Bank of Baroda’s credit card arm, BOBCARD, has been offering a limited-time Lifetime Free (LTF) offer on several of its credit cards. For a limited period, the bank is waiving both the joining and annual fees on some of its mainstream cards, allowing new cardholders to keep the cards without any annual cost. The offer is currently expected to be available until March 31, 2026, depending on the specific card.
The promotion applies to a range of cards, including entry-level, travel-focused, and premium offerings. Normally, these cards carry annual fees ranging from INR 500 to INR 2,499, which are now waived for the lifetime of the card if issued during the promotional period.
Here is a closer look at the cards currently available under the BOBCARD Lifetime Free promotion.
BOBCARD Eterna Credit Card
The BOBCARD Eterna is the most premium card being offered under this promotion. Under normal circumstances, the card carries an INR 2,499 joining and annual fee, but during the promotional window, it can be issued as a lifetime free card. The card is positioned as a lifestyle and rewards product and typically targets higher-income customers.
Key features include accelerated reward earnings and strong travel benefits. Cardholders can earn higher reward rates on categories such as dining, travel, and online spending, which can translate into returns of roughly 3–4% depending on the redemption option.
Travel benefits are also a major part of the package. The card offers complimentary airport lounge access and lifestyle privileges, along with movie ticket offers and milestone rewards.
Eligibility requirements are also higher than most Bank of Baroda cards. Applicants generally need an annual income of roughly INR 12 lakhs or above, making it a card targeted at upper-middle-income consumers.
For those who can get approved, the Eterna card becoming lifetime free is particularly noteworthy because it is the bank’s flagship rewards card.
BOBCARD Premier Credit Card
Another card currently available under the Lifetime Free promotion is the BOBCARD Premier Credit Card. Normally priced at INR 1,000 annually, the card is now available with zero joining and renewal fees during the promotional period.
The Premier card is positioned as a travel-oriented credit card. It provides reward points on spending, along with benefits typically aimed at frequent travellers and lifestyle users. While not as premium as Eterna, the Premier card can still offer useful benefits such as reward points on everyday spending and travel privileges depending on usage patterns.
The income requirement for this card is also lower, generally around INR 7.2 lakh annual income, making it more accessible to a broader audience than the Eterna card.
Apply for BOBCARD Premier here
BOBCARD Easy Credit Card
For those looking for a simpler entry-level product, the BOBCARD Easy Credit Card is also available under the LTF promotion. The Easy card normally carries an INR 500 annual fee, which is waived during the promotional period if issued as a lifetime free card.
The card focuses on everyday spending categories. It offers accelerated reward points on categories such as groceries, movies and departmental stores, with standard rewards on other spends. The reward structure is simple: users typically earn 5X rewards on select everyday categories and base rewards elsewhere.
This card is meant for customers who want a no-frills rewards credit card for daily spending without worrying about annual fees.
BOBCARD Select Credit Card
Another card currently being offered under the limited-time Lifetime Free promotion is the BOBCARD Select Credit Card. Under normal circumstances, the card carries INR 750 joining and annual fees, though these fees can be waived based on spending milestones. As part of the current promotion, BOBCARD is offering the card for lifetime free if issued before March 31, 2026, removing the need to meet annual spend thresholds to avoid fees.
The Select card is positioned primarily as a rewards card for online shopping and lifestyle spending. It offers accelerated reward points in categories such as online shopping and dining, making it attractive to customers who do a significant share of their spending digitally. New cardholders can also receive a welcome bonus of 500 reward points after spending INR 5,000 within the first 60 days of card issuance, which provides a small initial boost to the rewards balance.
Which BOBCARD Lifetime Free credit card should you consider?
With four different cards — Eterna, Premier, Select, and Easy — available as Lifetime Free for now, the right choice will depend largely on your spending pattern.
At the top of the stack sits the BOBCARD Eterna, which is typically positioned as the bank’s premium lifestyle card. It offers higher reward-earning rates on categories such as dining, travel, and online spending, along with stronger travel benefits, including airport lounge access and milestone rewards. Under normal circumstances, the card carries an INR 2,499 annual fee, so getting it issued as a Lifetime Free card is arguably the most valuable part of the current promotion.
For travellers who want lounge access without stepping into premium-card territory, the BOBCARD Premier is the middle ground. The card provides accelerated rewards on travel, dining and international spending, and typically offers one complimentary domestic airport lounge visit per quarter, subject to spending thresholds.
The BOBCARD Select sits a notch below Premier but is designed for customers who spend heavily online. It offers 5 reward points for every INR 100 spent on online purchases and dining, while other spending earns 1 reward point for every INR 100. The accelerated rewards are capped at around 1,000 bonus points per month, after which the base reward rate applies.
For customers who simply want a no-nonsense entry-level credit card, the BOBCARD Easy Credit Card remains the simplest option. The card offers accelerated rewards in select categories, such as department stores and movies, while still providing standard benefits like fuel surcharge waivers and reward points on everyday spending.
One thing to keep in mind is that Bank of Baroda’s credit cards generally offer reward redemption values in the range of INR 0.20 to INR 0.25 per point, depending on how the points are redeemed for cashback or vouchers. The key takeaway is simple:
- Eterna makes the most sense if you qualify for it and want a premium card.
- Premier works best for travellers who want lounge access and travel rewards.
- Select is geared toward online shoppers and dining spenders.
- Easy is the entry-level option for everyday spending.
Bottomline
Lifetime Free credit card offers are not unusual in India, but they typically apply to entry-level cards. What makes the current BOBCARD promotion noteworthy is that it spans multiple tiers of the bank’s portfolio, from the entry-level Easy card to the mid-tier Select and Premier cards, and even the premium Eterna card.
For those looking to pick up an additional credit card without worrying about annual fees, locking in one of these cards as Lifetime Free could be worthwhile — especially for the higher-tier cards, which typically carry significant annual fees.
As always, approvals will depend on your credit profile, income eligibility and the bank’s internal underwriting policies.
What do you think of the new BOBCARD deals for lifetime free credit cards?
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