Elevate your lifestyle with premium rewards and unlimited travel privileges
Up to 3.75% on online, travel & dining
Unlimited domestic airport lounges
Annual fee waived on ₹2,50,000 spends
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| Benefit | Details |
|---|---|
| Accelerated Rewards | Earn 15 Reward Points per ₹100 (3.75% value) on online shopping, travel, dining, movies and international spends. Maximum 5,000 points per statement cycle at accelerated rate |
| Core Rewards | Earn 3 Reward Points per ₹100 (0.75% value) on all other eligible purchases |
| Unlimited Lounge Access | Complimentary access to 60+ domestic airport lounges for primary and add-on cardholders (subject to ₹40,000 quarterly spend from 1st January 2025) |
| Low Forex Markup | Only 2% + GST on international transactions, significantly lower than most credit cards |
| Welcome Benefits | Complimentary 6-month FITPASS Pro membership worth ₹15,000 plus 10,000 bonus reward points on spending ₹50,000 within first 60 days |
| Milestone Bonus | Earn additional 20,000 reward points on annual spends of ₹5,00,000 |
| Movie Benefits | Buy 1 Get 1 offer on movie tickets via District, up to ₹250 per month (₹3,000 annual savings) |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 and ₹5,000 (maximum ₹250 per statement cycle) |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Bank of Baroda (BOBCARD Limited) |
| Bank / Non-bank | Bank-affiliated (100% subsidiary of Bank of Baroda) |
| Category | Premium Lifestyle / Travel Rewards |
| Type of Card | Visa Infinite / Mastercard |
| Free or Paid | ₹2,499 + GST Annually (Lifetime Free offer till 31st December 2025 for eligible applicants) |
The Bank of Baroda ETERNA Credit Card is the ultimate all-rounder for lifestyle enthusiasts who seek premium rewards without the complexity of multiple specialised cards. Designed for frequent travellers, online shoppers, dining connoisseurs and international spenders, this card delivers exceptional value with its flat 3.75% reward rate across diverse spending categories. With unlimited domestic airport lounge access, milestone bonuses and a comparatively affordable annual fee that's easily waivable, ETERNA stands out as one of India's most rewarding premium credit cards for those who want comprehensive lifestyle benefits in a single card.
Premium Lifestyle Rewards: The ETERNA Credit Card offers one of the highest reward rates in India with 15 Reward Points per ₹100 spent (equivalent to 3.75% value) on online shopping, travel bookings, dining, movies and international transactions. This accelerated rate applies to the first 5,000 points earned per statement cycle, after which spends earn the regular 3 Reward Points per ₹100.
Milestone-Driven Bonuses: Boost your rewards with attractive milestone benefits - earn 10,000 bonus points when you spend ₹50,000 within the first 60 days of card activation, and an additional 20,000 points when your annual spends reach ₹5,00,000. These bonuses can push your effective reward rate beyond 4.75% when combined with regular earning.
Travel Privileges: Enjoy unlimited complimentary access to 60+ domestic airport lounges across India for both primary and add-on cardholders. From 1st January 2025, this benefit requires a minimum quarterly spend of ₹40,000. The card also features a reduced forex markup of just 2% + GST on international transactions, making it ideal for overseas travel.
Fitness & Wellness: New cardholders receive a complimentary 6-month FITPASS Pro membership worth ₹15,000, providing access to 6,500+ gyms, fitness studios, swimming pools and wellness centres across India.
Entertainment Benefits: Savour the latest films with your loved ones through a Buy 1 Get 1 offer on movie tickets via District, capped at ₹250 per month. This translates to potential annual savings of up to ₹3,000 on entertainment.
Enhanced Travel Bookings: Earn extra bonus points when booking through BOBCARD SmartDeal - 12 additional Reward Points per ₹100 on flights and 30 extra Reward Points per ₹100 on hotel bookings.
Flexible Redemption: Redeem your accumulated reward points for statement credit at the rate of 1 point = ₹0.25, effectively converting them to cashback. Points can also be redeemed for vouchers, merchandise and travel bookings through the BOBCARD rewards portal.
