Bank of Baroda ETERNA Credit Card: Features & Benefits

Summary

The Bank of Baroda ETERNA Credit Card is a premium lifestyle credit card designed for heavy users who shop, dine out, and travel frequently. It is excellent on reward points, milestone rewards, and privileges, and thus an ideal choice for those who want maximum returns on their spending.

The biggest draw of this card is that it provides an extremely high rate of reward. Online transactions, dining, and travel spending earn 10 Reward Points for every ₹100 spent, and all other spending gets 3 Reward Points for every ₹100. With 1 Reward Point = ₹0.25, the actual value of rewards can be very significant over some time Even fuel spending comes with a waiver of a 1% surcharge, making it even more economical.

For frequent flyers, the card offers 8 complimentary domestic airport lounge visits in a year (2 per quarter) and Priority Pass membership to international lounges (although access charges are applicable). Fans of movies get a Buy One Get One (BOGO) deal on BookMyShow with up to ₹500 saved per month. Restaurant discounts at dining partner restaurants give additional value.

Introduction

The Bank of Baroda ETERNA Credit Card is an excellent choice for those who want to earn rewards and special benefits on their everyday spending. This premium credit card is specially designed for those who want to earn great reward points on lifestyle expenses such as shopping, travel, and entertainment. The Bank of Baroda ETERNA Credit Card offers its customers rewards on every spend along with many other features, making the Bank of Baroda ETERNA Credit Card a premium credit card in the market.

With the Bank of Baroda ETERNA Credit Card, you can earn reward points on every spend, and you get to earn great reward points on spending on specific categories like travel and entertainment. Not only this, but if you are a frequent international traveler or have a passion for luxury shopping, the Bank of Baroda ETERNA Credit Card also gives you a lot of special benefits like free access to airport lounges, special discounts, and cashback offers.

With the credit card, you also get features like a free surcharge waiver, complimentary insurance coverage, and 24×7 customer support. Bank of Baroda ETERNA Credit Card can prove to be especially beneficial for those who often shop online or make various bill payments online, as the reward points received on it can be used in different redemption options.

In today’s article, we will discuss in detail about BoB ETERNA Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of BoB ETERNA Credit Card and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not have any problems later.

What is the Bank of Baroda ETERNA Credit Card?

The Credit Card is a premium credit card designed specifically for those who want to earn more rewards and special features on their spending. With the Bank of Baroda ETERNA Credit Card, you can earn Reward Points on your shopping, travel, and entertainment spending.

ETERNA Card has several great advantages such as earning Reward Points on each spend and earning Reward Points on travel and entertainment. Besides this, the BoB ETERNA Credit Card also has airport lounge access, a fuel surcharge waiver, and free insurance cover.

What is the design of the Bank of Baroda ETERNA Credit Card?

BoB ETERNA Credit Card features a premium and stylish look that bestows on it an elegant appearance. The card is offered in a chic black color with a contemporary and refined look. The “ETERNA” logo is prominently placed, which contributes to its exclusive look.

The contactless payment symbol is also visible, which facilitates easy tapping and payment without swiping. Overall, the BoB ETERNA Credit Card design reflects luxury and class, which makes it perfect for those who desire a high-end and stylish credit card.

What are the benefits of the Bank of Baroda ETERNA Credit Card?

Here are the most important benefits with actual reward points:

1. Maximum Reward Points on Spending

• 10 Reward Points on every ₹100 spent made using online shopping, dining, and travel.

• 3 Reward Points on every ₹100 spent on all spends except fuel, rent, and wallet loads.

• 1 Reward Point = ₹0.25, thus 10 Reward Points = ₹2.50.

2. Lounge Access & Travel Benefits

• 8 free domestic airport lounge visits a year (2 per quarter).

• Complimentary Priority Pass membership (international lounges, but with fees).

3. Fuel Surcharge Waiver

• 1% fuel surcharge waiver on all petrol pumps in India on spends between ₹400 and ₹5,000.

4. Film & Dining Offers

• BOGO (Buy One Get One) on BookMyShow – ₹250 per ticket, twice a month.

• Dining reward at partner restaurants under the Eterna Dining Delights program.

5. Milestone Rewards

• Get ₹2,500 vouchers on a quarterly spend of ₹50,000.

• Spend ₹2.5 lakh in one year and receive an annual fee waiver.

6. Contactless & Secure Transactions

• Contactless payment facility for easy transactions.

• EMV chip to give added security against fraud.

What are the Bank of Baroda ETERNA Credit Card fees?

Here is a simple BoB ETERNA Credit Card fee breakup.

Joining Fee	₹2,499 + GST (one-time fee when you get the card).
Annual Fee	₹2,499 = GST per year. This will be waived if you spend ₹2,50,000 or more in 90 days.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on 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 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Bank of Baroda ETERNA Credit Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the BoB ETERNA Credit Card.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 5,00,000 usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. Your credit score plays a role in the selection process. Bank of Baroda tends to favor borrowers with a better credit score, usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Bank of Baroda ETERNA Credit Card?

The documents that you will have to submit to Get a BoB ETERNA Credit Card are as below:

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 employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Bank of Baroda ETERNA Credit Card be used?

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

• With the BoB 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, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• 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, as well as to 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 BoB ETERNA Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The BoB ETERNA Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Bank of Baroda ETERNA Credit Card?

The credit amount you can spend is what you are provided with BoB 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 spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the 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 a Bank of Baroda 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 the Bank of Baroda; for instance, you can choose the Bank of Baroda ETERNA Credit Card.

• Just hover your cursor on the BoB ETERNA Credit Card, followed by selecting ‘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 submitting 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 BoB ETERNA Credit Card.

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

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

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

• 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 BoB ETERNA Credit Card by post at the same postal address.

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

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

Would getting a Bank of Baroda ETERNA Credit Card in 2025 be right?

Yes, getting aaBank of Baroda ETERNA Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

BoB Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that 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 very good option in 2025.

Conclusion

BoB ETERNA Credit Card can be an excellent choice for those looking to maximize their daily spending with high-end benefits. Bank of Baroda ETERNA Credit Card not only provides you the chance to earn reward points on spending such as shopping, travel, and entertainment, but also provides numerous other exclusive features such as airport lounge access, fuel surcharge waiver, and insurance cover.

The greatest benefit of the BoB ETERNA Credit Card is that it makes your lifestyle more convenient and comfortable. If you want to earn rewards on your spending and need to avail of value-added services, the BoB ETERNA Credit Card is excellent. Except for this, if you make international travels or do shopping online, then the Bank of Baroda ETERNA Credit Card can be more helpful to you.

But before applying for the BoB ETERNA Credit Card, ensure that your credit score and monthly income are eligible for it so that you can take it without any trouble. With proper use, you can earn maximum rewards on your expenditure and easily fulfill your financial requirements.

Frequently Asked Questions (FAQs)