Synopsis: In this article, we explore the BOBCARD Eterna Credit Card, focusing on its key features and exclusive lounge privileges designed for travelers seeking comfort and convenience in India and abroad.
The Bank of Baroda Eterna credit card is an all-rounder credit card offering decent value-backs on multiple categories. The card is known for its premium accelerated travel benefits and reward points based on the conditions of spending. This card also helps you save Rs 250 every month on movie tickets and comes with a low and easily achievable annual fee waiver.
This sets it apart from many other credit cards in the market which are either co-branded or offer extra earnings only on select spending categories.
BOBCARD Eterna Credit Card
Fees and charges
- Joining fees: Rs 2,499 + GST
- Annual fees: Rs 2,499 + GST (has a lifetime free offer till 31st March 2026)
- Annual fee waiver: annual fee waived off on spending Rs 2,50,000 in the anniversary year. Joining fee waived off if Rs 25,000 spent during the first 60 days of card activation.
- Forex mark-up fee: 2%
- Interest rate: 3.25% per month; 39% per annum.
- Late payment fee: ranges from Rs 100 to Rs 1,300 (depending on outstanding balance).
Benefits and features
- Welcome benefit: complimentary 6- months FITPASS membership worth Rs 15,000.
- Travel benefit: unlimited domestic lounge access on spending Rs 40,000 in the previous quarter.
- Insurance coverage of personal accidental death in air up to Rs 1 crore.
- Movie benefit: Buy One Get One Free movie tickets worth Rs 250 via District app per month.
Reward structure
- Earn 5X rewards i.e. is 15 reward points per Rs 100 spent on dining, travel or international spends and online shopping spends.
- 3 reward points per Rs 100 spent on other categories.
- Extra 15 reward points earned per Rs 100 spent on flights
- Reward redemption: 1 reward point = Rs 0.25 as redeemable cashback.
Milestone bonus
- 10,000 reward points on spending Rs 50,000 in the first 60 days.
- 20,000 reward points on spending Rs 5 lakhs in a year.
Also Read: IndusInd Platinum Aura Edge Credit Card: Shopping Rewards, Points and Detailed Overview (2026)
Pros and Cons of the card
Pros:
- Unlimited domestic airport lounge access.
- Up to Rs 3,000 on movie savings every year.
- Annual fee waiver and joining fee waiver.
- 5X rewards, means 3.75% cashback on dining, online shopping and travelling.
Cons:
- No international lounge access.
- Low redemption value
Who should get this card?
- A frequent traveller seeking for comfort and convenience with a high value back on spends, along with unlimited complimentary domestic lounge access.
- A person who enjoys watching movies in theatres while saving on money.
- You are looking for savings by spending on dining and online purchases.
FAQs
You can easily apply for the credit card online by visiting the Bank of Baroda app or website and fill in the application form and submit the required documents.
The credit card stands out for its excellent benefits including accelerated reward points and complimentary domestic lounge access.it is a preferred choice for those who appreciate premium benefits.
Written by Atin Kevin
