Bank of Baroda Eterna Credit Card | Features | Benefits | Return Rate | Details

Bank of Baroda offers various types of personal banking cards such as Credit, Debit, Prepaid, Business & Travel Cards. Launched back in 2020, Bank of Baroda Eterna is a premium credit card and comes powered with 'World MasterCard.'

The card offers lots of exclusive benefits. Unlimited domestic lounge accesses, Foreign Exchange Mark-up fee of 2%, insurance cover of up to Rs. 1 crore are some of the key features on this card. Details below:

Welcome Gift & Reward Points

• Welcome Gift of FitPass Pro Membership worth Rs. 15,000.

• 15 Reward Points per Rs. 100 spent on travel, international spending, dining & online shopping.

• 3 Reward Point for every Rs. 100 spent on other categories.

• 1 RP = 0.25P.

• All your accumulated reward points can be redeemed for cashback.

- Note that the cardholder would not fetch Reward Points on fuel transactions and that the 15X Rewards are capped at 5000 Reward Points on the mentioned categories per month. Further spends in that month on these categories will earn Reward Points at the regular earn rate.

Unlimited Lounge Access

• Unlimited complimentary access to Domestic Airport Lounges via World MasterCard.

• Click here for a list of participating lounges and T&Cs.

- Note that International Airport Lounge access is unavailable on Eterna.

BOGO on Entertainment

• Buy one get one (BOGO) free Movie ticket via Paytm.

• Maximum up to Rs. 250 per card per month.

Milestone Benefits & Reward Rate

Spends	Reward Points
INR 60,000 within 60 days of card issuance		10,000 RPS
INR 5,00,000 in a year	20,000 RPS
Total RPs on 5L spends (15x Category) = 60,000* Accelerated RPs + 1,000 Regular RPs + 30,000 Bonus RPs = 91,000 RPs x 0.25 = INR 22,750 *5000 monthly cap applied
Reward Rate on 5L spends (excluding fee waivers)	4.55%
Reward Rate on 5L spends (including fee waivers)	5.73%

Fuel Surcharge Waiver

• 1% fuel surcharge waiver at all fuel stations across India.

• The waiver applies to transactions between Rs. 400 and Rs. 5000.

• The maximum fuel surcharge waiver gets capped at Rs. 250 per statement cycle.

• No Reward Points are earned on fuel transactions.

Easy EMI option

• Convert purchase of  Rs 2500+ on your card into easy EMIs of 6 & 12 months.

In-built Insurance Cover

Category	Amount
Personal Accidental Air Death Cover	INR 1 Crore
Personal Accidental Non-Air Death Cover	INR 10 Lakh

Fee Structure

Joining Fee	INR 2,499 + Taxes
The joining fee gets waived on spending INR 25,000 in the first 60 days
Annual Fee	INR 2,499 + Taxes
The annual fee gets waived on spending INR 5,00,000 in a year
Eligibility	12L Income p.a.

ForEx Mark-up Fee

• Foreign transactions incur a fee of only 2%. 

CP's Take

- Eterna offers almost everything that would satisfy most of the credit card enthusiasts. The association with World MasterCard power packs it with over 250 deals on dining, exclusive offers on hotels and resorts, access to golf courses, and unlimited domestic lounge accesses. 

Most importantly, the Return Rate as illustrated above is very good and is on par with other premium categories' credit cards. 

- Had Eterna included a couple of rail & international lounge accesses and worked to improve its sub-standard customer care team, it could have defied some raising eyebrows as well.

Bank of Baroda Eterna Credit Card is definitely a go-ahead.

Should you require any further information, please do not hesitate to drop us a line in the comment section below. Alternatively, you can also write to us at admin@chargeplate.in.

Thanks for reading!

Other BoB Cards: 

▷ Bank of Baroda Easy Credit Card

▷ Bank of Baroda Prime Credit Card

▷ Bank of Baroda Select Credit Card

▷ Bank of Baroda Premier Credit Card

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