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The Eterna Credit Card comes with a complimentary FitPass Pro membership and 10,000 bonus reward points as a welcome gift. The Eterna card, which is the premium-most offering by the bank, comes with a host of benefits, including unlimited free domestic lounge access, complimentary golf sessions/lessons, air accidental insurance cover worth Rs. 1 crore, and lots of other premium features.

The card also offers a very good reward rate. You get 15 reward points / Rs. 100 on all online spends and on all travel, dining, and movie spends. The foreign currency mark-up fee of 2% is also comparatively lower than most other cards. Read on for further information on the BoB Eterna Credit Card:

Bank of Baroda Eterna Credit Card
(4.7/5)

Joining Fee

Rs. 2,499 + GST

Renewal Fee

Rs. 2,499 + GST

Best Suited For

Shopping |

Reward Type

Reward Points

Welcome Benefits

6-month FitPass Pro membership worth Rs. 15,000 and 10,000 bonus reward points.

Movie & Dining

5X (15) reward points on movie and dining spends, 250 plus culinary deals at MasterCard Priceless specials, Buy One Get One scheme on movie tickets booked through Paytm app (max discount capped at Rs. 250/month)

Rewards Rate

15 reward points / Rs. 100 on online shopping, travel, movie, and dining spends (max cap of 5,000 points at this rate), 3 reward points/ Rs. 100 for spends on all other categories.

Reward Redemption

Reward points redeemable as cashback or against flight tickets, hotel reservations, shopping, etc at a rate of 1 RP = Re. 0.25.

Travel

Unlimited complimentary domestic lounge access, lower foreign currency mark-up of 2%.

Domestic Lounge Access

Unlimited complimentary domestic lounge access under the Mastercard India lounge program.

International Lounge Access

N/A

Golf

4 complimentary rounds of golf with green fee waived annually (not more than 1 in a month), 12 complimentary golf lessons/year, 50% of the green fee waived beyond the complimentary sessions.

Insurance Benefits

Accidental death cover (worth 1 crore in case of air-accident and Rs. 10 lakh in all other cases)

Spend-Based Waiver

Joining fee waived on spending Rs. 25,000 in the first 60 days, annual fee of the subsequent year waived on expenditure of Rs. 2.5 lakh in the previous year

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

2% of the transacted amount

Interest Rates

3.25% per month or 39% per annum

Fuel Surcharge

1% of the transaction amount waived for transactions between Rs. 400 and Rs. 5,000 (subject to a maximum waiver of RS. 250 per statement cycle)

Cash Advance Charges

2.5% of the transaction amount, subject to a minimum charge of Rs. 500

  • Get FitPass Pro membership worth Rs. 15,000 as a welcome gift.
  • 10,000 reward points of expenditure of Rs. 50,000 within 60 days of card issuance.
  • 20,000 bonus reward points on spending Rs. 5,00,000 in a year.
  • 15 reward points on every Rs. 100 spent on online shopping, travel, dining and movie tickets.
  • 3 reward points on spends of Rs. 100 on all other categories.
  • 1 Reward Point = Rs. 0.25.
  • Reward Points redeemable as cashback or for other categories of expenditure on the BOB’s reward redemption portal.
  • Joining fee waived off on spending Rs. 25,000 in the first 60 days.
  • Annual membership fee of the subsequent year waived on the expenditure of Rs. 2.5 lakh in the previous year.
  • Personal accidental death insurance cover (Rs. 1 crore for air accident, Rs. 10 lakh for a non-air accident).

Bank of Baroda Eterna Credit Card Features and Benefits

The Eterna Credit Card offered by BoB Financial is the most premium offering of the bank. It comes with a great reward rate and several exclusive benefits across different categories, including shopping, travel, entertainment, dining, and many more. The detailed features and benefits of this credit card are as follows

Welcome Benefit

  • You get a 6-month FitPass Pro membership as a welcome gift (including 2,500 premium gyms and fitness studios).
  • 10,000 reward points on spending Rs. 50,000 within 60 days.

Milestone Benefits

You get 20,000 bonus reward points on the annual expenditure of Rs. 5 lakh.

Spend Based Waiver

  • The joining fee is waived on spending Rs. 25,000 in the first 60 days of card issuance.
  • The subsequent year’s annual fee is waived if Rs. 2.5 lakh were spent in the previous year.

Travel Benefits

  • Accelerated reward points (15/Rs. 100) on travel-related spends.
  • Personal air accident (loss of life) cover worth Rs. 1 crore.
  • Lower foreign currency markup of 2%.
  • Unlimited complimentary lounge access at domestic airports under the MasterCard domestic lounge program.

Movie and Dining Benefits

You get a host of movie and dining benefits with the Bank of Baroda Eterna Credit Card, including-

  • 250 plus culinary deals at Mastercard priceless special.
  • Accelerated reward points (15 points/Rs. 100) on dining/movie spends.
  • Buy One Get One on movie tickets booked on Paytm movies (max benefit of Rs. 250/month).

