Lifestyle credit card · Bank of Baroda
Bank of Baroda ETERNA Credit card
Bank of Baroda ETERNA Credit card is a lifestyle credit card from Bank of Baroda. Customers can earn 15 reward points for every ₹100 spent on travel, international transactions, dining, and….
- Joining fee
- ₹2499
- Annual fee
- ₹2499
- Forex markup
- IFM- Upto 2%
- Interest
- 3.25% per month, 39% per annum
Welcome benefits
- Users will get a FREE 6-month FitPass Pro membership worth ₹15,000
Rewards & cashback
- Customers can earn 15 reward points for every ₹100 spent on travel, international transactions, dining, and online shopping (1 RP= 0.25).
- Effective cashback rate: 3.75%
- 3 reward points on all other spending
- Effective cashback rate: 0.75%
Milestone benefits
- Users can earn 10,000 bonus reward points on spending ₹50,000 within the first 60 days & 20,000 bonus reward points on spending ₹5,00,000 in a year
Airport lounge access
- Unlimited domestic lounge access
Movies
- Buy one get one free offer on movie tickets with District upto ₹250 per month
More benefits & features
- Free 6 months Fitness Pro membership
Fees & charges
- Joining fee
- ₹2499
- Annual fee
- ₹2499
- Foreign currency markup
- IFM- Upto 2%
- Interest rate
- 3.25% per month, 39% per annum
- Late payment
- Statement Balance : Charges Less than ₹100 : NIL ₹100- 500 : ₹100 ₹501- 1000 : ₹400 ₹1001- 10000 : ₹600 ₹10001 - 25000 : ₹800 More than…
- Cash advance
- 2.5% or ₹500 whichever is higher
- Fuel surcharge
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per…
- Billing cycle
- 30 Days
- Other fees
- First Year Fee* (levied in the first statement): ₹2499 | Cash withdrawal charger: 2.5% of the withdrawn amount or ₹500, whichever is…
Pros and cons
What works well
- Users will get a FREE 6-month FitPass Pro membership worth ₹15,000
- Customers can earn 15 reward points for every ₹100 spent on travel, international transactions, dining, and online shopping (1 RP= 0.25).
- Effective cashback rate: 3.75%
- Users can earn 10,000 bonus reward points on spending ₹50,000 within the first 60 days & 20,000 bonus reward points on spending ₹5,00,000 in a year
- Buy one get one free offer on movie tickets
Worth knowing
- High interest rate
- Limited reward points earnings
Who can apply
- Age Criteria: Primary cardholder: between the age of 21 years and 65 years
- Add-on cardholder: over 18 years
- Salaried or Self-Employed with an income of ₹12 Lakhs per annum or more
- Resident of India
How to apply
- Choose your variant: Eterna offers different variants with varying annual fees and reward rates
- Compare and choose the one that suits your spending habits
- Check eligibility: Use the online eligibility checker on the BoB Financial website or contact their customer care
- Apply online: Visit the BoB Financial website and fill out the online application form
- Be sure to have all the required documents ready
- Documents:Proof of identity (PAN card, Aadhaar card, etc.)
- Proof of address (Aadhaar card, voter ID, etc.)
- Proof of income (salary slips, ITR returns, etc.)
- Bank statement (optional)
More BoB credit cards
Details come from information published by Bank of Baroda and may change. Confirm current fees, benefits and eligibility with the bank before applying. Some links are partner links; MyRupaya may earn a commission at no extra cost to you.
