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Bank of Baroda
BoB Eterna Credit Card
Travel
Shopping
Movies
1st Year Fee: ₹2,499* Plus Applicable Taxes
Travel
Up to 10X bonus rewards on travel
Lounge Access
Unlimited domestic airport lounge access
Movie Offer
Buy 1 get 1 offer using District app
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About BoB Eterna Credit Card
Bank of Baroda Eterna Credit Card is a good all-rounder offering which provides decent value-back on multiple categories. Its reward structure comes with accelerated benefits on travel, online shopping, dining and international spends. Here, though all these spends accrue 5X rewards, travel spends made via BOBCARD SmartDeal let you further earn up to 10X extra rewards. However, when it comes to international spends, even though you get a value-back of 3.75%, you must also take in account the forex mark-up fee of 2% which makes the overall savings on such spends drop to around 1.75%.
In addition to the reward benefits, you can avail unlimited domestic lounge access and bonus reward points by meeting the spend-based conditions. This BoB Credit Card also lets you save up to Rs. 250 every month on movie tickets and comes with a low and easily achievable annual fee waiver condition. Read on to know more about the features and benefits of BoB Eterna card.
Welcome & Reward Benefits
Welcome Benefit
- Complimentary 6-months FITPASS Pro membership of Rs. 15,000
Accelerated Reward Rate1
- 15 Reward points per Rs. 100 spent on online shopping, travel, dining and international spends
Base Reward Rate2
- 3 Reward points per Rs. 100 spent on other categories
Bonus Reward Points
- Extra 12 Reward points per Rs. 100 spent on flights and extra 30 Reward points on hotels booked via BOBCARD SmartDeal
Reward Redemption
- 1 Reward Point = Rs. 0.25, redeemable as cashback
Other Features and Benefits
Airport Lounge Access
- Unlimited complimentary domestic lounge visits on spending Rs. 40,000 during the previous quarter
Movie Benefit3
- Buy 1 and get up to Rs. 250 off on the 2nd movie ticket on District, once per month
Milestone Bonus:
- 10,000 Reward Points: On spending Rs. 50,000 within the first 60 days
- 20,000 Reward Points: On spending Rs. 5 lakh in a year
Fee Waiver
- Joining Fee: Waived on spending Rs. 25,000 within the first 60 days
- Annual Fee: Waived on spending Rs. 2.5 lakh in a year
BoB Eterna Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 2,499 + applicable taxes | ||||||||||||||||
| Forex Mark-up Fee | 2% | ||||||||||||||||
| Finance Charges | 3.25% per month i.e. 39% per annum | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get This Card If:
You travel frequently and want a card with higher value-back on such spends, along with domestic lounge access
You are looking for a decent savings as rewards on dining and online purchases
You like to watch movies in theater and wish to save on that expense
Eligibility Criteria:
Indian resident
Age (for salaried): 21 to 60 years
Age (for self-employed): 24 to 65 years
Net Annual Income: >Rs. 12 lakh
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What do we like about this card?
BoB Eterna Credit Card is suitable for those who are looking for an all-rounder card that covers varied spending categories through its rewards and benefits. Frequent travellers can make the best use of this card by earning 5X rewards with up to 10X bonus rewards on travel and using unlimited domestic lounge access. Those who spend considerably on dining, movies and online purchases can also save well through accelerated rewards and discount offers. Moreover, you can also minimise your cost by availing fee waiver by spending just Rs. 2.5 lakh in a year.
Pros
- Up to 10X extra rewards on travel spends
- 5X rewards, i.e. 3.75% back on dining, online shopping, travel and international spends
- Unlimited domestic airport lounge access
- Up to Rs. 3,000 savings on movies every year
- Welcome benefit far exceeds the joining fee amount
Cons
- Low reward redemption value
- No complimentary international airport lounge access
- Monthly capping on 5X reward benefits
Frequently Asked Questions
Everything you need to know about this credit card
The applicant must have a recent passport size photograph, along with proofs of identity, address and income while applying for Bank of Baroda Credit Cards.
The unlimited complimentary domestic lounge access on Bank of Baroda Eterna credit card is subject to spending Rs. 40,000 in the preceding quarter.
Bank of Baroda Eterna credit card offers travel and reward benefits. Cardholders can avail unlimited domestic lounge access and a low forex markup fee of 2%. Additionally, it offers accelerated rewards on dining and travel. To add more to the lifestyle privileges, cardholders can avail a complimentary FITPASS Pro membership, a buy-one-get-one offer on District, and rewards on all spending.
No, Bank of Baroda Eterna credit card is not a lifetime free credit card. It comes with a joining and annual fee of Rs. 2,499.
Bank of Baroda Eterna Credit Card uses MasterCard payment network for its transactions.
Bank of Baroda Eterna Credit Card is given to those applicants who earn Rs. 12 lakh p.a. or more. However, your chances of approval may increase if you have maintained a good relationship with the bank. The final decision to accept or decline the application rests with the bank.
Credit Limit is the maximum amount of money that you can spend using the credit card. The credit limit extended to you is dependent on your income, previous credit limit, credit history and so on.
No, the add-on cardholder will share the credit limit that was assigned to the primary cardholder.
PIN stands for Personal Identification Number that is used to authenticate cash withdrawals at ATMs and sometimes, online transactions. You should not share your PIN with anyone.
The card offers accelerated rewards on international transactions and a low forex markup fee of 2%, making it a suitable choice for international spends.
You can get the annual fee waived off on your Eterna credit card on spending min. Rs. 2.5 lakh in the previous year.
Footnotes
- Capped at 5,000 Reward points per month, post which base reward rate will apply.
- Select spends, like fuel, agriculture, contractor, transportation, telecom, rent, cleaning and maintenance, laundry, insurance, select personal services, govt., education, hospital, wallet, charity, supermarket and convenience store, variety/retail stores, and fast food restaurants, are excluded from the reward benefits.
- To avail this offer, either choose BOBCARD Eterna offer or enter promo code ‘BOBMOVIES’ before making the payment.
- A 1% processing fee will apply to wallet loading transactions, utility transactions (for amounts exceeding Rs. 50,000), and fuel transactions (for amounts exceeding Rs. 10,000).
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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