About Bank of Baroda ETERNA Credit Card
The Eterna Credit Card by BOBCARD is a premium offering designed for high-value users. It comes with a complimentary FitPass Pro membership and 10,000 bonus reward points as a welcome gift, effectively covering the joining fee of ₹2,499 + GST.
This card offers a wide range of benefits, including unlimited domestic lounge access, accelerated rewards on dining, and air accident insurance coverage of ₹1 crore, along with several other premium features. Cardholders can earn 15 reward points for every ₹100 spent on online, travel, dining, and movie purchases. Additionally, the foreign currency markup fee is just 2%, which is lower compared to most other premium cards.
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Bank of Baroda ETERNA Credit Card Rewards Program
BOBCARD Eterna Credit Card Reward Rate
- Accelerated Rewards: Earn 15 Reward Points for every ₹100 spent on online shopping, travel, dining, movies, and international transactions. Maximum 5,000 points per statement cycle.
- Standard Rewards: Earn 3 Reward Points for every ₹100 spent on all other eligible categories, including utility bill payments like electricity, gas, and water.
- Exclusions: No Reward Points are earned on fuel purchases.
Reward Redemption
- Redeem points as cashback against your credit card statement balance.
- Use points for various redemption options like hotel, flight, or movie tickets, mobile recharge, shopping, and more via the BOBCARD reward portal.
- Value: 1 Reward Point = ₹0.25.
- Minimum 1,000 Reward Points required for redemption.
Other Features and Benefits
Welcome Benefit
- Complimentary FitPass Pro Membership worth ₹15,000.
Milestone Spend Benefits
- 10,000 bonus points on spending ₹50,000 within 60 days of card issuance.
- 20,000 bonus points on spending ₹5 lakh in a year.
Lounge Access
- Free unlimited domestic lounge access on spending ₹40,000 in the previous quarter.
Fee Waiver
- Joining fee waived on spending ₹25,000 in the first 60 days.
- Annual fee waived on spending ₹2.5 lakh or more in a year.
Forex Mark-up Fee
- Only 2% on foreign transactions.
Movie Offer
- Buy 1 Get 1 Free movie ticket via Paytm Movies (maximum discount ₹250 on the second ticket).
Insurance Cover
- Personal Accidental Air Death: ₹1 crore
- Personal Accidental Non-Air Death: ₹10 lakh
Fuel Surcharge Waiver
- 1% waiver on fuel spends of ₹400 or more (maximum ₹250 per month).
0 Liability on Lost Card
- No liability for fraudulent transactions on reported lost cards.
Fees and Charges
| Type of Fees or Charge | Amount |
| Joining Fee | Rs. 2,499 |
| Annual Fee | Rs. 2,499 |
| Cash Withdrawal Charges | 2.5% / Min. Rs. 500 |
| Finance Charge | 3.49% p.m. | 41.88% p.a. |
| Cheque Return Charges | Min. Rs. 300 | 2% of the amount |
| Foreign Currency Transaction Fee | 2% of the transaction amount |
| Unblocking Charge | Rs. 300 |
| Late Payment Charges | Amount less than Rs. 100 – Nil
Amount between Rs. 100 and Rs. 500 – Rs. 100
Amount between Rs. 501 and Rs. 1,000 – Rs. 400
Amount between Rs. 1001 and Rs. 10,000 – Rs. 600
Amount between Rs. 10,001 and Rs. 25,000 – Rs. 800
Amount Greater than Rs. 25,000 – Rs. 950 |
| Cheque Return Charges | 2% of the cheque amount or Min. Rs. 450 |
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Things to Know Before you apply
Get this card if:
- You frequently spend on travel, dining, movies, and online shopping.
- You want premium benefits like unlimited domestic lounge access.
- You are looking for a high reward credit card with accelerated reward points.
- You want comprehensive insurance coverage including air accident and non-air accident protection.
- You are willing to meet spend milestones for bonus reward points and fee waivers.
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Document Required For Bank of Baroda ETERNA Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Bank of Baroda ETERNA Credit Card Hilights
What do we like about this card?
- Welcome gift: FitPass Pro Membership worth ₹15,000
- Earn up to 15 Reward Points on travel, international spends, dining, and online shopping
- Unlimited free domestic lounge access
- Low foreign exchange markup fee of 2%
- Buy 1 Get 1 free movie ticket via Paytm
- Up to 20,000 bonus reward points as milestone spend benefit
- Personal accidental death insurance coverage up to ₹1 crore
Pros
- Complimentary FitPass Pro membership worth ₹15,000.
- Accelerated rewards: 15 points per ₹100 on select categories.
- Free unlimited domestic lounge access (conditions apply).
- Low foreign currency markup fee at 2%.
- Attractive milestone spend bonus points.
Cons
- High joining fee (₹2,499 + GST), though partially offset by welcome benefits.
- Rewards are not earned on fuel and wallet transactions.
- Annual fee is waived only after meeting spend thresholds.
Bank of Baroda Credit Card Contact Details
- Contact Address: BOB Financial Solutions Ltd. 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S. V. Road, Jogeshwari (West), Mumbai – 400102, Maharashtra, India
- Helpline: 1800 266 5100 (Toll-Free) +91 22 4206 1111 (International)
- Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number
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