Bank of Baroda Eterna Credit Card Review

Bank of Baroda Eterna Credit Card

  • Features & Rewards
  • Offers Availability
  • Card’s Acceptance
  • Customer Care & Issue Resolution


You should consider getting the Bank of Baroda Eterna Credit Card because it offers many benefits. For example, you get more rewards when you shop online or in specific categories. This can help you save money! Many other features make this card a good choice for your wallet. So, if you plan to get a new credit card, consider this a smart move!


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.

Featured Image of Bank of Baroda Eterna Credit Card Review

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: Rs 2499 + GST
  • Annual Fee: Rs 2499 + GST
  • Best for: Shopping
  • Reward Type: Reward Points
  • Best Feature(s): Milestone Rewards, Airport Lounge Access

Fees & Charges

DescriptionFees & Charges
Joining FeeRs 2499 + GST
Annual/Renewal FeeRs 2499 + GST
Joining Fee WaiverAfter spending of Rs 25,000 within 60 days
Annual Fee WaiverAfter spending a minimum of Rs 2.5 Lakhs in a membership year
Reward Redemption FeeNIL
Add-on Card FeeNIL
Foreign Currency Markup Charges2%
Fuel Surcharge Waiver1%
Interest Rates3.25% 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

  • Primary cardholders must be aged between 21 and 65 years.
  • Add-on cardholders must be over 18 years old.
  • Individuals must be salaried or self-employed with an annual income of Rs 12 Lakhs or more.
  • Must be a resident of India.

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.

  • 10,000 Bonus Reward Points on spending Rs 50,000 within the first 60 days
  • 20,000 Bonus Reward Points on spending Rs 5 Lakhs in a year

Moreover, there are a few things to consider:

  • Any transactions not settled within 60/365 days will not be included in spend calculations.
  • Bonus reward points for Milestone Rewards will be credited to eligible cardholders’ accounts within 30 days after the end of the promotion.

Reward Points

CategoryReward PointsValue
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)
Regular spends 3 RP / Rs 1000.75%
Selected MCCs 1.5 RP / Rs 1000.375%

The Accelerated Reward Points( 5X) apply only to these categories:

  • Ecom-Online transaction flag provided by Merchant Acquirer
  • International-International transaction flag provided by Merchant Acquirer
  • Dining – 5812
  • Travel-4722

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 TypeNetwork UsedNumber of Visits
Domestic LoungesMasterCardUnlimited Visits
International LoungesNILNIL

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.


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!

Please read other interesting posts:


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.

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