| Card Name | Eterna Credit Card by Bank Of Baroda |
| Issuer | Bank of Baroda |
| Other Names | BOB Eterna, Bank of Baroda Eterna Credit Card |
| Card Network | VisaMaster Card |
| Rewards | | Online | 3.75 | | Max Savings | 3.75 | | Min Savings | 0.75 | | Other Rewards | Buy one get one on movie tickets using Paytm Movies (up to Rs.250 per month).
Addon Cards - Up to three free addon cards.
Zero liability on lost card.
Earn 10,000 bonus reward points on spending ₹50,000 within the first 60 days & 20,000 bonus reward points on spending ₹5,00,000 in a year.
5X reward points on travel and International Spends
Reduced Forex Markup of 2%.
6 Months FITPASS PRO membership. | | Domestic Lounges | Unlimited | | Fuel Surcharge Waiver | 1% up to 250, from transactions between Rs.400 to Rs.5000 | | Insurance Benefits | Accidental Death Cover: Air - 1Crs, Non-Air - 10 Lacs | | Reward Rate | 0.25 | | Movie And Dining | Buy One Get One up to Rs.250 per month using PayTm Movies.
5X Reward Points on dining. | | Brand Rewards | - 6 Months of FITPASS Membership. on FITPASS
- Buy one get one upto Rs.250 on PayTm Movies. on PayTm
| | Redemption Process |
- Visit Bank of Baroda’s site.
- Log in.
- Select the rewards category in which you want to redeem the reward points.
- Select and add items to your cart.
- Click on ‘Redeem Points’.
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| Exclusions | |
| Targeted to | - Salaried Professional
- Self-Employed Professional
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| Fee | | Joining Fee | 2499 | | Renewal Fee | 2499 | | Fee Waiving | 2,50,000 INR or more spend waives annual fee. Rs 25,000 in 60 days of joining to waive joining fee. | | Forex Markup | 2 | | Interest Rates | 3.25 | | Cash Withdrawal Fee | 2.50% of the withdrawn amount or `500 whichever is higher | | Over Limit Penalty | 2.5% of the amount over & above the sanctioned credit limit or `600, whichever is higher | | Card Replacement Fee | Rs.100 | | Min. Repayment Amount | 5% of outstanding balance or Rs.200 whichever is higher. | | Late Payment Fee | Less than 100 - NIL
100 to 500 - 100
501 to 1,000 - 400
1,001 to 10,000 - 750
10,001 to 25,000 - 950
25,001 to 50,000 - 1100
More than 50,000 - 1300 | | Reward Points Cap | 5000 - for Bonus reward points. |
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| Pros | Buy One Get One on Movie Ticket
Free Add on Cards
Bonus Rewards
Insurance and Zero Liability Covers |
| Cons | High Fees compared to other cards offering similar returns.
1% + GST fee on all rent payment transactions (MCC
6513). |
| Welcome Benefits | 6 Months FITPASS Pro membership.
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| How to Apply |
- Read the eligibilty criteria.
- Apply Online.
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| Eligibility |
- Indian Resident
- Salaried/Self-employed with an income > ₹12 Lakhs p.a.
- Age: 21 to 65 years (Primary Cardholder). Above 18 years (Add-on Cardholder)
Mandatory Documents:
- Passport size photograph (with clear / white background & without glasses)
- PAN Card
- Address Proof. See all accepted address proof documents here.
- Income Proof: Salaried – Bank Statement reflecting salary credit for last 2 months. Self-Employed – Bank Statement in PDF reflecting business transactions for last 3 months.
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| Documents and Links | |
| Customer Care | |
