Bank of Baroda Eterna Credit Card
Updated on September 1, 2026
🎖️Reward Rate
15 Reward Points (3.75% value) per ₹100 spent on Travel, Dining, and International transactions
Overview
Enjoy 60+ domestic airport lounges, exclusive dining and movie perks, and unmatched lifestyle benefits with the BOBCARD Eterna Credit Card. Apply now for a premium and rewarding experience.\n\n
Rewards
Reward Type
Reward Points
Reward Rate
- • 15 Reward Points (3.75% value) per ₹100 spent on Travel, Dining, and International transactions
- • 3 Reward Points (0.75% value) per ₹100 spent on all other retail categories
Welcome Benefit
10,000 bonus reward points (worth ₹2,500) on spending ₹50,000 within 60 days of card issuance + 6 months FitPass Pro membership worth ₹15,000.
Milestone Benefit
100% annual fee waiver of ₹2,499 on achieving ₹2.5 Lakhs annual retail spends; 20,000 bonus reward points (worth ₹5,000) on spending ₹5 Lakhs in a year
Redemption
- • Redeem directly as statement credit (1 Point = ₹0.25)
- • Redeem against flight bookings, hotel stays, and luxury brand vouchers
Benefits
- Domestic Lounge: Unlimited complimentary visits visits
- International Lounge: Access via Priority Pass membership (Paid / standard guest visits) visits
- Buy 1 Get 1 Free on Paytm Movies: Buy one movie ticket and get second ticket free up to ₹250 per ticket, twice every calendar month on Paytm Movies.
- Discounted 2.0% Forex Markup: Enjoy a low 2.0% foreign currency transaction fee on international spends.
- Complimentary Golf Rounds: Complimentary access to golf rounds and golf lessons across premier courses in India.
Things to Know Before you apply
Bank of Baroda Eterna Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried or Self-Employed with minimum annual income of ₹12,00,000
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹2,499 |
| Annual Fee | ₹2,499 |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹500) |
Fee waiver: Spend ₹2,50,000 or more in the preceding billing year for 100% annual renewal fee waiver.
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The Credit Cards with Domestic Airport Lounge Access, Best Lifestyle Credit Cards, Dining, Eterna Credit Cards – BOBCARD issued by Bank of Baroda is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.
Pros
- • Earn 10,000 bonus reward points on spending ₹50,000 within the first 60 days & 20,000 bonus reward points on spending ₹50,00,00 in a year. Know more
- • Fee Waiver Spend Rs 25000 in the first 60 days and get your joining fee waived off***. Spend ₹2,50,000 in every card anniversary year and get your annual fee waived off***.
- • 3 Reward Points for every ₹100 spent on other categories*.
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
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- • 10,000 bonus reward points (worth ₹2,500) on spending ₹50,000 within 60 days of card issuance + 6 months FitPass Pro membership worth ₹15,000.
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • Complimentary welcome voucher worth ₹500 from premium retail partners upon completion of first transaction within 30 days.
- • Qualification Criteria: First card swipe within 30 days of issuance
- • Fulfillment Timeline: Dispatched via SMS within 45 days
- • 15 Reward Points (3.75% value) per ₹100 spent on Travel, Dining, and International transactions
- • 3 Reward Points (0.75% value) per ₹100 spent on all other retail categories
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Accelerated Rewards: Earn 6 Reward Points per ₹100 spent on International purchases (4X Accelerated Earning)
- • Excluded Categories: Fuel purchases
- • Wallet loads
- • EMI transactions
- • Government payments
- • Earn 10,000 bonus reward points on spending ₹50,000 within the first 60 days & 20,000 bonus reward points on spending ₹50,00,00 in a year. Know more
- • Fee Waiver Spend Rs 25000 in the first 60 days and get your joining fee waived off***. Spend ₹2,50,000 in every card anniversary year and get your annual fee waived off***.
- • 3 Reward Points for every ₹100 spent on other categories*.
- • High value reward program
- • Wide merchant acceptance
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions