Bank of Baroda Eterna Credit Card Review

With your Bank of Baroda Eterna Card, you get a free 6 month’s FitpassPro membership worth Rs. 15,000 as a welcome benefit. This is an impeccable feature for fitness lovers and there are not many credit cards in the same segment that offer exclusive fitness benefits like this one. This offer is applicable on the Fitpass app and users will have to submit their phone numbers to receive the link to download the app. 

The Bank of Baroda Eterna credit card offers 3 reward points on every Rs. 100 spent making the basic reward rate to be 3% which is better than the reward rate offered by some of the most popular credit cards such as HDFC Regalia (2.66%) and SBI Card Prime (2%). However, the value of 1 reward point is just Rs. 0.25 which is less if you are looking for a highly rewarding credit card. The card further offers 5x reward points on every Rs. 100 spent on categories such as dining, travel, shopping and movies capped at 5,000 reward points per month.

Suggested read – Best rewards credit cards in India

Bank of Baroda Eterna credit card lets you earn 10,000 bonus reward points on spending Rs. 50,000 within the first 60 days and 20,000 bonus reward points on spending Rs. 5,00,000 in a year. So, you can get a benefit of 60,000 bonus points equivalent to Rs. 15,000 in a year.  Also, the annual fee for the subsequent year can be waived off on spending Rs. 2,50,000 in a year. The milestone benefits offered by the card are good but can only be achieved by customers who spend heavily via their credit cards.

• Buy one Get one movie ticket on Paytm Movies
• 4 Golf coaching lessons in a year (one per quarter)
• Unlimited complimentary domestic airport lounge access
• 1% fuel surcharge waiver at fuel stations across India

• There is no international lounge access
• Reward value is less when compared to other credit cards in the same segment

You should get a bank of Baroda Eterna Credit Card if:

• You are willing to pay an annual fee of Rs. 2,500
• You are looking for a card with decent reward rates on all your purchases
• You spend heavily on your credit card
• You do not need international airport lounge access