Bank of Baroda Eterna Credit Card Review
Bank of Baroda Eterna Credit Card
- Overview
- Take A Glance
- Fees & Charges
- Welcome Benefits
- Eligibility Criteria
- Documents Required
- Milestone Rewards
- Reward Points
- Reward Points Redemption
- Complimentary Airport Lounge Access
- Fuel Surcharge Waiver
- Free Add-on card
- In-Built Insurance Cover
- Paytm Movies: Buy 1 Get 1 Offer
- Dining Experiences
- Conclusion
- FAQs
Overview
Namaste to all our readers!
Exciting news from the world of credit cards: Bank of Baroda has introduced a new premium card called the Bank of Baroda Eterna Credit Card. This introduction is happening through BOB Financial Solutions Limited, which was earlier known as Bobcards Limited.
This credit card is a bit special. You earn more rewards than usual when you spend money online or in other featured categories. Sounds good, right?
So, if you’re wondering what this card offers and if it’s the right one for you, stick around!
We’ll take a close look at the BOB Eterna Credit Card and go over all you need to know. Let’s jump in and see what’s in store with this new card.
Take A Glance
Bank of Baroda Eterna Credit Card
- Joining Fee:Â Rs 2499 + GST
- Annual Fee:Â Rs 2499 + GST
- Best for:Â Shopping
- Reward Type:Â Reward Points
- Best Feature(s):Â Milestone Rewards, Airport Lounge Access
Fees & Charges
| Description | Fees & Charges |
|---|---|
| Joining Fee | Rs 2499 + GST |
| Annual/Renewal Fee | Rs 2499 + GST |
| Joining Fee Waiver | After spending of Rs 25,000 within 60 days |
| Annual Fee Waiver | After spending a minimum of Rs 2.5 Lakhs in a membership year |
| Reward Redemption Fee | NIL |
| Add-on Card Fee | NIL |
| Foreign Currency Markup Charges | 2% |
| Fuel Surcharge Waiver | 1% |
| Interest Rates | 3.25% per month (39% annually) |
Welcome Benefits
Bank of Baroda Eterna Credit Card
- 6 months FitPass Pro membership
- 10,000 Reward Points after a spending of Rs 50,000 within 60 days.
Eligibility Criteria
Documents Required
Proof of Identity
- PAN (Mandatory)
- Aadhaar Card / Voter ID card /Passport /Driving Licence
Address Proof
Aadhaar Card / Voter ID card /Passport / Driving Licence / Utility Bills / Property or Municipal Tax receipt /Rent Agreement / House allotment letter issued by the State or central government
Income Proof
- Salaried: Last 2 months’ salary slip + bank statement showing salary credits
- Self-employed: Later income tax return (ITR)
Milestone Rewards
Imagine experiencing the joy of bonus rewards just as you hit certain spending milestones with your trusted credit card. That’s precisely what you get with the Bank of Baroda Eterna Credit Card.
Moreover, there are a few things to consider:
Reward Points
| Category | Reward Points | Value |
|---|---|---|
| Online Shopping, Dining, Travel and International | 5X Rewards i.e. 15 RP / Rs 100 *Max 5000 bonus RP per month( 3 RP/Rs 100 post the cap) | 3.75% |
| Regular spends | 3 RP / Rs 100 | 0.75% |
| Selected MCCs | 1.5 RP / Rs 100 | 0.375% |
The Accelerated Reward Points( 5X) apply only to these categories:
Reward Points Redemption
Redeem your reward points for cashback and other exciting options.
All accumulated points can be redeemed for cashback at 1 point per Rs 0.25.
Complimentary Airport Lounge Access
| Lounge Access Type | Network Used | Number of Visits |
|---|---|---|
| Domestic Lounges | MasterCard | Unlimited Visits |
| International Lounges | NIL | NIL |
You can learn more by clicking on the links below:
Unlimited Domestic Airport Lounge Access can be utilised by both – primary cardholders and add-on cardholders.
Fuel Surcharge Waiver
1% fuel surcharge exemption at fuel stations in India on transactions of Rs 400 to Rs 5,000 (Max – Rs 250 per cycle).
No Reward Points are earned on fuel transactions.
Free Add-on card
Get up to 3 lifetime free add-on cards for your spouse, parents, siblings, or children.
In-Built Insurance Cover
Personal Air Accident Cover
Rs 1 Crore ( applicable only on loss of life)
Accidental Death Cover
Rs 10 Lakhs
Paytm Movies: Buy 1 Get 1 Offer
Book movie tickets on Paytm movies (maximum monthly benefit of Rs 250).
Dining Experiences
Hey, fellow food lovers! Ever wondered if your love for food could get even more rewarding?
Well, that’s exactly what’s cooking with the Bank of Baroda Eterna Credit Card!
Let’s dive into how this little piece of plastic can spice up your dining experience.
Conclusion
That’s all about the Bank of Baroda Eterna Credit Card! With all its benefits, like getting more rewards when you shop online, among other things, this card can be a good friend for your wallet. It’s made to help you save money and enjoy many other perks. After looking closely at this card, I see it has a lot for you.
So, if you’re considering getting a new credit card, remember to look closely at the Bank of Baroda Eterna Credit Card. Who knows, it might be just what you’re looking for!
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FAQs
What makes the Bank of Baroda Eterna Credit Card unique?
The Bank of Baroda Eterna Credit Card stands out because of its high reward rates in categories like online shopping. It’s designed to complement your spending habits by offering more benefits where you spend the most.
Can I earn rewards on every purchase with the Eterna Credit Card?
Yes, you’ll earn reward points on nearly all purchases made with the card, but the number of points varies depending on the type of purchase and where you make it. Spending in specific categories like online shopping might earn you more points.
Is the Bank of Baroda Eterna Credit Card good for travel?
Yes, the card offers benefits that could be useful for travel, including complimentary airport lounge access and higher reward points on travel-related spending. It’s always best to check the latest benefits directly with the bank.
