Bank of Baroda Eterna Credit Card

Full Review of the Bank of Baroda Eterna Credit Card

Features & Benefits of Bank of Baroda Eterna Credit Card

Earning reward points : You earn 15 reward points on every ₹100 you spend = ₹3.75 on every ₹100 you spend on your card (since 1 reward point = ₹0.25 or 25 paise)

Limits on earning special benefits : This special benefit is valid on the 4 categories mentioned above – only on combined total purchases upto ₹33,333 per month, since the maximum number of special / accelerated reward points is 5,000 reward points per monthly card statement cycle. After the first ₹33,333 spent in this category during the month, you shall receive a basic benefit rate of 3 reward points worth ₹0.75, on additional spends in this category.

Redeeming reward points : You can easily redeem your points for cashback (online channels OR through the helpline). 1 reward point = ₹0.25 or 25 paise. This cashback paid into your monthly card statement.

Other important information : Reward points are valid for 2 years.

Earning reward points : You earn 3 reward points on every ₹100 you spend on all other spends = ₹0.75 on every ₹100 you spend (since 1 reward point = ₹0.25 or 25 paise). Except below 2 categories –
– Fuel : You earn no reward points
– Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1.50 reward points worth 37 paise, on every ₹100 you spend in these categories. For full list and details please click here – list of special MCCs

Redeeming reward points & other important information : same as explained in the above section

You earn : 
■ 10,000 points worth ₹2,500 – at ₹50,000 spend target, within 60 days of card issuance date
■ 20,000 points worth ₹5000 – at 5 lakhs yearly spend target

Hence you can earn a total of 30,000 bonus reward points worth ₹7500, if you reach both the above spend targets on your card.

Milestone benefits are in addition to the benefits mentioned in the 2 sections above ‘Milestone Privileges’. For example, on ‘online shopping’, you could earn more than 4% – 3.75% special benefit and potentially more than 0.5% – 1% milestone benefits if you achieve the milestone targets mentioned above.

You enjoy unlimited domestic lounge access throughout India.

The details vary , depending on whether you have the Mastercard version or the Visa version of the Bank of Baroda Eterna credit card. Visa holders please click here for details & Mastercard holders please click here for more information.

You enjoy a reduced forex markup fee of 2% when using your card for international transactions. While you get a benefit of 3.75% on your foreign spending.

You get Buy One Get One Free Movie Offer (BOGO) – at Paytm Movies
– You need to book at least 2 movie tickets , at one time
– 2nd movie ticket is free, upto maximum ₹250 discount
– You can enjoy this offer maximum 1 time per month

Hence you can get movie tickets worth ₹3,000 every year (₹250 per month)

You get 6-month FitPass Pro membership worth ₹15,000. Fitpass Pro is a single membership plan which gives you free access to a wide range of fitness activities – over 5,000 gyms & fitness studios , yoga, pilates, zumba, crossfit & kickboxing. For full details and latest updates please visit the FitPass website.

The details vary depending on whether you have the Mastercard version or the Visa version of the BOB Eterna card.

Cardholders who have Mastercard version of card :
– 4 free golf rounds per year (not more than 1 free golf round per month)
– 12 free golf lessons per year (not more than 1 free golf lesson per month)
– For a list of golf courses and other details, please click here.

Cardholders who have Visa version of card :
– 4 free lessons per year (but not more than 1 free golf lesson per quarter)
– 15% discount on golf rounds
– For a list of golf courses and other details, please click here.

You get a coverage of ₹1 crore for air travel and ₹10 lakhs for non-air travel, in the unfortunate event of accidental death during travel. This insurance cover provides financial protection to your family, and gives you peace of mind.

Fuel pumps usually apply a surcharge of 1% on your fuel bills. You get a surcharge waiver when you purchase fuel through your BOB Eterna card.

Applicable fuel stations and brands : Fuel surcharge waiver applies to all petrol stations.

Restrictions on waiver benefits:
– The waiver is given only on fuel transactions between ₹400 and ₹5000 AND
– The 1% waiver is given only upto a maximum of ₹25,000 in fuel expenditures per month (since the maximum waiver is restricted to ₹250 per monthly card statement cycle).
– Beyond ₹25,000 in monthly fuel expenses will reduce surcharge waiver% to below 1%, since the maximum waiver is fixed at ₹250 per monthly card statement cycle.

Eterna Credit Card offers the convenience of add-on cards, allowing you to extend the benefits of your card to your loved ones.
– You can avail of up to 3-lifetime free add-on cards for your spouse, parents, siblings, or children. This enables your family members to enjoy the features and privileges of the Eterna Credit Card.
– Shared benefits : With add-on cards, you can easily manage and track the expenses of your family members. Additionally, any reward points earned on the add-on cards contribute to the primary cardholder’s rewards account.