Insurance Benefits

  • Personal air accident covers worth Rs. 1 crore (applicable only in case of loss of life).
  • Accidental death cover (for other reasons) worth Rs. 10 lakh.

Golf Benefits

  • 4 complimentary rounds of golf annually (max 1 per month).
  • 12 complimentary golf lessons annually (max 1 per month).
  • 50% of the green fee waived beyond the complimentary sessions.

Low Foreign Currency Mark-up

As it is a premium credit card by the Bank of Baroda, you get a lower than usual foreign currency mark-up fee of 2%.

Fuel Surcharge Waiver

1% of the fuel surcharge was waived on fuel purchases at all petrol/gas stations across India for transactions between Rs. 400 and Rs. 5,000. The maximum waiver is capped at Rs. 250 per month.

Bank of Baroda Eterna Credit Card Rewards

The reward rates offered by the BoB Eterna Credit Card across different categories are as follows:

  • 15 reward points (5X rate)/ Rs. 100 for spends on online shopping, travel, dining, and movies. You can earn a maximum of 5,000 reward points/ month at this accelerated rate.
  • 3 reward points / Rs. 100 for all other categories of spends.

Reward Redemption

Your earned rewards can be redeemed-

  • as cashback against the card’s statement balance.
  • for various redemption options, including hotel/flight/movie tickets, mobile recharge, shopping, etc, on the BOB’s reward redemption portal.
  • 1 Reward Point = Rs. 0.25.

BoB Eterna Credit Card Fees and Charges

Some of the important fees and charges associated with the Bank of Baroda Eterna Credit Card are as mentioned below:

  • The joining and annual fee of the BoB Eterna Credit Card is Rs. 2,499 plus applicable taxes.
  • The interest rate on this credit card is 3.25% per month, i.e., 39% per annum.
  • The foreign currency markup fee on the BoB Eterna Credit Card is 2% of the total transaction amount.
  • The cash advance fee on this credit card is 2.5% of the withdrawn amount, subject to a minimum of Rs. 500.

Bank of Baroda Eterna Credit Card Eligibility

The eligibility criteria that need to be fulfilled by the applicants in order to get approved for the Bank of Baroda Eterna Credit Card are as follows:

  • The primary and all the add-on cardholders must be residents of India.
  • The primary cardmember must be between 21 and 65 years, and the add-on cardholder must be above 18 years of age.
  • The annual income of the primary cardholder must be above 12 lakh for both salaried and self-employed applicants.

How to Apply for a BoB Eterna Credit Card?

You can apply for the Eterna credit card either online on the bank’s online application portal or offline by visiting your nearest Bank of Baroda branch. Just visit your nearest branch with all the required documents and apply for the card by filling out the physical application form. You can also apply online by following a few simple steps as follows:

  • Click on “Apply Now
  • Fill in all the required details in the digital application form.
  • Complete all the required formalities on the bank’s website.

Customer Care

Bank of Baroda offers a dedicated helpline number to its Eterna credit card members. You can dial their 24×7 helpline number, 1800 103 1002, or just drop them an email at [email protected].

Bank of Baroda (BoB) Eterna Credit Card Review

The Eterna card offers a very good reward rate, and it’s even more lucrative as you get accelerated reward points on all online spends. The only downside is that the maximum reward points at an accelerated rate are capped at 5,000 points per month. Apart from the usual reward points, since it’s a premium credit card, you get many additional privileges, including complimentary rounds/golf lessons and complimentary lounge access at airports across India. The annual fee of Rs. 2,499 is slightly lower if you compare it with other premium credit cards on the market. The likes of HDFC and ICICI offer their top-end cards, such as the HDFC Infinia Credit Card, at an annual fee of over Rs. 10,000. The eligibility criteria are also less strict than those for its competitors. Overall, if you want a premium card and you don’t want to pay a hefty membership fee, you can certainly consider this one by BOB.

What do you think of this credit card? And what is your opinion of the idea of offering premium cards at a low membership fee? We’ve already seen IDFC FIRTS’s Wealth Credit Card, which comes with a zero membership fee. Do share your thoughts in the comments.

FAQs:

Bank of Baroda reward points are valid for 2 years from the date of accrual and expire thereafter.
You get a personal accident cover worth Rs. 1 crore against the loss of life in an air accident. The cover amount is Rs. 10 lakh in case of loss of life due to some other reason.
Yes, you do get zero-cost liability protection, but only post the time of reporting the loss of card to the bank. The liability of any unauthorized transaction prior to the time of reporting lies solely with the cardmember.
Yes, the joining fee is reversed on the expenditure of Rs. 25,000 in the first 60 days of card issuance.
Bank of Baroda Eterna Credit Card

Bank of Baroda Eterna Credit Card

(4.7/5)

3 Comments

  1. vivek Reply

    do we get reward point on walltet load like paytm ?

  2. Bg Reply

    Does this cc offer 15rp for online insurance premium payments?

    • Kartik Kanwar Reply

      No, you wont get accelerated reward points for insurance payments with the BOB Eterna Credit Card. 5X Reward Points are awarded for Dining, Travel and E-Commerce transactions.

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