Bank of Baroda Eterna Credit Card

Bank of Baroda offers several credit cards to meet the financial needs of several individuals. The Eterna Credit Card offered by Bank of Baroda offers plenty of exclusive benefits. Many existing customers opt for the Eterna Credit Card for this reason. In addition to existing customers, new customers create a new account with Bank of Baroda to avail of the credit card due to its exclusive benefits. Some of the most popular exclusive benefits offered by the Eterna Credit Card are insurance cover up to Rs. 1 Crore, unlimited access to domestic lounges, and many more.

Availing of the Eterna Bank of Baroda Credit Card can provide you with several benefits. Let us have a look at some of the benefits.

1. Fee Waiver

If you spend Rs. 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 Rs. 2,5 Lakhs or more in one year.

2. Welcome Benefit

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

3. Lounge Access

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

4. Milestone Spend Benefits

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

5. Insurance Cover

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

There are certain charges and fees that are charged for the Eterna Credit Card provided by Bank of Baroda. Let us have a look at them.

• Joining Fees

A joining fee of Rs. 2,499 will be charged while opting for the Eterna Credit Card.

• Finance Charges

A monthly finance charge of 3.49% will be charged. On a yearly basis, the finance charge would amount to 41.88%.

• Annual Fees

Rs. 2,499 will be charged as an annual fee.

• Cash Withdrawal Charges

Upon withdrawal of a minimum amount of Rs. 500, a cash withdrawal charge of 2.5% would be charged.

• Cheque Return Charges

For a returned cheque, either a minimum of Rs. 450 or 2% of the cheque amount will be charged.

• Unblocking Charges

While unblocking Bank of Baroda Eterna Credit Card, an unblocking fee of Rs. 300 will be charged.

• Foreign Currency Transaction Fees

For every transaction of foreign currency, 2% of the transactional amount will be charged as the foreign currency transaction fees.

• Late Payment Charges

Depending on the repayment amount, the fees charged for late payment would vary. Here is a list of charges for late payment depending on the amount.

BOB Eterna Credit Card offers plenty of rewards depending on your spending and use of the card. Here are some reward point benefits offered based on your spending habits.

• For Rs. 100 that you spend, you will be offered 4 reward points.

• For every Rs. 100 that you spend on travel, dining, international transactions, and online shopping, you will gain 15 reward points.

 

You also have the option to purchase reward points for your Eterna Credit Card. With Rs. 1, you can purchase 4 reward points.

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 Rs. 12 Lakhs per annum.

• Occupation

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

Applying for the BOB Eterna Credit Card is not possible on the Bajaj Markets website. In order to apply for the card, you would have to either visit a branch of the bank or apply through their website.

1. Apply on Their Website

• Step 1: Navigate to the BOB Eterna Credit Card website.

• Step 2: Ensure to check the eligibility criteria and then fill in your details such as your name, contact information, email ID, etc.

• Step 3: Submit the required documents and complete the payment to submit your application.

2. Apply Through the Branch

To apply for the Eterna Credit Card, you can also visit a branch of Bank of Baroda nearby to get started with your application process. Further, ensure you submit all the required documents to expedite the approval process.

Different partner banks offer credit cards with varying annual fees and rewards. Let us have a look at some of the top credit cards offered by partner banks.