Comprehensive Insurance: The card includes built-in personal accidental death cover of ₹1 crore for air accidents and ₹10 lakh for non-air accidents, providing peace of mind for you and your family. Zero liability protection on fraudulent transactions is also included when the card loss is reported immediately.
Smart EMI Facility: Convert any purchase above ₹2,500 into easy monthly instalments ranging from 6 to 48 months, making large purchases more manageable.
Lifetime Free Offer: For a limited period until 31st December 2025, eligible applicants with annual income of ₹12 lakh or above can obtain the ETERNA card as lifetime free with no joining or annual fees.
The ETERNA Credit Card combines premium benefits, high reward rates and valuable lifestyle privileges, making it an excellent choice for consumers seeking maximum value from a single credit card without juggling multiple cards for different spending categories.
15 Reward Points per ₹100 on Premium Categories (3.75% Value)
Earn accelerated rewards on your favourite spending categories:
Online shopping (e-commerce platforms, online retail)
Travel bookings (flights, hotels, holiday packages)
Dining (restaurants, cafes, food delivery)
Movies (cinema tickets, streaming platforms)
International spends (overseas transactions in foreign currency)
Important: Maximum 5,000 Reward Points can be earned at the accelerated rate per statement cycle. Once this cap is reached, further spends in these categories will earn points at the regular 3 points per ₹100 rate.
3 Reward Points per ₹100 on Other Eligible Spends (0.75% Value)
Earn regular rewards on all other retail purchases including:
Utility bill payments (electricity, water, gas)
Grocery shopping
Petrol/diesel purchases (no fuel surcharge waiver, but points earned)
Departmental stores
General retail transactions
Enhanced Travel Booking Rewards via BOBCARD SmartDeal
Maximise your travel rewards by booking through BOBCARD SmartDeal:
Extra 12 Reward Points per ₹100 on flight bookings
Extra 30 Reward Points per ₹100 on hotel bookings
These bonus points are in addition to the base 15 points per ₹100 on travel spends
Milestone Bonuses
Fast Start Bonus: Earn 10,000 bonus reward points when you spend ₹50,000 within the first 60 days of card activation. This welcome bonus, combined with the complimentary FITPASS membership, effectively offsets the joining fee.
Annual Milestone: Earn an additional 20,000 bonus reward points when your annual spends reach ₹5,00,000. This milestone significantly boosts your effective reward rate.
Reward Points Validity
Reward points are valid for 24 months from the date they are earned. Ensure you redeem your points before expiry to maximise value.
Statement Credit / Cashback
Redeem your accumulated reward points for statement credit at the rate of 1 Reward Point = ₹0.25. This is the most straightforward redemption option, effectively converting your points to cashback that reduces your outstanding balance. Redemption can be done via the Bank of Baroda mobile app or online banking portal.
Vouchers and Merchandise
Access the BOBCARD rewards catalogue to redeem points for shopping vouchers, gift cards, electronics, home appliances and lifestyle products. Redemption value may vary depending on the product or voucher selected.
Travel Bookings
Use your reward points to book flights, hotels and holiday packages through the BOBCARD travel portal, making your vacations more affordable.
Unlimited Domestic Airport Lounge Access
Enjoy complimentary access to 60+ domestic airport lounges across India for both primary and add-on cardholders. Major airport lounge partners include Plaza Premium Lounge, Travel Food Services, and others.
Important Update: Effective 1st January 2025, unlimited lounge access requires a minimum spend of ₹40,000 in the preceding calendar quarter.
Low Forex Markup on International Spends
Pay only 2% + GST forex markup on all international transactions, significantly lower than the industry standard of 3.5%. Combined with the 15 Reward Points per ₹100 earned on international spends, this makes ETERNA one of the best cards for overseas travel.
Complimentary FITPASS Pro Membership
New cardholders receive a 6-month FITPASS Pro membership worth ₹15,000, providing access to:
6,500+ gyms and fitness studios
Swimming pools and sports facilities
Yoga and wellness centres
Online fitness classes
Personal training sessions
Benefit must be activated within 60 days from card issuance date and is applicable on the primary card only.
