Bank of Baroda Eterna Credit Card
BOB · VISA★ 3.8/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹2,500 in vouchers, points or cashback on card activation
1.25% on Travel
5X reward points on travel
1.25% on Dining
5X points on dining transactions
Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹2,499/yr fully waived when you spend ₹2,00,000/year
Milestone Bonus
~₹2,500 in bonus rewards on hitting annual spend milestones
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
₹4,000
Estimated annual value
3.5%
Forex markup
1.3%
Travel reward rate
- Domestic airport lounge access (8 visits/yr, worth ~₹4,000)
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹2,500
Milestone bonus value
- Bonus reward points on ₹2L quarterly spend
BOB Eterna earns 15X reward points on travel, dining, and international spends — effective 1.25% at ₹25 per point, competitive for a ₹2,499 fee card. The 2 domestic lounge visits per quarter and 1% fuel surcharge waiver round it out for BOB's premium segment.
Who is this for?
For Bank of Baroda relationship customers who travel domestically 4–6 times a year and dine frequently. A strong mid-premium option within the BOB ecosystem before stepping up to a pure-premium card.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | reward points | 1.25% | — |
| Dining | reward points | 1.25% | — |
| Online Shopping | reward points | 0.75% | — |
| Other | reward points | 0.50% | — |
Travel: 5X reward points on travel
Dining: 5X points on dining transactions
Online Shopping: 3X reward points on online shopping
Other: 2X reward points on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
2 complimentary domestic airport lounge visits per quarter
Bonus reward points on ₹2L quarterly spend
1% fuel surcharge waiver (up to ₹100/month)
Should you get it?
- Best for: Frequent travellers, Higher spenders
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Travel (1.25% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- Strong rewards that can offset the annual fee for the right spender
- Premium lifestyle perks (lounge, concierge, milestone benefits)
- Lower forex markup, friendlier for international spend
Cons
- Annual fee applies unless the spend-based waiver is met
- Higher income / eligibility bar
Eligibility & documents
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 convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your bob reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
The concern
BOB's rewards portal and partner network lag the private banks badly — earning points is easy, extracting full value from them is not.
Bottomline
CardAdvisor Rating: 3.8 / 5Eterna is BOB's best card and a respectable mid-premium pick for existing BOB customers — the 15X categories are genuinely competitive. Outside a BOB relationship, the redemption ecosystem is too shallow to switch banks for.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the Bank of Baroda Eterna Credit Card are taken from BOB's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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