ETERNA Credit card
उत्पाद विवरण
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
दोष
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.
पक्ष विपक्ष
Welcome Benefits
Users will get a FREE 6-month FitPass Pro membership worth ₹ 15,000.
पुरस्कार प्रणाली
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%
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
IFM- Upto 2%
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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
फ़ायदे
Reward points and a high cashback rate.
Complimentary FitPass Pro membership.
Paytm movie benefit.
Airport lounge access.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
Toll free no.: 1800 103 1002
Email: eterna@bobfinancial.com
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
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.
ETERNA Credit card
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
उत्पाद समीक्षा
फीस एवं प्रभार
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
ईंधन अधिशुक्ल
Billing Cycle
30 Days