Bank of Baroda Eterna Credit Card

Bank of Baroda Eterna Credit Card Features and Benefits

The Eterna Credit Card offered by BoB Financial is the bank’s most premium offering. It comes with a great reward rate and several exclusive benefits across different categories, including shopping, travel, entertainment, dining, and 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 ₹50,000 within 60 days.

Milestone Benefits

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

Spend Based Waiver

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

Travel Benefits

• Accelerated reward points (15 RPs/₹100) on travel-related spending.
• Personal air accident (loss of life) cover worth ₹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/₹100) on dining/movie spends.
• Buy One Get One on movie tickets booked on Paytm movies (max benefit of ₹250/month).

Insurance Benefits

• Personal air accident covers worth ₹1 crore (applicable only in case of loss of life).
• Accidental death cover (for other reasons) worth ₹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 issued by the Bank of Baroda, you pay a 2% foreign currency mark-up fee, which is lower than usual.

Fuel Surcharge Waiver

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

UPI Enabled

Since the Bank of Baroda Credit Card is available on the RuPay network, it can easily be linked to UPI applications. This would allow cardholders to make payments through their UPI apps, such as Google Pay, PhonePe, and Paytm.

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)/₹100 for spending on online shopping, travel, dining, and movies. At this accelerated rate, you can earn a maximum of 5,000 reward points/ month.
• 3 reward points/₹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 = ₹0.25.

BoB Eterna Credit Card Fees

Some of the important fees 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 ₹2,499 + GST.
• 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 ₹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 email them 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 ₹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 ₹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 on 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.