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

Bank of Baroda Eterna Credit Card


  • Check the Latest Features and benefits of the Eterna Credit Card by Bank of Baroda.
  • See the Fees and Eligibility Criteria in order to Apply for the Credit Card.
  • Earn thousands of reward points through this 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 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.

    Eterna Credit Card Reward Point Benefit

    • Earn three reward points on every ₹100 transaction on Baroda Eterna Credit Card.
    • One reward point is worth ₹0.25.
    • So, four points make ₹1
    • Redeem these points via online shopping

    For Travel

    • Earn 15 Reward Points on every ₹100 done on Travel and International Transactions.
    • Also unlimited Access to the Domestic Airport Lounges through this credit card.
    • So, save some extra bucks on international transactions as the foreign mark-up fee is 2% for this HDFC Card.

    On Movies and Shopping

    • Get 15 Reward Points on every expenditure of ₹100 on online shopping.
    • Also, if you buy a movie ticket from Paytm, you will get one free ticket (worth up to ₹250) every month.

    Dinning Experiences

    • Get 15 Reward Points on a transaction of every ₹100 on dining.
    • Also enjoy exciting deals at 250+ restaurants under the MasterCard program.
    • So, stay at the luxurious hotels and resorts that come under the MasterCard program.

    Fitness Benefits

    • Enjoy 6 months FitPass pro membership worth ₹15000 as the welcome benefit.
    • So, get access to the premium golf courses with the MasterCard program.

    Upon Reaching Milestones

    • 10,000 bonus points upon spending ₹50,000 within the first sixty days following the card activation.
    • Also when you reach ₹5 Lakhs spending limit in a year, 20,000 bonus points credit.

    Fuel Surcharge Waiver

    • Get a fuel surcharge waiver of 1% at the refilling stations
    • But the maximum waiver allowed is ₹250 per statement cycle
    • Also the minimum transaction needed for the waiver is ₹400

    Insurance Cover for Bank of Baroda Eterna Credit Cardholder

    • Death cover – ₹1 Crore in Air Accident (maximum limit)
    • Personal accident death cover – ₹10 Lakhs in (maximum limit for a non-air accident)

    EMI Conversion

    • Convert ₹2,500 purchases into EMIs
    • Also choose the repayment period for the EMI between 6 and 12 months

    Fees and Charges of Bank of Baroda Eterna Credit Card

    Annual Fees₹2499
    Spend INR 25000 within 60 days from the card issuance.Annual Fees- Waived Off
    Renewal Fees₹2499
    Spend INR 2.5 Lacs in a YearRenewal Fees- Waived Off
    Add-On Card FeesFree up to 3 Credit Cards
    Forex Mark-Up Fees2%
    Value of 1 Reward Point in Rupees₹0.25

    Eligibility Criteria and Documents Required

    • 21 years for primary cardholder
    • Also the minimum age is 18 years for an add-on cardholder
    • But 65 years is the maximum age limit for the applicant
    • ₹12 Lakh per annum or more income
    • Indian resident, so not for NRIs

    Document Required

    Below you can also see the documents required to apply for the Bank of Baroda Credit Card

    ID Proof

    • PAN (Mandatory)
    • Aadhaar Card / Voter Id card /Passport /Driving License

    Address Proof

    • Aadhaar Card
    • Property or Municipal Tax receipt
    • Voter Id card
    • Passport
    • Driving License
    • Utility Bills
    • Rent Agreement
    • House allotment letter issued by State or central government

    Income Proof

    • Salaried: Last 2 months salary slip + bank statement showing salary credits.
    • Self-employed: Later income tax return (ITR)

    Eterna Credit Card Payment Options

    • Bank of Baroda Net Banking Facility
    • Bank of Baroda Mobile Application
    • NACH Facility
    • Cash and Cheque Payments
    • Billdesk

    So, choose the payment option you are comfortable with.

    Bank of Baroda Eterna Credit Card Apply

    You can apply for this BOB Credit Card both online or offline. So, the decision is yours in which you are more comfortable. Check out the application process for the Eterna Credit Card below –

    Online Procedure

    • Go to the official website of BOB Financials on your smartphone, desktop or laptop, whichever device you are using.
    • Find the ‘Eterna Credit Card’ from the available card options
    • On the BOB Credit Card page, you will see the ‘Apply Now’ button
    • So, click the button to go to the application form
    • Now fill in details like – name, email, mobile, DOB, address, PAN and nationality
    • Click on the ‘Generate OTP’ button
    • So, enter the OTP you have got on your mobile
    • E-sign the application and complete the KYC process

    Offline Procedure

    If you don’t like the online process, you can also apply offline. So for this, you just have to go through these steps –

    • Go to the BOB Financials branch office
    • Talk with the representative
    • Ask about the ‘BOB Eterna Credit Card’
    • Know the credit card details
    • Now fill in the application form
    • Attach the documents mentioned above
    • And your colour photographs
    • Submit the application form at the counter

    You will know about the BOB Credit Card Status via SMS or email. Also you can check the same by yourself by visiting the BOB Financials website.

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