Bank of Baroda Eterna Credit Card Review

By | February 20, 2021

Bank of Baroda launched a card under BOB Financial Solution Limited, recently launched a new premium card named Eterna. It is one of a kind due to its high reward rate on accelerated categories like: online spends among others.

bank of Baroda

Joining Fees

Joining FeeINR 2499+GST
Joining Fee WaiverSpend INR 25,000 in 60 days
Welcome Benefit6 Months FitPass Pro
Renewal FeeINR 2499+GST
Renewal Fee WaiverSpend INR 2.5L in 1 yr
EligibilityRs.12L Income p.a.

Bank of Baroda Eterna Rewards

Spend TypeReward RateMonthly Cap
Online / Travel / Dining / International3.75%5000
Regular spends0.75%Nil
Reward Point value25P/point

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Milestone Rewards

  • 10,000 RP’s on spending Rs.50,000 within 60 days
  • 20,000 RP’s on spending Rs.5,00,000 in a year
  • Return on spend: 1.5% 

This means that you will get 1.5% on milestone on spending Rs.5L. These rewards can be easy converted to cash credit on statement.

Maximising Eterna

The best way to maximize the benefit is by spending Rs.41,667 a month (Rs.5L a year, online only). By doing this you can grab all of the following:

  1. Reward Points: 95,000 points (75K+20K) equivalent to Rs.23,750 cashback
  2. First year free
  3. Renewal fee waiver

Overall, you can get a maximum of net 4.75% reward rate on 5L spend, which is very generous to see from Bank of Baroda.

Airport Lounge Access

  • Domestic: Unlimited
  • International: Nil

This is one of the finest thing provided by the Bank Of Baroda credit card. Very less cards provide unlimited lounge access. So this is a plus point for this card holder. But the drawback lies that it does not provide international lounge access.

Bank of Baroda

Other Benefits

  1. Paytm Buy1 Get1 Movie benefit: Max Cap: Rs.250, once per month
  2. FitPass Pro: 6 months complimentary membership
  3. Forex markup Fee: 2%+GST

Bottom Line

There are many private sectors banks which has provided variety of credit cards in market with tremendous service. But this is the first such card provided by a public sector bank with such good service. It is undoubtedly a finest premium card provided by the Bank of Baroda. You can definitely apply for this without giving any second thought.

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Bank of Baroda


What is the Service charges applied on Bobcards?

The service charges here is the interest applied on the outstanding balance. The service charge varies from the type of Bank of Baroda credit card chosen as per details below
Easy/Select/Premier/Prime :3.25% per month(39% APR)
Corporate Cards: 2.60% per month(31.20% APR)

What is a Credit Limit?

Credit limit is the maximum amount you could spend / borrow using your credit card. This limit is determined by various personal details like your income, source of income etc. The credit limit is normally revised upwards or downwards based on your previous year’s track record in terms of spending and repayment.

Does the add-on card have separate credit limit ?

No, the add-on card member shares the same credit limit as assigned to the primary card member.

How can I check my bob credit card limit?

If a customer is not comfortable with net banking or mobile banking they can still enquire about their credit card balance and available credit limit using Bank of Baroda credit card balance check number 1800 425 4059.

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