BOBCARD ETERNA Credit Card: Benefits & Apply

Summary

High reward points, travel benefits, and lifestyle advantages abound in the premium offering from BOB Financial, the BOBCARD ETERNA Credit Card. First of all, since this card grants 5X reward points in these areas, it is ideal for those who often travel, eat out, buy online, or shop. Daily use calls for this wise choice since these points are easily redeemable for gifts and vouchers.

Moreover, the card gives eight free domestic lounge passes yearly, so it improves your travel experience by including even more comfort. It also offers free insurance, covering personal accidents as well as air accidents, so it offers financial stability should an emergency strike.

Apart from the already mentioned, the card saves petrol by waiving a 1% fuel surcharge on purchases between 400 and 5,000. Along with milestone rewards—bonus points for yearly spending ₹5 lakh and welcome benefits like 10,000 bonus points on spending ₹50,000 within the first 60 days.

Introduction

Today, a credit card is more than just a plastic card. This tool helps to correctly handle money, provides interesting rewards and benefits for lifestyle., If you appreciate maximum value on your purchases, special offers, and premium services, the BOBCARD ETERNA Credit Card would be perfect for you. First presented by Bank of Baroda Financial Solutions (BFSL), this card is particularly designed for those seeking outstanding returns on their purchases, luxury, and simplicity of use.

The BOBCARD Eterna Credit Card is first a credit card with lots of lifestyle and rewards value. It offers benefits practically in every type of spending, including shopping, dining, travel, and entertainment. Apart from reward points, this card offers free access to airport lounges, fuel surcharge exemption, and attractive milestone rewards. It thus becomes a great friend for those who spend often and want something extra in return.

Moreover, the card stands out from the others for a number of reasons. From 5X reward points on online shopping, travel, and dining, the ETERNA Card allows you to quickly accumulate benefits. Since these reward points can be used for a variety of options, they enable more value for every rupee you spend. This card also offers free insurance coverage, zero lost card liability, and advanced contactless technology to help further guarantee safety and peace of mind.

Furthermore, reflecting their luxury character is the design and overall impression of the card. The BOBCARD ETERNA distinguishes you with its sophisticated look and features meant for high-end buyers. Whether your purchase is flight tickets, dining at a luxury restaurant, or online shopping, this card gives your transactions some elegance.

What is the BOBCARD ETERNA Credit Card?

BoBCard Eterna Credit Card is the premium lifestyle credit card available from BOB Financial, a Bank of Baroda division. It is especially meant for those who wish from their credit card extra benefits and luxury experiences. Users of this card will get high reward points, free access to airport lounges, and special travel and dining coupons.

This card also gives 5X reward points on online buying, travel bookings, and dining for those who spend frequently in these areas. Complementary insurance coverage, fuel surcharge waiver, and milestone-based rewards help to raise its value even more.

How is the design of the BOBCARD ETERNA Credit Card?

The BOBCARD ETERNA Credit Card’s design is modern yet understated. With its elegant black background and fashionable silver accents, the card first seems premium. It reflects the exclusive character of the card by giving a rich and elegant feel.

Furthermore, the card has a vertical layout, unlike conventional cards, and gives its look a special character. It looks professional and neat with the orderly placed Mastercard and BOBCARD logos.

What are the benefits of the BOBCARD ETERNA Credit Card?

Let’s go through its main benefits using simple language:

1. Great reward point here.

Among the main attractions of the BOBCARD Eterna Credit Card is its generous reward program:

• Five-X reward points for dining, travel, and internet shopping.

• One point for each hundred dollars spent in other categories.

• One can redeem these reward points for gifts, vouchers, and more by means of the BOBCARD rewards portal.

2. Complimentary Airport Lounge Entrance

Ideal for regular travellers who enjoy comfortable travel, this card offers eight free domestic airport lounge visits (2 per quarter).

3. Independent Insurance Coverage

BOBCARD Eterna members receive:

• Worth ₹1 crore in complementing personal accident insurance.

• Purchase protection cover and air accident insurance will provide even more safety for your trips and purchases.

4. Waiver of Surcharge on Fuel

Cut petrol costs by:

• A 1% fuel surcharge waiver is applied at all petrol stations around India on transactions between ₹400 and ₹5,000.

• Max wavers of ₹250 every statement cycle.

5. Successes at turning points

Mileage bonuses on this card respect committed users:

• Spend at least ₹5 lakh a year and get 20,000 bonus reward points.

• Often, using the card adds much value.

6. Contactless Transactions

• Supporting contactless technology, the card lets you just tap and pay at enabled terminals. It speeds up and provides safer means of transaction.

7. Zero Missing Card Responsibility

• Should your card be lost or stolen and reported immediately, you are free from any illegal activity carried out following the report.

What are the fees for the BOBCARD ETERNA Credit Card?

Here is a simple breakdown of the  BOBCARD ETERNA Credit Card fee.

Joining Fee	₹2,499 + GST
Annual Fee	₹2,499 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.25% per month (39 % annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a BOBCARD ETERNA Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get a BOBCARD ETERNA Credit Card?

The documents that you will have to submit to get the BOBCARD ETERNA Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the BOBCARD ETERNA Credit Card be used?

Here is the list of places where you can use it:

• With the BOBCARD ETERNA Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  BOBCARD ETERNA Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The BOBCARD ETERNA Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the BOBCARD ETERNA Credit Card?

The credit amount you can spend is what you are provided with when you have a BOBCARD ETERNA Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies from person to person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for the BOBCARD ETERNA Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the Bank of Baroda, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Bank of Baroda; for instance, you can choose the BOBCARD ETERNA Credit Card.

• Simply hover your cursor over the BOBCARD ETERNA Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest Bank of Baroda branch to apply for the BOBCARD ETERNA Credit Card.

• Request the credit card application form for the  BOBCARD ETERNA Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  BOBCARD ETERNA Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions in the envelope through the Bank of Baroda Card website, mobile app, or customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a BOBCARD ETERNA Credit Card in 2025 be the right choice?

Obtaining the BOBCARD ETERNA Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

Bank of Baroda is also a strong bank with high customer service, making it a dependable choice. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

This credit card is indeed a well-rounded tool for modern consumers with 5X reward points on some categories, free insurance coverage, and free lounge access.

Professionals, business travellers, and those who search for comfort and convenience in their daily expenditure will find the card especially more appealing, also because of its elegant design, contactless payment function, and low foreign currency markup charge. Long term, the card is even more valuable since the extra benefits from the welcome bonuses and milestone benefits appeal to consumers.

Those who routinely and responsibly use their credit card will also find logical in the annual fee waiver option logical. Simple application procedures and customer service policies of BOB Financial ensure hassle-free banking.

Frequently Asked Questions (FAQ’s)