{"id":86829,"date":"2026-07-23T13:26:43","date_gmt":"2026-07-23T07:56:43","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=86829"},"modified":"2026-07-23T13:27:17","modified_gmt":"2026-07-23T07:57:17","slug":"bank-of-baroda-eterna-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/bank-of-baroda-eterna-credit-card\/","title":{"rendered":"Upgrade Your Lifestyle with Bank of Baroda ETERNA Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 15 points per \u20b9100 on dining expenses.<\/li>\n\n\n\n<li>Annual fee waived off on spending \u20b92,50,000.<\/li>\n\n\n\n<li>Get unlimited domestic lounge access.<\/li>\n\n\n\n<li>The welcome bonus includes 10,000 points after spending \u20b950,000.<\/li>\n\n\n\n<li>Enjoy a FITPASS membership worth \u20b915,000 for 6 months.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The Bank of Baroda Eterna Credit Card suits people who want strong rewards with premium lifestyle perks. With a joining and annual fee of \u20b92,499, the card offers value across travel, dining, shopping, and international spending.<\/p>\n\n\n\n<p>You earn reward points that convert into cashback at \u20b90.25 per point. Designed for active professionals, this card combines travel privileges, lifestyle benefits, and steady reward earnings in one convenient package.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#eterna-bob-credit-card-benefits\">ETERNA BOB Credit Card Benefits<\/a><\/li><li><a href=\"#other-features-of-bank-of-baroda-eterna-credit-card\">Other Features of Bank of Baroda ETERNA Credit Card<\/a><\/li><li><a href=\"#bobcard-smart-emi-plans\">BOBCARD Smart EMI Plans<\/a><\/li><li><a href=\"#bank-of-baroda-eterna-credit-card-charges\">Bank of Baroda ETERNA Credit Card Charges<\/a><\/li><li><a href=\"#eligibility-criteria-of-the-bank-of-baroda-eterna-credit-card\">Eligibility Criteria of the Bank of Baroda ETERNA Credit Card<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"eterna-bob-credit-card-benefits\"><strong>ETERNA BOB Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/BoB-eterna-Benefits-1024x768.png\" alt=\"Bank of Baroda Eterna Credit Card benefits\" class=\"wp-image-86831\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/BoB-eterna-Benefits-1024x768.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/BoB-eterna-Benefits-300x225.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/BoB-eterna-Benefits-150x113.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/BoB-eterna-Benefits-768x576.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/BoB-eterna-Benefits.png 1448w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>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 \u20b9100 spent on dining.<\/p>\n\n\n\n<p>Apart from this, here are the other benefits of this credit card:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Travel Privileges<\/strong><\/li>\n<\/ol>\n\n\n\n<p>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.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Fitness and Lifestyle<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Receive a complimentary 6-month FITPASS Pro membership worth \u20b915,000 as a welcome gift to help you maintain a healthy lifestyle.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Entertainment and Shopping<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Get Buy 1 Get 1 offers on movie tickets through District, with savings up to \u20b9250 each month. Also, earn 5X reward points on online shopping.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Milestone Benefits<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Earn 10,000 bonus reward points after spending \u20b950,000 within the first 60 days. You can also receive 20,000 bonus points when annual spending reaches \u20b95,00,000.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"other-features-of-bank-of-baroda-eterna-credit-card\"><strong>Other Features of Bank of Baroda ETERNA Credit Card<\/strong><\/h2>\n\n\n\n<p>Along with accelerated rewards, the card also offers steady value on everyday spending. You earn 3 reward points for every \u20b9100 spent on other eligible purchases. There are also several other practical features.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Fee Waivers<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The joining fee is waived when you spend \u20b925,000 within the first 60 days. The annual fee is waived when yearly spending reaches \u20b92,50,000.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Fuel Savings<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Receive a 1% fuel surcharge waiver on transactions between \u20b9400 and \u20b95,000 across India. The maximum waiver allowed is \u20b9250 per statement cycle.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Convenience Features<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Convert purchases above \u20b92,500 into smart EMI plans with flexible repayment periods ranging from 6 to 48 months.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Insurance Protection<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The card includes personal accidental death insurance for added financial protection. Complimentary cover provides \u20b91 crore for air travel and \u20b910 lakh for non-air incidents.<\/p>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Secure Card Usage<\/strong><\/li>\n<\/ol>\n\n\n\n<p>You get zero liability protection on lost cards when reported promptly. The card also supports <a href=\"https:\/\/media.bobcard.co.in\/media\/udeforim\/bobcard-contactless-leaflet-565x8_90-gsm-sp_12dec23_25-lac.pdf\" target=\"_blank\" rel=\"noopener\">secure contactless payments<\/a> for fast and safe transactions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bobcard-smart-emi-plans\"><strong>BOBCARD Smart EMI Plans<\/strong><\/h2>\n\n\n\n<p>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:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Post-Purchase EMI<\/strong><\/li>\n<\/ol>\n\n\n\n<p>You can convert retail transactions above \u20b92,500 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.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Instant EMI<\/strong><\/li>\n<\/ol>\n\n\n\n<p>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.