Bank of Baroda Eterna Credit Card - Benefits, Features, Fees & Charges

Bank of Baroda Eterna Credit Card

There are some credit cards that are only used to enjoy a luxurious lifestyle and great offers and deals. Not only they help to enjoy the credit limit but also they earn you discounts and cashbacks. One such credit card is the Bank of Baroda Eterna Credit Card that has a lot of exciting deals and offers. It will give you travel benefits and a great dining experience. You can also have exclusive deals on shopping and movie tickets. But you must not miss the fees and eligibility criteria to apply for this card. Let’s take a look at the exclusive features and benefits of this BOB credit card and see how it will help you to save some expenses while using your card.

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    Features and Benefits of Eterna Credit Card

    Here are the exclusive benefits of this card that you must explore before applying for it. You must go through the offers and deals that are currently available on this credit card.

    Here’s how you rack up points with the Bank of Baroda Eterna Credit Card:

    • Earn a generous 3 reward points for every ₹100 spent on most purchases! That’s right, every swipe brings you closer to exciting rewards.
    • Maximize your rewards game with 1.5 bonus points for every ₹100 spent on specific merchants categorized under SELECT MCCs*. Focus your spending on these categories and watch your points pile up even faster!


    • SELECT MCCs*: These are specific merchant categories (like departmental stores, electronics, etc.) where you get the bonus points. Consult the bank’s website or your rewards credit card statement for a detailed list.
    • Reward points = potential for exciting gifts, travel experiences, or simply cash back. So, start swiping and get rewarded for your everyday purchases!

    Check out the exclusive perks below:

    Exclusive PrivilegesReward PointsTotal Savings
    Dining Experiences15250+ discount deals at luxury hotels & restaurants
    Travel Benefit15Unlimited lounge visits + reduced forex markup
    Movie & Shopping Fun15BOGO movie tickets, up to ₹250 per card per month
    Fitness & FrolicN/AWorth ₹15,000 Fitpass Pro Membership (for 6 months)

    Note: These exclusive benefits by BOB Credit Cards may vary based on the type of your credit card. As the dining experience benefit is for Mastercard holders only.

    Level Up Your Rewards with Milestone Achievements!

    Here’s how the Bank of Baroda Eterna Credit Card rewards your dedicated spending:

    Fast Start Bonus: Hit the ground running! You’ll earn a massive 10,000 bonus reward points just for making a total of ₹50,000 purchases within the first 60 days of card activation. That’s a head start on your journey to exciting rewards!

    Annual Rewards Milestone: Keep the momentum going! Spend ₹5 lakhs over the course of a year, and you’ll be rewarded with a whopping 20,000 bonus reward points. Celebrate your financial commitment and unlock even more possibilities with these additional points.


    • These bonus points are added to the regular points you earn on your spending.
    • Every swipe counts towards reaching these milestones.
    • More points mean more opportunities to redeem for the things you desire, like travel, gadgets, or even cashback!

    Embrace the spirit of accomplishment and watch your rewards reach new heights with the Bank of Baroda Eterna Credit Card’s Milestone Rewards program!

    Fees & Charges Associated with BOB Eterna

    Bank of Baroda credit card fees vary depending on the card type but generally include annual fees, late payment charges, and transaction fees. For details, check the table below.

    Type of FeesTotal Amount (In ₹)
    First Year Fee2,499
    Annual Fee2,499
    Add-on FeeNIL

    First Year Annual Fee: While there’s an initial First Year Fee of ₹2,499, don’t let that deter you! Bank of Baroda offers an exciting opportunity to waive this fee completely by simply spending ₹25,000 within the first 60 days of receiving your best credit card. That’s right, unlock all the incredible rewards and benefits with the potential to recoup the fee through responsible spending. It’s a win-win situation! Remember, the fee reversal appears in your 4th bill statement, and timely payments are key.

    Annual Fee: The annual fee of ₹2499 might raise an eyebrow, but consider it your key to unlocking ongoing value. By spending a moderate ₹2.5 lakhs within a year, you can completely waive the fee in the subsequent year! It’s an investment in continued savings, rewards, and convenience your Bank of Baroda Credit Card offers.

    Important Note: First year fee reversal and annual fee waiver are for responsible cardholders only, with a good credit history. Ensure timely payments and avoid delinquencies to enjoy these benefits.

    Eligibility for BOB Eterna Credit Card

    Here are the eligibility criteria for the Bank of Baroda Eterna Credit Card:

    • Age must be a green light – 21 to 65 for you, 18+ for your add-on holder
    • Income needs to shine – ₹12 lakhs or more per year (salaried or self-employed)
    • Indian residency

    Check out the list of documents required during the BOB card application.

    Document TypeRequired Documents
    Proof of Identity* PAN (Mandatory)
    * Aadhaar Card / Voter ID Card / Passport / Driving License
    Proof of Address* Aadhaar Card / Voter ID Card / Passport / Driving License
    * Utility Bills / Property or Municipal Tax Receipt / Rent Agreement / House Allotment Letter (State/Central Govt.)
    Proof of Income* Salaried: Last 2 months salary slips + bank statement showing salary credits
    * Self-employed: Latest Income Tax Return (ITR)

    How to Apply for a Bank of Baroda Eterna Credit Card?

    Choose your application method:

    • Online: Visit the Bank of Baroda website or mobile app. Simply fill out the application form, upload your documents, and submit.
    • Offline: Visit your nearest Bank of Baroda branch and submit your completed application form with the required documents.


    Whether it’s earning rewards on everyday purchases, enjoying travel perks, or accessing special discounts, the BOB Eterna Credit Card adds significant value to the cardholder’s financial journey. Furthermore, the innovative features and the commitment to customer satisfaction demonstrate the card issuer’s dedication to staying ahead in the dynamic landscape of the credit card industry.


    Q. How much is 1 reward point worth on the Bank of Baroda Eterna Credit Card?

    A. 1 reward point is worth ₹0.25 when redeemed for cashback.

    Q. Can I share the benefits of my Bank of Baroda Eterna Credit Card with family?

    A. Absolutely! Get up to 3 lifetime free add-on cards for your spouse, parents, siblings, or kids.

    Q. Can I manage large purchases with my Bank of Baroda Eterna Credit Card?

    A. BOB Smart EMI option lets you convert any purchase above ₹2,500 into easy monthly instalments ranging from 6 to 36 months.

    Q. How do I activate or avail of the in-built insurance cover?

    A. The in-built insurance cover is automatically provided to all BOB Eterna Credit Cardholders. There is no separate activation process required.

    Q. Do I get reward points for fuel transactions made using the fuel surcharge waiver?

    A. No, unfortunately, you won’t earn reward points on any fuel transactions where the surcharge waiver is applied