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Bank of Baroda offers several credit cards to meet the financial needs of several individuals. Amongst those, the BOB Eterna Credit Card offers plenty of exclusive benefits. Some of the most popular benefits offered by the Eterna Credit Card are insurance cover up to ₹1 Crore, unlimited access to domestic lounges, and many more.

Features & Benefits

Getting this <a href="https://www.bajajfinservmarkets.in/credit-card/bank-of-baroda-credit-card.html" target="_blank">Bank of Baroda <u></u>Credit Card</a> can provide you with several perks. Let’s have a look at some of these :

Fee Waiver

If you spend ₹25,000 in the first 60 days, a joining fee waiver will be offered to you. In addition, to get an annual fee waiver for the next year, you should spend ₹2.5 Lakhs or more in one year.

Welcome Benefit

You can get a FitPass Pro membership as a welcome benefit that is worth ₹15,000.

Lounge Access

An Eterna Credit Card can help you gain unlimited access to domestic lounges all across the country.

Milestone Spend Benefits

You will get 10,000 bonus reward points if you spend ₹50,000 in the first 2 months of procuring the credit card.

Insurance Cover

You will be eligible to avail of a personal accidental air death cover that provides a cover worth ₹1 Crore. You are also eligible for a non-air personal accidental death cover worth ₹10 Lakhs.

Eligibility Criteria to Apply for Eterna Credit Card

In order to apply for the Eterna Credit Card, you have to meet certain eligibility criteria such as the following:

  • Age

You should be a minimum of 18 years of age and a maximum of 70 years of age.

  • Income

Your income should be a minimum of ₹12 Lakhs per annum.

  • Occupation

Both salaried and non-salaried individuals can apply for this credit card.

How to Apply for Bank of Baroda Eterna Credit Card

You cannot apply for the Bank of Baroda Eterna Credit Card on Bajaj Markets. However, you can always head to their official website or mobile application to initiate the application process. Additionally, you may explore other credit card options available on Bajaj Markets. 

Fees & Charges

There are certain fees that are charged for the Eterna Credit Card provided by Bank of Baroda and they are stated as follows:


Fees and Charges

Joining Fees


Annual Fees


Finance Charges

  • Monthly: 3.49%

  • Annual: 41.88%

Cash Withdrawal Charges

₹500 or 2.5% (whichever is higher)

Cheque Return Charges

₹450 or 2% (whichever is higher)

Unblocking Charges


Foreign Currency Transaction Fees


Late Payment Charges

  • Less than ₹100: No charges

  • ₹100 to ₹500: ₹100

  • ₹501 to ₹1,000: ₹400

  • ₹1,001 to ₹10,000: ₹600

  • ₹10,001 to ₹25,000: ₹800

  • ₹25,000 and above: ₹950

Note: The fees and charges mentioned above are subject to change at the credit card issuer’s discretion. Please refer to the MITC for updated values. 


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Frequently Asked Questions

What is an Eterna Credit Card?

The Eterna Credit Card is a credit card offered by Bank of Baroda with exclusive benefits and rewards points. The Eterna Credit Card review has been great due to the plethora of benefits offered by the bank.

What are the benefits of the Eterna Credit Card?

The Bank of Baroda Eterna Credit Card offers are tremendous. Some of the common benefits offered are unlimited access to domestic lounges, insurance up to ₹1 Crore, and many others.  

Is Bank of Baroda Eterna Credit Card free?

You would have to pay a joining fee of Rs. 2,499 to avail of the Eterna Credit Card.

How do I earn and redeem reward points?

  • Earn 4 points for every ₹150 spent on retail, 8X points on spends exceeding ₹20,000.

  • Redeem points for exciting travel vouchers, merchandise, or statement credits.

  • Points validity is evergreen for the Eterna card.

What are the travel benefits of the Eterna card?

  • Complimentary airport lounge access at select domestic and international airports through Priority Pass (applies to higher variants)

  • Additional travel perks may be offered by card partners like EaseMyTrip

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