Bank of Baroda Eterna Credit Card
Bank of Baroda's Eterna targets everyday online, dining, travel and international spenders with an accelerated earn of 15 reward points per ₹100 — roughly 3.75% back at a ₹0.25-per-point valuation — capped by a shared 5,000 RP monthly ceiling across those four categories; spend outside them earns a flat 3 points per ₹100. BOBCARD has kept the card lifetime-free under a running promotional offer that it periodically renews, separate from the standard ₹12 lakh income requirement needed to qualify in the first place. Without that waiver, the annual fee runs ₹2,499, dropped once ₹2.5 lakh is spent in a card year, and the joining fee comes back as a credit after ₹25,000 of spend inside the first 60 days. Cardholders get unrestricted domestic lounge entry (contingent on ₹75,000 of spend the previous quarter), a competitive 2% currency conversion markup, a 20,000-point bonus at ₹5 lakh of yearly spend, and roughly ₹2,500 worth of points for a new cardholder who spends ₹50,000 within two months. Visa, Mastercard and RuPay variants are all available. One thing to note: a revision that took effect 15 July 2026 pushed the free-lounge spend requirement from ₹40,000 up to ₹75,000 per quarter, dropped the built-in insurance covers, and moved the finance charge to 3.75% monthly. Even with those trims, it remains a strong pick among premium cards for anyone spending consistently online or on travel.
Key features
The essentials worth knowing before applying.
Welcome Benefit
Around ₹2,500 in bonus reward points on activation
3.75% on Dining
15 reward points per ₹100, sharing a combined 5,000-point cycle cap with international, online shopping and travel spends
3.75% on International spends
Same accelerated rate, under the same shared cap
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 3.75% | ₹1,250 |
| International | reward points | 3.75% | ₹1,250 |
| Online Shopping | reward points | 3.75% | ₹1,250 |
| Travel | reward points | 3.75% | ₹1,250 |
| Other | reward points | 0.75% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹2,949 |
| Joining fee (incl. 18% GST) | ₹2,949 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 2% |
| Fuel surcharge waiver | 1%, cap ₹250 |
Perks & benefits
Non-reward value adds up to roughly ₹20,000 a year.
Fuel surcharge waiver ~₹1,500/yr
1% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
️ Lounge access ~₹12,000/yr
Unlimited domestic airport lounge access, unlocked by ₹75,000 of spend in the previous quarter — raised from ₹40,000 on 15 July 2025.
Spend milestone
· ₹5,00,000 a year ₹5,000 of value
Should you get it?
Best for: frequent travellers and higher spenders who route dining, travel, online shopping or international spend through the card.
A premium-tier card, well suited to steady monthly spenders.
Frequent travellers benefit from the included lounge access.
✓ Pros
- Strong accelerated rewards that comfortably offset the annual fee for the right spender
- Premium lifestyle perks including lounge access, concierge and milestone benefits
- Lower forex markup than most cards at this fee level
- ₹2,499 joining fee reverses on ₹25,000 of spend in the first 60 days
✕ Cons
- The annual fee applies in full unless the spend-based waiver is met
- Higher income and eligibility bar than most mid-tier cards
Eligibility & documents
Age
25 –55 years
Min. income
₹1,00,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
Ways to turn points into value.
🎁 Direct statement credit or cashback adjustment
🎁 Online rewards catalogue for vouchers and merchandise
🎁 Flight and hotel bookings through the issuer's rewards portal
What your BOB Reward Points are worth
Realistic per-point value across redemption routes. Statement credit (standard redemption): ₹0.25/pt Gift voucher catalogue (brand & e-gift vouchers): ₹0.25/pt The catch: BOB's rewards portal and partner network are noticeably thinner than what the major private banks offer.
The bottom line
Eterna is quietly one of the stronger premium-card values available: roughly 3.75% back on online shopping, travel, dining and international spend, unlimited domestic lounge access, and a current limited-period fee-waiver offer. The 3-point base rate elsewhere is fairly ordinary, but for anyone spending regularly in its accelerated categories, the card earns its keep comfortably.
Frequently asked questions
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