Bank of Baroda Eterna Credit Card

Welcome Benefit – FitPass Pro Membership worth Rs. 15,000.

Rewards Program – Get the following benefits:

• 3 Reward Points per Rs. 100 spent
• 15 Reward Points per Rs. 100 spent on travel, international transactions, dining, online shopping
• 4 Reward Points are worth Re. 1

Milestone Spend Benefits – Bonus Reward Points are granted in the following manner:

• 10,000 bonus reward points on spending Rs. 50,000 within 60 days of card issuance
• 20,000 bonus reward points on spending Rs. 5 lakh in a year

Lounge Access – Free unlimited domestic lounge access.

Fee Waiver – The following Fee waivers are offered:

• Joining fee waiver on spending Rs. 25,000 in the first 60 days
• Spend Rs. 2.5 lakhs or more in a year to get annual fee waiver in the next year

ForEx Mark-up Fee – Foreign transactions incur a fee of only 2%.

Mastercard Priceless Specials – Avail over 250 deals on dining, get exclusive offers on hotels and resorts. Also, get access to partner golf courses.

Movie Offer – Buy 1 Get 1 Free Movie ticket when booking through Paytm movies. Maximum discount of Rs. 250 is offered on the second ticket.

Insurance Cover – Get the following coverage:

Category	Amount
Personal Accidental Air Death Cover	Rs. 1 crore
Personal Accidental Non-Air Death Cover	Rs. 10 lakh

Fuel Surcharge Waiver – 1% Fuel Surcharge is waived off on fuel spends that are of Rs. 400 or more. Maximum waiver offered is Rs. 250 per month.

0 Liability on Lost Card – Reported lost cards do not incur any liability from fraudulent transactions.

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

Suggested Read: Common fees & Charges you should know about

The eligibility criteria for Bank of Baroda Eterna Credit Card are:

Age	18 – 70 years
Occupation	Available to both Salaried and Self-employed
Income	Rs. 12 lakh p.a.

Documents Required for Bank of Baroda Eterna Credit Card

You must provide certain documents in order to establish the information provided by you in the application form. Submit self-attested photocopies of any one of these documents.

Identity Proof	Passport, PAN Card, Aadhaar Card, Voter’s ID Card, Driving Licence, Photo Credit Card, Central and State Govt. issued Photo ID Proof, Defence ID Card, etc.
Residence Proof	Aadhaar Card, Ration Card, Passport, Bank Account Statement, Voter’s ID Card, Letter from any recognized public authority, Telephone Bill, Electricity Bill, Water Bill (not more than 3 months old), etc.
Income Proof	Salary Slips (not more than 3 months old), Bank Statements (not more than 3 months old), ITR, Form-16, etc.

You may apply for the Bank of Baroda Eterna credit card through Bank of Baroda’s website or branch visit.

SBI Card Prime If you are looking for a premium card then you should consider SBI Card Prime which offers international as well as domestic lounge access. You also get bonus reward points on shopping at select sites, dining, groceries, departmental stores, and movies. If you are a frequent traveller then you can make use of the free Trident Privilege Membership and Club Vistara Membership. More Details | Read our Review of the Card | Check Eligibility

Credit Card	Annual Fee	Comparative Feature
Axis Bank Magnus Credit Card	10,000	1 free domestic flight ticket 8 free International Priority Pass lounge visits
Axis Bank Burgundy Private Credit Card	Nil for Burgundy Members	Get 0% Forex mark-up fee Unlimited lounge visits (international & Domestic)
RBL World Safari Credit Card	Rs. 3,000	Zero Foreign Currency Mark-up Fee Priority Pass Membership
YES First Preferred Credit Card	Rs. 2,500	1.75% Foreign Currency Conversion Fee Priority Pass Membership
SBI Elite Credit Card	Rs. 4,999	Free domestic and international lounge visits Forex Mark-up fee is 1.99%

Which payment network does Bank of Baroda Eterna Credit Card use?
Bank of Baroda Eterna Credit Card uses MasterCard payment network for its transactions.

I earn Rs. 10 lakh per annum can I apply for Bank of Baroda Eterna Credit Card?
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.

What is credit limit and how much credit limit will be given to me on the Bank of Baroda Eterna Credit Card?
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.

Does the Add-on card have a separate credit limit?
No, the Add-on cardholder will share the credit limit that was assigned to the primary cardholder.

What is PIN?
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.