Upgrade Your Lifestyle with Bank of Baroda ETERNA Credit Card

The Bank of Baroda Eterna Credit Card suits people who want strong rewards with premium lifestyle perks. With a joining and annual fee of ₹2,499, the card offers value across travel, dining, shopping, and international spending.

You earn reward points that convert into cashback at ₹0.25 per point. Designed for active professionals, this card combines travel privileges, lifestyle benefits, and steady reward earnings in one convenient package.

ETERNA BOB Credit Card Benefits

The Bank of Baroda Eterna Credit Card helps you collect rewards quickly on restaurant expenses. You earn 5X reward points, equal to 15 points per ₹100 spent on dining.

Apart from this, here are the other benefits of this credit card:

1. Travel Privileges

Enjoy unlimited complimentary domestic airport lounge access. Save on overseas spending with a reduced 2% markup on forex. You also earn 5X reward points on travel and international transactions.

2. Fitness and Lifestyle

Receive a complimentary 6-month FITPASS Pro membership worth ₹15,000 as a welcome gift to help you maintain a healthy lifestyle.

3. Entertainment and Shopping

Get Buy 1 Get 1 offers on movie tickets through District, with savings up to ₹250 each month. Also, earn 5X reward points on online shopping.

4. Milestone Benefits

Earn 10,000 bonus reward points after spending ₹50,000 within the first 60 days. You can also receive 20,000 bonus points when annual spending reaches ₹5,00,000.

Other Features of Bank of Baroda ETERNA Credit Card

Along with accelerated rewards, the card also offers steady value on everyday spending. You earn 3 reward points for every ₹100 spent on other eligible purchases. There are also several other practical features.

1. Fee Waivers

The joining fee is waived when you spend ₹25,000 within the first 60 days. The annual fee is waived when yearly spending reaches ₹2,50,000.

2. Fuel Savings

Receive a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across India. The maximum waiver allowed is ₹250 per statement cycle.

3. Convenience Features

Convert purchases above ₹2,500 into smart EMI plans with flexible repayment periods ranging from 6 to 48 months.

4. Insurance Protection

The card includes personal accidental death insurance for added financial protection. Complimentary cover provides ₹1 crore for air travel and ₹10 lakh for non-air incidents.

5. Secure Card Usage

You get zero liability protection on lost cards when reported promptly. The card also supports secure contactless payments for fast and safe transactions.

BOBCARD Smart EMI Plans

BOBCARD lets you convert large purchases into smaller monthly payments through flexible Smart EMI options. You can choose from the following plans that suit your purchase and repayment needs:

1. Post-Purchase EMI

You can convert retail transactions above ₹2,500 into EMIs after making the purchase. Log in to the BOBCARD portal or mobile app, select the transaction, choose a tenure between 6 and 48 months, and submit the request. A processing fee of about 2% applies.

2. Instant EMI

Instant EMI allows you to split payments directly at partner merchant outlets at the time of purchase. Simply ask the merchant for EMI options, select a tenure between 2 and 36 months, and complete the transaction.

3. No Extra Cost EMI

No ‘Extra Cost EMI’ offers reduced or zero interest through upfront discounts or cashback during promotions or launches. Select an eligible product and tenure, the merchant processes EMI, and the discount or cashback is later reflected in your card account.

While smart EMI makes big purchases easier to manage, keeping track of payments matters just as much. The Pice app follows strong security and compliance standards, helping you monitor spending and manage repayments safely with confidence.

Bank of Baroda ETERNA Credit Card Charges

The BOB ETERNA credit card limit depends on your eligibility and financial profile. Exceeding the approved limit may attract a 2.5% overlimit fee with a minimum charge of ₹600.

Review the table below for other applicable charges:

Parameters	Charges
Finance Charges	3.25% monthly or 39% annually
Card Replacement Charges	₹100
Cheque Dishonour Charges	2% or min. ₹500
Cash Withdrawal Charges	2.5% or ₹500 (whichever is higher)
Foreign Currency Transaction	2%
Late Payment Charges	Less than 100 is NIL. For amounts ranging from ₹100 to ₹50,000 and above, it ranges between ₹100 and ₹1300.

Eligibility Criteria of the Bank of Baroda ETERNA Credit Card

To apply for the Bank of Baroda ETERNA Credit Card, you must be an Indian resident with a net annual income above ₹12 lakh.

Salaried applicants should be between 21 and 60 years of age, while self-employed applicants should fall between 24 and 65 years. Add-on cardholders must be at least 18 years old.

Meeting eligibility is only the first step toward better card management. Use the Pice app for credit card bill payment, set reminders, pay dues easily, and track every transaction without missing important due dates.

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