ETERNA Credit card
MyRupaya Ratings
Product Details
Credit Card Name :
ETERNA Credit card
Bank Name :
Bank of Baroda
Type :
Lifestyle Credit Card
Interest Rate :
14.00% to 20.00% p.a.
Eligibility :
1. Age Criteria: Primary cardholder: between the age of 21 years and 65 years
Add-on cardholder: over 18 years
2. Salaried or Self-Employed with an income of ₹ 12 Lakhs per annum or more
3. Resident of India
![ETERNA Credit card](https://static.wixstatic.com/media/2a565f_ae50c76fdd554a4995d68452135434d1~mv2.webp/v1/fill/w_980,h_653,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/bob-eterna-credit-card-review-1024x682.webp)
Pros
Welcome Benefit: FREE 6 months FitPass Pro membership worth ₹ 15,000 as a Welcome Gift.
Reward System: Customers can earn 15 Reward points for every INR 100 spent on travel, international transactions, dining, and online shopping. (1 RP= 0.25)
Milestone Benefits: Earn 10,000 bonus reward points on spending ₹ 50,000 within the first 60 days & 20,000 bonus reward points on spending ₹ 5,00,000 in a year.
Other Benefits: Buy one get one free offer on movie tickets.
Cons
High-Interest Rate
Limited Reward Points Earning
Pros & Cons
Welcome Benefits
FREE 6 months FitPass Pro membership worth ₹ 15,000 as Welcome Gift.
Rewards System
Customers can earn 15 Reward points for every INR 100 spent on travel, international transactions, dining, and online shopping. (1 RP= 0.25)
Effective Cashback Rate: 3.75%
International Forex Markup
IFM- Upto 2%
Welcome Benefits and Reward System
Special Features
Free 6 months Fitness Pro Membership.
Eligibility Criteria
1. Age Criteria: Primary cardholder: between the age of 21 years and 65 years
Add-on cardholder: over 18 years
2. Salaried or Self-Employed with an income of ₹ 12 Lakhs per annum or more
3. Resident of India
Benefits
Reward Points and a high cashback rate
Complimentary FitPass Pro Membership
Paytm Movie Benefit
Airport Lounge Access
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Choose your variant: Eterna offers different variants with varying annual fees and reward rates. Compare and choose the one that suits your spending habits.
Check eligibility: Use the online eligibility checker on the BoB Financial website or contact their customer care.
Apply online: Visit the BoB Financial website and fill out the online application form. Be sure to have all the required documents ready.
Documents:Proof of identity (PAN card, Aadhaar card, etc.)
Proof of address (Aadhaar card, voter ID, etc.)
Proof of income (salary slips, ITR returns, etc.)
Bank statement (optional)Document verification: BoB Financial will verify your documents and credit score.
Card approval: You will receive notification about your application status within 7-10 business days.
Card delivery: Upon approval, your card will be delivered to your registered address within 7-10 business days.
Contact Details
Toll free no.: 1800 103 1002
Email: eterna@bobfinancial.com
Account Opening and Procedure
![](https://static.wixstatic.com/media/55d98a_3287270d83ef4efabfdd1f52d0dc6ec2~mv2.jpg/v1/fill/w_980,h_653,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/wolfgang-hasselmann-1ICIhK-ElJs-unsplash-edited.jpg)
![](https://static.wixstatic.com/media/55d98a_3287270d83ef4efabfdd1f52d0dc6ec2~mv2.jpg/v1/fill/w_980,h_653,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/wolfgang-hasselmann-1ICIhK-ElJs-unsplash-edited.jpg)
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefit: FREE 6 months FitPass Pro membership worth ₹ 15,000 as a Welcome Gift.
Reward System: Customers can earn 15 Reward points for every INR 100 spent on travel, international transactions, dining, and online shopping. (1 RP= 0.25)
Milestone Benefits: Earn 10,000 bonus reward points on spending ₹ 50,000 within the first 60 days & 20,000 bonus reward points on spending ₹ 5,00,000 in a year.
Other Benefits: Buy one get one free offer on movie tickets.
High-Interest Rate
Limited Reward Points Earning
HDFC Bank Biz Power Credit Card
The card is a premium credit card with a number of value add features. This card offers cashback on even tax and GST payment. Overall it is a must have card for small business owners/ freelancers.
![Abhijeet Saxena](https://static.wixstatic.com/media/97db43_546bd3496385449bb5577554fbe3a8d0~mv2.png/v1/fill/w_980,h_980,al_c,q_90,usm_0.66_1.00_0.01,enc_auto/Abhijeet%20Saxena.png)
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
First Year Fee* (levied in the first statement): ₹2499
Annual Fee**: ₹2499 *Get joining fee waiver on spending ₹ 25,000 within first 60 days of card setup date.
Cash withdrawal charger: 2.5% of the withdrawn amount or INR 500, whichever is higher
Cheque Return Charged: 2% of the cheque amount or INR 450, whichever is higher. GST: 18% (applicable on all fees, interest & other chargers)
Foreign Currency Transaction Fee: 2% of transaction amount
Late Payment Charges: Statement Balance : Charges Less than INR 100 : NIL INR 100- 500 : INR 100 INR 501- 1000 : INR 400 INR 1001- 10000 : INR 600 INR 10001 - 25000 : INR 800 More than INR 25000 : INR 950
Fuel Surcharge
Billing Cycle
30 Days