Buy 1 Get 1 Movie Tickets
Enjoy a Buy 1 Get 1 offer on movie tickets through District, with a maximum discount of ₹250 per month. This benefit allows you to save up to ₹3,000 annually on entertainment.
Merchant Offers
Take advantage of exclusive offers and instant discounts on popular platforms including Amazon, Flipkart, MakeMyTrip and select retail partners. Offers vary throughout the year during festive seasons and special promotions.
1% Fuel Surcharge Waiver
Save on every fuel purchase with a 1% surcharge waiver on transactions between ₹400 and ₹5,000 at all petrol pumps across India. Maximum waiver is capped at ₹250 per statement cycle.
Note: The GST component is not reversed. No reward points are earned on fuel transactions. The surcharge rate may vary depending on the fuel station and their acquiring bank.
Personal Accidental Death Cover
Comprehensive insurance protection included at no extra cost:
Air Accident Cover: ₹1 crore
Non-Air Accident Cover: ₹10 lakh
The insurance cover is automatically provided to all ETERNA cardholders with no separate activation required.
Zero Liability on Fraudulent Transactions
Report lost or stolen card immediately to ensure zero liability on any fraudulent transactions made after the loss is reported to BOBCARD.
Joining Fee Waiver: Spend ₹25,000 within the first 60 days of card activation to get your joining fee of ₹2,499 + GST waived off. The fee will be levied in the 3rd bill statement from the card issuance month if the spend milestone is not met.
Annual Fee Waiver: Spend ₹2,50,000 in every card anniversary year to get your annual fee waived off. This is one of the most achievable annual fee waiver thresholds among premium credit cards.
Note: GST component is not reversed in fee waivers. Fee waiver and reversal is applicable only to non-delinquent credit cardholders.
Smart EMI Facility: Convert any purchase above ₹2,500 into convenient EMIs ranging from 6 to 48 months at competitive interest rates.
Complimentary Add-On Cards: Get up to 3 lifetime free add-on cards for your spouse, parents, siblings or children (above 18 years). Add-on cardholders enjoy the same benefits including lounge access.
Contactless Payments: Your card is enabled with wireless chip technology for secure and faster payments in contactless mode.
Exclusions for Reward Points
Reward points are not earned on the following transaction types:
Fuel purchases (though fuel surcharge waiver applies)
Rent payments
Education fees
Government-related payments
Insurance premiums
Wallet loads and prepaid card reloads
Charity/donations
Supermarket purchases
Cash advances
EMI transactions
Card fees and charges
Select merchant category codes (MCCs) as specified by BOBCARD
Disclaimer: The card features, benefits, application process and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹2,499 + GST (~₹2,949) | Waived on spending ₹25,000 within first 60 days. Lifetime Free offer available till 31st December 2025 for eligible applicants |
| Annual Fee | ₹2,499 + GST (~₹2,949) | Waived on annual spends of ₹2,50,000 or more. Fee levied in 3rd statement if joining fee waiver criteria not met |
| Add-On Card Fee | Free | Up to 3 lifetime free add-on cards |
| Interest Rate (APR) | 3.40% per month (40.8% annually) | Applicable on outstanding balances if full payment not made by due date |
| Foreign Currency Markup | 2% + GST (~2.36%) | Industry's lowest forex markup on all international transactions |
| Cash Advance Fee | 2.5% of amount withdrawn or ₹500 (whichever is higher) | Charged on cash withdrawals from ATMs |
| Cash Advance Limit | Up to 50% of credit limit | Maximum amount that can be withdrawn as cash |
| Over-limit Fee | 2.5% of over-limit amount (minimum ₹500) | Charged when spending exceeds sanctioned credit limit |
| Late Payment Charges | ₹500 to ₹1,300 | Varies based on outstanding amount. Charged if minimum amount due not paid by due date |
| Cheque/ECS Bounce Charges | 2% of payment amount (minimum ₹450) | Charged when payment instrument is dishonoured or returned |
| Duplicate Physical Statement | ₹100 per statement | Charged for requesting paper statements |
| Balance Transfer Fee | 1% of transfer amount or ₹250 (whichever is higher) | Applicable when transferring balance from another credit card |
