Bank of Baroda
Signature · Eterna
Bank of Baroda Eterna Credit Card
Bank of Baroda
Accelerated rewards on dining, travel, and international spends
Annual Fee
₹2,499
Joining Fee
₹2,499
Reward Rate
0.3%
Forex Markup
2.5%
Value Analysis
Annual Net Value
₹19,051
Total Annual Benefits
₹22,000
Total Annual Charges
₹2,949
ROI
746%
Fee Waiver Available
Annual fee waived on spending ₹2 Lakh in the preceding year — ₹2,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Dining Benefits (1)
5X RP on Dining
Earn 5X reward points on all dining spends including restaurants and food delivery
- • Restaurants, cafes, and food delivery platforms
5X RP
Travel Benefits (2)
5X RP on Travel
Earn 5X reward points on all travel spends including flights, hotels, and travel bookings
- • Flights, hotels, car rentals, and travel agencies
5X RP
5X RP on International Spends
Earn 5X reward points on all international transactions
- • All international and foreign currency transactions
5X RP
Reward Points (1)
1X RP on All Other Spends
Earn 1 reward point per ₹100 on all other retail spends
- • Excludes cash advances and quasi-cash
1 RP per ₹100
Airport Lounge Access (1)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year
- • Swipe card at participating airport lounges
8 visits/year
₹20,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
BOB Reward Points
5X on dining, travel, international; 1 RP per ₹100 on others
Effective cashback: 0.25%
Points expire: 2 years from date of accrual
Redemption Options
- → Flights and hotels via BOB rewards portal
- → Gift cards and vouchers
- → Merchandise from rewards catalogue
- → Statement credit
Bonus Categories
Dining
5x multiplier
5X reward points on dining spends
Travel
5x multiplier
5X reward points on travel spends
International
5x multiplier
5X reward points on international spends
Others
1x multiplier
1 reward point per ₹100 on other spends
Milestone Bonuses
5,000 bonus reward points on spending ₹2 Lakh annually
Spend ₹2,00,000 annually
5,000 Reward Points
Additional 5,000 bonus reward points on spending ₹4 Lakh annually
Spend ₹4,00,000 annually
5,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹2,499 Excluding GST |
| Annual Fee | ₹2,499 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2.5%
- Interest Rate (Monthly)
- 3.4%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹20
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 2.5% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹50,000
- Min. Annual Income
- ₹5,00,000
- Min. Credit Score
- 700
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹50,000
- • Self-Employed: ITR > ₹5 Lakh p.a.
- • Age 21–60 (salaried), 21–65 (self-employed)
Insurance Coverage
Accidental Death
₹1.0 Cr
Permanent Disability
₹1.0 Cr
Travel Insurance
₹15.0 L
Lost Card Liability
₹5.0 L
Report within 24h
Air Accident Cover
₹1.0 Cr
Purchase Protection
₹1.0 L
90 days
- • Air accident cover: ₹1 Crore
- • Travel insurance: ₹15 Lakh
- • Lost card liability: ₹5 Lakh
Airport Lounge Access
Domestic
8 visits/year
8 per year
~₹2,500/visit
International
0 visits/year
Not included
Visa Lounge Access Dreamfolks
- • 8 complimentary domestic airport lounge visits per year
- • Swipe card at participating lounges
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Government bank — wide branch network Dining and travel accelerated rewards Visa Signature benefits
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The Bank of Baroda Eterna Credit Card is a premium lifestyle card offering 5X reward points on dining, travel, and international transactions, along w...
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