.bobcard.co.in - read 22 Aug 2026
Rent
earns nothing
Rent (Annexure 1) earns no core or accelerated points.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: BOBCARD product features & rewards T&C (bank PDF, 15 Jul 2026) - media.bobcard.co.in - read 22 Aug 2026
Wallet load
earns nothing
Wallet loads earn nothing.
→ use FIRST Private here (6.6%)
detail & source
categories: Wallet load · MCCs: 6539, 6540, 6541, 6542, 6543
Source: BOBCARD product features & rewards T&C (bank PDF, 15 Jul 2026) - media.bobcard.co.in - read 22 Aug 2026
FASTag recharge, IRCTC (train tickets)
earns nothing
Transportation earns nothing.
→ use FIRST Private here (6.6%)
detail & source
merchants: FASTag recharge, IRCTC (train tickets) · MCCs: 4111, 4112, 4131, 4784, 4789
Source: BOBCARD product features & rewards T&C (bank PDF, 15 Jul 2026) - media.bobcard.co.in - read 22 Aug 2026
Government / tax
earns nothing
Government earns nothing.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9211, 9222, 9311, 9399, 9402, 9405
Source: BOBCARD product features & rewards T&C (bank PDF, 15 Jul 2026) - media.bobcard.co.in - read 22 Aug 2026
Education
earns nothing
Education earns nothing.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8211, 8220, 8241, 8244, 8249, 8299
Source: BOBCARD product features & rewards T&C (bank PDF, 15 Jul 2026) - media.bobcard.co.in - read 22 Aug 2026
Doctors and physicians, Hospitals
earns nothing
Hospitals earn nothing (Annexure 1).
→ use FIRST Private here (6.6%)
detail & source
MCCs: 8011, 8062
Source: BOBCARD product features & rewards T&C (bank PDF, 15 Jul 2026) - media.bobcard.co.in - read 22 Aug 2026
Insurance
earns nothing
Insurance earns nothing.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 5960, 6300
Source: BOBCARD product features & rewards T&C (bank PDF, 15 Jul 2026) - media.bobcard.co.in - read 22 Aug 2026
Groceries
earns nothing
UNUSUAL: supermarket/convenience/variety retail MCCs are on the exclusion annexure - grocery earns nothing on BOBCARD.
→ use FIRST Private here (6.6%)
detail & source
categories: Groceries · MCCs: 5261, 5331, 5411, 5499
Source: BOBCARD product features & rewards T&C (bank PDF, 15 Jul 2026) - media.bobcard.co.in - read 22 Aug 2026
Fast food restaurants
earns nothing
Fast-food MCC 5814 excluded (dine-in 5812 earns; food-delivery apps typically post as 5814 - flagged).
→ use HSBC Live+ here (10.0%)
detail & source
MCCs: 5814
Source: BOBCARD product features & rewards T&C (bank PDF, 15 Jul 2026) - media.bobcard.co.in - read 22 Aug 2026
EMI
earns nothing
EMI excluded; transactions under ₹100 earn nothing; UPI-on-credit-card earns no accelerated points; utility 4900 earns core only.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: BOBCARD product features & rewards T&C (bank PDF, 15 Jul 2026) - media.bobcard.co.in - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.