ETERNA Credit card
Rewards & Benefits
Welcome Benefits
Users will get a FREE 6-month FitPass Pro membership worth ₹ 15,000.
Milestone Benefits
Milestone Benefits: Users can 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.
Cashback Rate
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%.
3 reward points on all other spending. Effective cashback rate: 0.75%.
Movie Benefits
Other Benefits: Buy one get one free offer on movie tickets.
Dining Benefits
Other Benefits
Lounge Access
Fees & Charges
Joining Fee
INR 2499
Annual Fee
INR 2499
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
14.00% to 20.00% p.a.
Late Payment Fee
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
Foreign Currency Transactions Fee
Foreign Currency Transaction Fee: 2% of transaction amount
Other Fees
First Year Fee* (levied in the first statement): ₹2499 | Cash withdrawal charger: 2.5% of the withdrawn amount or INR 500, whichever is higher | Cheque Return Charged: 2% of the cheque amount or INR 450, whichever is higher.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)
Cons
High interest rate.
Limited reward points earnings.
Welcome Benefit: Users will get a FREE 6-month FitPass Pro membership worth ₹ 15,000.
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). Effective cashback rate: 3.75%.
Milestone Benefits: Users can 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.
Rewards & Benifits
Welcome Benefits
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Rewards System
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International Forex Markup
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Welcome Benefits and Reward System
Special Features
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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
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
Recommended Credit Cards
Pros:-
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Cons:-
Welcome Benefit: Users will get a FREE 6-month FitPass Pro membership worth ₹ 15,000.
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). Effective cashback rate: 3.75%.
Milestone Benefits: Users can 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 earnings.
The Bank of Baroda Eterna Credit Card is a good option for high spenders who primarily shop online and value unlimited airport lounge access, exclusive movie deals, and decent rewards across categories. The welcome bonus, fuel surcharge waiver, complimentary add-on card, and other benefits offer additional value. However, the hefty annual fee, lower reward rate compared to some competitors, limited redemption options, lower point value, and network limitation might necessitate careful consideration for moderate spenders, those seeking high cashback on specific categories, or individuals prioritizing exclusive experiences or wider network coverage.
The Bank of Baroda Eterna Credit Card is a good option for high spenders who primarily shop online and value unlimited airport lounge access, exclusive movie deals, and decent rewards across categories. The welcome bonus, fuel surcharge waiver, complimentary add-on card, and other benefits offer additional value. However, the hefty annual fee, lower reward rate compared to some competitors, limited redemption options, lower point value, and network limitation might necessitate careful consideration for moderate spenders, those seeking high cashback on specific categories, or individuals prioritizing exclusive experiences or wider network coverage.
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
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Fuel Surcharge
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Billing Cycle
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