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>No Extra Cost EMI<\/strong><\/li>\n<\/ol>\n\n\n\n<p>No \u2018Extra Cost EMI\u2019 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.<\/p>\n\n\n\n<p>While smart EMI makes big purchases easier to manage, keeping track of payments matters just as much. The <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a> follows strong security and compliance standards, helping you monitor spending and manage repayments safely with confidence.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bank-of-baroda-eterna-credit-card-charges\"><strong>Bank of Baroda ETERNA Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>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 \u20b9600.<\/p>\n\n\n\n<p>Review the table below for <a href=\"https:\/\/www.bobcard.co.in\/most-important-terms-and-condition\/bobcard-mitc\" target=\"_blank\" rel=\"noopener\">other applicable charges<\/a>:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>3.25% monthly or 39% annually<\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9100<\/td><\/tr><tr><td>Cheque Dishonour Charges<\/td><td>2% or min. \u20b9500<\/td><\/tr><tr><td>Cash Withdrawal Charges<\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td>Foreign Currency Transaction<\/td><td>2%<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Less than 100 is NIL. For amounts ranging from \u20b9100 to \u20b950,000 and above, it ranges between \u20b9100 and \u20b91300.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"eligibility-criteria-of-the-bank-of-baroda-eterna-credit-card\"><strong>Eligibility Criteria of the Bank of Baroda ETERNA Credit Card<\/strong><\/h2>\n\n\n\n<p>To apply for the Bank of Baroda ETERNA Credit Card, you must be an Indian resident with a net annual income above \u20b912 lakh.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Meeting eligibility is only the first step toward better card management. Use <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice app<\/a> for credit card bill payment, set reminders, pay dues easily, and track every transaction without missing important due dates.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>With the Bank of Baroda ETERNA Credit Card, you can get up to 3 lifetime free add-on cards for family members.<\/li>\n\n\n\n<li>5X reward earnings are limited to 5,000 points per statement cycle on eligible spending categories.<\/li>\n\n\n\n<li>First-year fee appears in the third billing statement if required spending milestones remain unmet.<\/li>\n\n\n\n<li>The FITPASS Pro membership expires 60 days after issuance and applies only to the primary cardholder.<\/li>\n\n\n\n<li>The BOB ETERNA Credit Card lifetime free offer remains valid for eligible applicants until 31 March 2026.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1784792953781\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How does the movie ticket BOGO offer work?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can book Buy 1 Get 1 movie tickets once each month. Reserve at least two tickets on the District app and use promo code BOBMOVIES.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1784792971139\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What rules apply for lounge access usage?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Access requires a \u20b92 validation swipe at the lounge counter. You cannot re-enter the same lounge within 5 hours after one visit.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1784792984922\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Is lounge access subject to spending requirements?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Complimentary lounge visits require spending \u20b940,000 on your Bank of Baroda ETERNA Credit Card in the previous calendar quarter.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1784792999022\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What does the FITPASS gym membership offer?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>FITPASS membership provides entry to more than 2,500 premium gyms and studios. Activate your membership through the official app to begin fitness sessions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1784793013971\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the BOB ETERNA Credit Card application process?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can apply online through the BOBCARD website by completing the form, Aadhaar e-sign, and Video KYC. You may also contact support or visit a Bank of Baroda branch.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1784793030974\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the contactless payment transaction limit?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Contactless payments allow transactions up to \u20b95,000 without entering a PIN. This fixed limit applies to all users and cannot be customised individually.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1784793049886\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can contactless payments happen without your knowledge?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Accidental payments are unlikely during normal movement near readers. The card must stay within four centimetres for half a second after the amount entry.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The Bank of Baroda Eterna Credit Card suits people who want strong rewards with premium lifestyle perks. With a joining and annual fee of \u20b92,499, the card offers value across travel, dining, shopping, and international spending. You earn reward points that convert into cashback at \u20b90.25 per point. Designed for active professionals, this [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":86830,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-86829","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86829","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=86829"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86829\/revisions"}],"predecessor-version":[{"id":86833,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86829\/revisions\/86833"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/86830"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=86829"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=86829"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=86829"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}