| Reward Redemption Fee | Free (online redemption) | No charges for redeeming points via mobile app or net banking |
| Railway Ticket Purchase Fee | 1% of transaction amount + GST | Automatically reversed after transaction completion |
| Criteria | Details |
|---|---|
Age | Primary Cardholder: 21 to 60 years for salaried, 21 to 65 years for self-employed. Add-on Cardholder: Above 18 years |
Citizenship | Must be a Resident Indian |
Income | Minimum Net Annual Income of ₹12,00,000 per annum (salaried or self-employed) |
Employment | Salaried or self-employed individuals with stable income |
Credit Score | Good CIBIL score (ideally 750 or above) recommended for higher approval chances |
Existing Relationship | Not mandatory, but existing Bank of Baroda customers may have easier approval process |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card (Mandatory), Passport, Driving Licence, Voter ID Card issued by Election Commission of India |
| Address Proof | Any one of the following: Aadhaar Card (both sides), Passport, Driving Licence, Voter ID Card issued by Election Commission of India, Recent utility bill (electricity, water, gas), Bank statement |
| Income Proof (Salaried) | Bank statement reflecting salary credit for last 2 months, Latest salary slips (if submitted, must be accompanied with bank statement), Form 16 or IT returns |
| Income Proof (Self-Employed) | Bank statement for last 6 months, ITR (Income Tax Return) for last 2 years, Profit & Loss statement and Balance Sheet, Business proof documents |
| PAN Card | Mandatory for all credit card applications |
| Photograph | Recent passport-size photograph with clear/white background (without dark or tinted glasses) |
Step 1: Click on Apply Now: Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery: Once your application is approved after verification, your Bank of Baroda ETERNA Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Prioritise Premium Categories | Use your ETERNA card primarily for online shopping, travel, dining and international spends to earn 15 Reward Points per ₹100 (3.75% value) |
Monitor Monthly Cap | Track your accelerated rewards earnings to stay within the 5,000 points per statement cycle cap. Once the cap is reached, switch to another card for accelerated categories if you have one |
Book Travel Through SmartDeal | Always book flights and hotels through BOBCARD SmartDeal to earn extra bonus points (12 points for flights, 30 points for hotels per ₹100) |
Meet Milestone Targets | Strategically time large purchases to meet the ₹50,000 milestone in first 60 days and ₹5,00,000 annual milestone for bonus rewards |
Maintain Quarterly Spend for Lounges | Ensure you spend at least ₹40,000 every calendar quarter (effective January 2025) to maintain unlimited lounge access eligibility |
Activate FITPASS Membership Early | Claim your complimentary 6-month FITPASS Pro membership within 60 days of card issuance to avoid missing this ₹15,000 benefit |
Utilise Monthly Movie Benefit | Book movie tickets through District every month to maximise your ₹250 monthly BOGO benefit (₹3,000 annual value) |
Redeem Points Regularly | Redeem your accumulated reward points before they expire (24-month validity). Convert them to statement credit at 1 point = ₹0.25 |
Optimise Fuel Purchases | For fuel transactions, ensure the amount is between ₹400 and ₹5,000 to avail the 1% surcharge waiver (maximum ₹250 per cycle) |
Track Annual Fee Waiver | Maintain a running total of your annual spends to ensure you cross ₹2,50,000 before your card anniversary to get the annual fee waived |
Use Add-On Cards Wisely | Issue up to 3 free add-on cards to family members to help reach spending milestones faster whilst sharing benefits like lounge access |
Set Up Payment Reminders | Always pay your full statement balance by the due date to avoid interest charges of 3.40% per month (40.8% annually) |
Enable Transaction Alerts | Activate SMS and email alerts for all transactions to monitor spending and detect any fraudulent activity immediately |
Avoid Excluded Categories | Don't use the card for rent, insurance, wallet loads, supermarket purchases or other excluded categories as these won't earn reward points |
The Bank of Baroda (BOBCARD) ETERNA Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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