BOB Eterna Credit Card Review – Benefits, limit, Apply

BOB Eterna Credit Card Review – As per its name, Eterna which means Endless, it allows no-limit benefits on Each Day’s Purchasing and adds value to your day-to-day purchases. it mainly focuses on daily lifestyle purchases. it offers exclusive benefits on Travel, Movies, Dining, fitness & Shopping.

This is a Premium-level Card With reward points issued by the Bank of Baroda. it offers flat 3 Reward Points on each ₹100 or Above Spent for All other Categories.

it comes with all fantastic benefits such as In-built insurance coverage, a 1% fuel surcharge waiver Benefits, Milestone Rewards, a Smart EMI option, And Zero liability on the lost card.

If you want a High-End Card that offers you plenty of Features and Reward Points on Daily Expenses such as Movie Tickets, Gym Workouts, and Premium restaurant dining and you are A travel enthusiast, it could be one of the best premium-type cards for you to choose from. it offers the facility of Unlimited Domestic Airport Lounge Access.

For its Premium Features, it has the first annual fee of ₹ 2499. Also, it has a Membership Fee Waiver Feature, if you spend more than ₹ 25,000 within starting 60 days from its activation to get the First Year Annual Fee Waiver benefit.

Through this Article, we are going to share with you a brief review of the BOB Eterna Credit Card which can find all solutions to your queries related to the Bank of Baroda Eterna Credit Card. for instance, limit, airport lounge access, benefits, charges, eligibility and more.

The benefits And Review of the Bank of Baroda Eterna Credit Card

Table of Content

BOB Eterna Credit Card Highlight Factors

Card TypeHigh-End Premium-Type Card
Best SuitableTravelers, Professional Businessmen, Salaried Individuals,
Card Benefits &
– Buy One Get One (BOGO) Movie Ticket Benefits on Paytm Movies App spending up to ₹250 each Month per Eterna Card.
– Complimentary Personal Accidental Death Cover Worth upto ₹1 Crore on Air And ₹10 Lakh on Non-Air Accidental Death.
– 1% fuel surcharge waiver on Refueling any Fuel Platform in India
– Zero liability on the lost cards and any fraudulent transactions
– 4 prominent Golf Course coaching lessons in a year
– Free-of-Charge Unlimited Access to Airport Lounges Only in India.
Reward Points or Cashbacks– on Purchasing more than ₹100, it offers 3 Default Reward Points on All Other Categories
– Upto 15 Rewards Points on Shopping from Online Stores
– Earn Upto 15 Reward Cashback Points on Purchasing ₹100 or more related to Travel And it works on International Spending too.
– 15 Rewards Points on Spending ₹100 or Above on Dining
Welcome Gift– Complimentary Upto 6 Months FitPass Pro Membership (Which will be worth Upto ₹15000) To Access fitness studios across India As A Cardholder Welcome Gift
Milestone Rewards– As A Milestone Rewards Bonus, it allows earning Upto 10000 Reward Points on ₹ 50,000 within the first 60 days
– Additional 20000 Reward Points When your Purchasing touch more than ₹5 lakh in A Year.
Renewal OfferFirst-Year Waiver Benefit when your Spending touches ₹25000 or above within 60 days from the activation of the card.
Per Year Membership Fee Waiver when your spending touches more than ₹2.5 lakh in the subsequent year.

What Are The BOB Eterna Credit Card Offers And Benefits

Image Full Credit to Bank of Baroda Official Website

If you want to save on Per Day Lifestyle spending such as Dining, movies, Gym, Online shopping, and traveling, it could a beneficial card for you from Bank of Baroda. it adds a layer of earning cashback as reward points on different categories of purchasing. moreover, it allows the cardholder to access Unlimited Airport Lounge access all over India. when you spend outside of India,

it offers to get 15 reward points on each spending and offers savings on international transactions at a forex markup rate of upto 2%. For protection from untoward Incidents, it offers Personal Accidental Death Cover worth upto 1 crore on any Air Accident and 10 Lakh Personal Accidental Death Cover on Non-Air Incidents.

if your Travelholic, it could be one the good card to choose from. it supports all additional BOB Features Such As

  1. Smart EMI option
  2. Zero liability on lost card
  3. Free Add-on card
  4. Fuel Surcharge Waiver

As I Already Said, it is especially for Lifestyle Spends, it offers Upto 15 Reward Points On Purchasing ₹100 or More On Dining, Online Shopping, While Traveling, And on All Other International Transcations.

