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ETERNA Credit card

Product Details
Credit Card Name : 

ETERNA Credit card

Bank Name :

Bank of Baroda

Type :

Lifestyle Credit Card

Interest Rate : 

14.00% to 20.00% p.a.

Eligibility :

1. Age Criteria: Primary cardholder: between the age of 21 years and 65 years
Add-on cardholder: over 18 years
2. Salaried or Self-Employed with an income of ₹ 12 Lakhs per annum or more
3. Resident of India

ETERNA Credit card
Pros
  • Welcome Benefit: FREE 6 months FitPass Pro membership worth ₹ 15,000 as a Welcome Gift.

  • Reward System: Customers can earn 15 Reward points for every INR 100 spent on travel, international transactions, dining, and online shopping. (1 RP= 0.25) 

  • Milestone Benefits: 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.

  • Other Benefits: Buy one get one free offer on movie tickets. 

Cons
  • High-Interest Rate

  • Limited Reward Points Earning

Pros & Cons
Welcome Benefits
  • FREE 6 months FitPass Pro membership worth ₹ 15,000 as Welcome Gift.

Rewards System
  • Customers can earn 15 Reward points for every INR 100 spent on travel, international transactions, dining, and online shopping. (1 RP= 0.25) 

  • Effective Cashback Rate: 3.75%

International Forex Markup

IFM- Upto 2%

Welcome Benefits and Reward System
Special Features

Free 6 months Fitness Pro Membership.

Eligibility Criteria

1. Age Criteria: Primary cardholder: between the age of 21 years and 65 years
Add-on cardholder: over 18 years
2. Salaried or Self-Employed with an income of ₹ 12 Lakhs per annum or more
3. Resident of India

Benefits
  • Reward Points and a high cashback rate

  • Complimentary FitPass Pro Membership

  • Paytm Movie Benefit

  • Airport Lounge Access

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  1. Choose your variant: Eterna offers different variants with varying annual fees and reward rates. Compare and choose the one that suits your spending habits.

  2. Check eligibility: Use the online eligibility checker on the BoB Financial website or contact their customer care.

  3. Apply online: Visit the BoB Financial website and fill out the online application form. Be sure to have all the required documents ready.

  4. 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)

  5. Document verification: BoB Financial will verify your documents and credit score.

  6. Card approval: You will receive notification about your application status within 7-10 business days.

  7. Card delivery: Upon approval, your card will be delivered to your registered address within 7-10 business days.

Contact Details

Toll free no.: 1800 103 1002
Email: eterna@bobfinancial.com

Account Opening and Procedure
ETERNA Credit card

The Bank of Baroda Eterna Credit Card is a good option for high spenders who primarily shop online and value unlimited airport lounge access, exclusive movie deals, and decent rewards across categories. The welcome bonus, fuel surcharge waiver, complimentary add-on card, and other benefits offer additional value. However, the hefty annual fee, lower reward rate compared to some competitors, limited redemption options, lower point value, and network limitation might necessitate careful consideration for moderate spenders, those seeking high cashback on specific categories, or individuals prioritizing exclusive experiences or wider network coverage.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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Fees & Charges
  • First Year Fee* (levied in the first statement): ₹2499 

  • Annual Fee**: ₹2499 *Get joining fee waiver on spending ₹ 25,000 within first 60 days of card setup date. 

  • Cash withdrawal charger: 2.5% of the withdrawn amount or INR 500, whichever is higher 

  • Cheque Return Charged: 2% of the cheque amount or INR 450, whichever is higher. GST: 18% (applicable on all fees, interest & other chargers) 

  • Foreign Currency Transaction Fee: 2% of transaction amount  

  • Late Payment Charges: Statement Balance : Charges Less than INR 100 : NIL INR 100- 500 : INR 100 INR 501- 1000 : INR 400 INR 1001- 10000 : INR 600 INR 10001 - 25000 : INR 800 More than INR 25000 : INR 950

Fuel Surcharge
1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000 (Max. Rs. 250 per statement cycle).
Billing Cycle

30 Days

Fees & Charges
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