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BOB 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.

Features & Benefits of Eterna Credit Card

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.

Charges Fees of Eterna Credit Card

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.


Late Payment Charges

Less than Rs. 100

No charges

Rs. 100 to Rs. 500

Rs. 100

Rs. 501 to Rs. 1,000

Rs. 400

Rs. 1,000 to Rs. 10,000

Rs. 600

Rs. 10,001 to Rs. 25,000

Rs. 800

Above Rs. 25,000

Rs. 950

Eterna Credit Card Rewards

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.

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 Rs. 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

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.

Top Credit Cards from Partner Banks

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. 

Card Name

Annual Fee


SBI SimplySave Credit Card

Rs. 499

10X bonus reward points on departmental stores, movies, dining, and grocery spends.

Axis My Zone Credit Card

No charges during the first year. Rs. 500 from the second year.

Instant discounts on movies, online shopping, and food deliveries, free access to airport lounges.

Citibank Rewards Credit Card

Rs. 1,000

Reward points for spending on apparel, e-commerce websites, departmental stores.

RBL Platinum Plus Credit Card

Rs. 999

Complimentary access to lounges, offers on movies, and annual rewards worth Rs. 5000+

SBI Prime Credit Card

Rs. 2,999

Prime rewards on utility bill payments, payments at departmental stores, dining, movies, and groceries.


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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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.

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

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

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