On All Offline And Other Categories of Shopping, it offers To Earn 3 Reward Points on Each Spend upto ₹100. which is quite impressive, if you compare other popular premium credit cards.

It has 2499 Annual Charges with Additional GST Taxes. which is good Because it provides the First Year’s Annual Fee Waiver Benefit And Annual Membership Fee Waiver Benefits.

Discounts And Cashback

Reward Points & Cashback On CardExplanation
Free Premium Subscriptions6 Month Free Pro FitPass Membership across India
Restaurant Dining Benefits– Culinary deals at more than 250 restaurants
– It offers to earn 15 Reward Points on Dining Bill payments of ₹100 or more
Domestic Airport Lounge Access LimitFree Of Cost Unlimited All over India
International Lounge Access LimitNo Complimentary International Lounge Benefit
Offline Cashback3 Reward Points

Short List of Card Features

Additional FeaturesDescription (Details)
Entertainment BenefitsAs A Entertainment benefit, it offers Buy One Get One (BOGO) Movie Tickets Benefit through Using Paytm Movies On Transactions up to ₹250.
EMI FacilityConvert your All Card Payments into 6/36 months EMI
Contactless PaymentYes

Set Card Control
Use the Bank of Baroda App to Set And Control All Limits of your All Bank of Baroda Credit Cards
Foreign Currency Mark up2%

How to Use Reward Points Redemption

You can convert your all earned Cashback Reward points into Real Cashback which will value each earned reward point to 1 reward point = ₹ 0.25

What Are Card Charges and Fees

List of ChargesOverview
Annual Fees on The Card₹2499 And Additional GST taxes
– Which will waive off you spending more than ₹2.5 lakh in A year)
First Year Fee₹2499 And Additional GST taxes
(Which will waive off you spend more than ₹25 thousand within the first 60 days)
Joining Charges₹2499 And Additional GST taxes
Finance Fees(Interest) 3.49% each month which will be 41.88% Annually
Late Payment Fee₹100 to ₹950 As per Total Due Payment
Cash withdrawal fee2.5% of the total transaction amount
Add-on cards3-lifetime free add-on cards for your family members
Rewards redemption Value For Cashback 1 reward point = ₹ 0.25

What Are the Eligibility Criteria For Eterna Credit Card By Bank of Baroda?

Business Professionals, Self-Employed, And Salaried Personal are fully eligible to get this Bank of Baroda credit card without hassle. it has a few Eligibility Criteria which you must have to follow to get the card. the first is, The applicant who wants this card must have an age between 21 years of 65 years.

The primary cardholder must be a Resident of India and stable monthly income. moreover, you must have to follow additional Eligibility Conditions such as A Great Score Upto 750. The minimum Income Requirement for the card is ₹ 12 Lakhs per annum or more. which will apply to both Self-Employed And Salaried Applicants.

Eligibility CriteriaOverview
Only ForSalaried, Businessmen, Self-Employed
Your Age Must BeStarts from 21 Years to 65 Years Last
Minimum Salary Requirement & Annual ITR12 Lakh On Annual ITR

Bank will ask you for a few Documents, such as PAN, Voter ID, Aadhar Card, And more to Verify And KYC For the complete process and delivery card to your doorstep. below, we listed all requirements the bank may ask –

Airtel Axis Bank Credit Card Eligibility
Bank of Baroda ETERNA Credit Card Eligibility


What is the Bank of Baroda Eterna Credit Card?

Bank of Baroda Eterna Credit Card is a Premium-Level Luxurious Cashback Based Card. it exclusively provides the cardholder to earn Upto 15 Reward Points on Movies, Dining, Travel, International Shopping, And Online Shopping. moreover, it supports all additional benefits such as Rewards on spending, Welcome Perks, Real Cash backs, And Complimentary Services.

What Is the Bank of Baroda Eterna Credit Card Customer Care Number?

1800-103-1006 And 1800-225-100 are the official Bank of Baroda Helpline numbers to connect anytime and find solution related to credit, loan, and other services.

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we hope you will like the review on BOB Eterna Credit Card. do share on social media handles and with your friends and closest family members. if you have any queries related to credit cards, we love to hear and find solutions for you. comment down below or you can Mail us at

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Naman Parmar professionally known as Nanne Parmar is an Indian Internet entrepreneur, financial expert, referencing expert, and investor. He’s the man who started NE Factory And PriceMint. He has more than four years of experience in the financial technology industry.

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