By: OurMoneyGuide || Last updated on: April 23, 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.
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.
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
– 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
1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback.
Upto 1.50% additional benefit (milestone privileges)
– 10,000 points worth ₹2,500, at ₹50,000 card spend within 60 days of card issuance date
– 20,000 points worth ₹5000, at ₹5 lakh 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.
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 maximum ₹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.
Please click here, to see all available options to contact your card issuer.
Annual fee & annual fee offers
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year annual fee | ₹2499 | Welcome 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 | ₹2499 | Renewal 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 ₹2,50,000 or more each year |
Late payment fee
Late payment fees depends on the total payment due
| Total payment amount due | Late fee |
|---|---|
| Less than ₹100 | Nil |
| ₹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 |
– 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
| Minimum age | 21 years (minimum age for add-on cards is 18 years) |
| Maximum age | 65 years |
| Occupation | Salaried and self-employed |
| Income requirements | Minimum income should be ₹12 lakhs per annum – for salaried as well as self-employed individuals |
| Residential status | The individual should be a resident of India. |
| 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) |
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.
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