By: OurMoneyGuide || Last updated on: May 31, 2024

Bank of Baroda Eterna Credit Card is a premium card offering from Bank of Baroda. It gives 3.75% benefit rate on a variety of purchases like online shopping, travel, dining and also on international spends. You can also earn upto 1.50% additional benefit , through the milestone program.

The card offers a host of lifestyle benefits like unlimited free visits to airport lounges in India, complimentary golf rounds and lessons, free movie tickets and fitness membership.

Brief Summary

Our Rating

4.0 / 5

Best for those who want an all-rounder card with good flat-rate benefit on a variety of spends , and do not want to hold multiple specialist credit cards to maximise rewards on each type of their spend. You get 3.75% benefit on a variety of spends like online shopping, travel, dining, and also on international spends. If you take the help of milestone benefits , you can earn over 4% on these spends.

You also get unlimited complimentary visits to airport lounges in India.

Pros & Cons of Bank of Baroda Eterna Credit Card

Pros

  • Good benefit rate of 3.75% on various categories – travel, online spending, dining & international spending.
  • You have the opportunity to earn upto 1.50% more, if you spend ₹5 lakhs or more within a year , through the milestone benefits program – hence you get the opportunity to earn around 4% – 5% on a variety of spends
  • Simple & easy to understand redemption process – you can convert your reward points to cashback through a simple online process
  • Attractive lifestyle & fitness benefits – complementary golf rounds & golf lessons , as well as complimentary gym memberships
  • Unlimited complimentary airport lounge access in India
  • You earn a high 3.75% benefit rate on international spending, while you enjoy reduced fee of 2% on foreign spends
  • Complimentary personal accidental death insurance coverage, providing financial protection to your family – coverage of ₹1 crore for air travel and ₹10 lakhs for non-air travel

Cons

  • Complimentary access to airport lounges located outside India is not available.
  • Benefit rate for offline shopping shopping (in-store shopping) is low

Features & Benefits of the Bank of Baroda Eterna Credit Card

3.75% cashback on the following spends – travel || online shopping || dining || international transactions

You earn 15 reward points worth ₹3.75, on every ₹100 you spend in these categories.

This benefit is valid only on combined total purchases upto ₹33,333 per month across these categories, since the maximum number of special reward points is restricted to 5,000 reward points per monthly card statement cycle.

1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback. Reward points are valid for 2 years.

0.75% cashback on all other card spends

You earn 3 reward points worth ₹0.75, on every ₹100 you spend on all other card purchases.

Exceptions –
- Fuel : You earn no reward points on fuel purchases
- You earn 1.5 reward points worth 37 paise, on every ₹100 you spend in the following categories - rent, education, utilities, government, insurance, charity, supermarket. For full list and details please click here – list of special MCCs

1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback.

Upto 1.50% additional cashback (milestone privileges)

Additional reward points are given at the below 2 card spend levels-
- You get 10,000 points worth ₹2500, at ₹50,000 card spend within 60 days of card issuance date
- You get 20,000 points worth ₹5000, at ₹5 lakh yearly card spend

Hence you can earn a total of 30,000 bonus reward points worth ₹7500, at ₹5 lakh annual card spend (if you reach both the above spend targets on your card) - 1.50% reward.

(1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback)

Unlimited free visits to airport lounges in India

You enjoy unlimited complimentary domestic lounge access throughout India.

Visa holders please click here for details, and Mastercard holders please click here for more information.

Low fee of 2% on international card spends

You enjoy a reduced forex markup fee of 2% when using your card for international transactions, while most cards in the industry charge around 3.50%. 

You also get 3.75% cashback on your foreign spending, as explained earlier in the sections above.

1 free movie ticket (upto ₹250) each month – at Paytm Movies

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 a maximum of ₹250 discount
– You can enjoy this offer 1 time per month

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

Free golf rounds & golf lessons

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.

Complimentary insurance benefits – free personal accidental death cover

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 surcharge waiver, upto ₹250 per month

You get a 1% fuel surcharge waiver-
– Only on fuel transactions between ₹400 and ₹5000, AND
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver amount is restricted to ₹250 per monthly card statement cycle.

3 lifetime free add-on cards

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.

BOB customer care 

Please click here, to see all available options to contact your card issuer.

Bank of Baroda Eterna Credit Card Fees and Charges

Annual fee & annual fee offers


Annual feeAnnual fee offers
1st year annual fee₹2499Welcome offers
– The first year fee is waived, if you spend ₹25,000 or more, within 60 days of card issuance.
– Complimentary 6-month FitPass Pro membership. 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.
Annual fees from 2nd year onwards₹2499Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹2.50 lakhs or more in the previous year

Hence the card is virtually lifetime free if you spend ₹2.50 lakhs or more each year

Late payment fee

Late payment fees depends on the total payment due

Total payment amount dueLate fee
Less than ₹100Nil
₹100 to ₹500₹100
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,000 to ₹25,000₹950
₹25,000 to ₹50,000₹1100
Above ₹50,000₹1300

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – BOB Eterna Credit Card Fees & Charges

Eligibility Criteria

Minimum age21 years (minimum age for add-on cards is 18 years)
Maximum age65 years
OccupationSalaried and self-employed
Income requirementsMinimum income should be ₹12 lakhs per annum – for salaried as well as self-employed individuals
Residential statusThe individual should be a resident of India.

Application Process

Required documents
PAN card copy

Proof of identity (any one) : Aadhaar card / voter ID card /passport /driving licence

Address proof (any one) : Aadhaar card / voter ID card /passport / driving licence / utility bills / property or municipal tax receipt /rent agreement / house allotment letter issued by state or central government

Income proof :
– Salaried : Last 2 months salary slip and bank statement showing salary credits
– Self-employed : Latest income tax return (ITR)

Conclusion

Bank of Baroda Eterna Credit Card gives a high reward rate on a large variety of spends, especially if one makes use of the milestone program. Hence it is best for those who want a good all-rounder card with good flat-rate benefit on a variety of spends , and do not want to hold multiple specialist credit cards to maximise rewards on each type of their spend.

It also provides a host of lifestyle benefits.