BOB CARD ETERNA Credit Card
BOB Bank of Baroda

Bank of Baroda Eterna Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹2,499

Renewal Fee: ₹2,499

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The Bank of Baroda Eterna Credit Card is a premium credit card offered by the bank. It provides exceptional rewards and exclusive benefits. With this credit card cardholders get a variety of benefits such as enhanced reward points, travel, and lifestyle Benefits. It comes at a competitive fee which makes it an easy choice for people who want a combination of value and luxury.

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All You Need To Know

Card Type

Rewards & Travel

Welcome Benefits
  • FitPass Pro Membership: With this credit card new cardholders receive a complimentary 6-month FitPass Pro membership worth ₹15,000 upon card issuance.
  • Bonus Reward Points: Users get a bonus of 10,000 reward points after spending ₹50,000 within the first 60 days
Rewards Points
  • Accelerated Rewards: It offers 15 reward points for every ₹100 spent on online shopping, travel, dining, and movie ticket purchases. But this has a reward points cap of up to 5,000 points per month.
  • Standard Rewards: cardholders also earn 3 reward points for the spending of every ₹100 on other categories.
  • Redemption: you can redeem reward points for cashback or you can also avail flight tickets, hotel reservations, and shopping, with 4 reward points equating to ₹1.
Milestone Benefits
  • Annual Bonus: Upon spending ₹5 lakh in a year users get a bonus of 20,000 reward points.
Travel Benefits
  • Lounge Access: After spending ₹40,000 in the previous quarter the cardholders enjoy unlimited domestic airport lounge access.
  • Foreign Currency Markup: The bank charges a Foreign Currency Markup fee of 2% on international transactions, which is lower than the average.
Lifestyle Benefits
  • Movie Offers: cardholders can also avail a 'Buy One Get One Free' offer on movie tickets booked through Paytm, with a maximum discount of ₹250 on the second ticket.
Insurance Coverage
  • Personal Accidental Death Cover: It offers a coverage of ₹1 crore for air accidents and ₹10 lakh for other accidents.
Fee Waivers
  • Joining Fee Waiver: The bank charges a joining fee of ₹2,499 which is waived if you spend ₹25,000 within the first 60 days.
  • Annual Fee Waiver: the cardholders can also get their annual fee waived by spending ₹2.5 lakh or more in the preceding year.

Fees and charges that apply to Bank of Baroda Eterna Credit Card:

Fee / Charge Amount/Rate
Annual Fee ₹2,499 (waived on spending ₹2.5 lakh annually)
Joining Fee ₹2,499 (waived on spending ₹25,000 within 60 days)
Interest Rate 3.25% per month (39% per annum)
Foreign Currency Markup 2% of the transaction amount
Cash Advance Fee 2.5% of the amount withdrawn, subject to a minimum of ₹500
Late Payment Charges Nil for amounts up to ₹500; ₹300 for amounts between ₹501 and ₹2,500; ₹500 for amounts above ₹2,500
Over Limit Penalty 1% of the over-limit amount per month
Card Replacement Fee ₹100 per card
Add-on Card Fee Nil (up to 3 add-on cards)
Minimum Repayment Amount As per bank's policy

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

Bank of Baroda Eterna Credit Card Eligibility:

Eligibility Criteria of Bank of Baroda Eterna Credit Card

  • Age: The age of the applicant should be 21 years or more.
  • Employment Status: Both salaried and self-employed individuals are eligible.
  • Income Requirement: Minimum annual income criteria as per the bank's policy.

Documents Required For Bank of Baroda Eterna credit card

  • Identity Proof: PAN Card (mandatory).
  • Address Proof: Aadhaar Card, Passport, Voter ID, or Driving License.
  • Income Proof: Salary slips, bank statements, or IT returns.
  • Photograph: Recent passport-sized photograph.

Note: Bank of Baroda may request additional documents as per their internal policies.

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FAQs

You can apply online through the Bank of Baroda's official website or visit the nearest branch with the required documents.

Yes, there is an annual fee of ₹2,499, which can be waived upon meeting the spending criteria.

Yes, cash withdrawals are allowed, subject to applicable fees and interest rates.

Yes, a 1% fuel surcharge waiver is applicable on fuel transactions of ₹400 or more, with a maximum waiver of ₹250 per month.

Up to 50 days of interest-free credit from the date of purchase.

You can access the following links to find detailed information and procedures related to managing your BOB Bank Credit Card

Check if you are eligible for Bank of Baroda Eterna Credit Card on
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