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Bank of Baroda ETERNA Credit Card

by Kshitiz V Sharma on

The Bottom Line

Bank of Baroda ETERNA Credit Card
High Fee, Unlimited Lounge Visits

15 reward points / ₹100 on travel, foreign spends, dining & online shopping and 3 points on all other spends.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield -3.3%^ -0.8%^ 0.6%^ 2.7% 2.3%
Est. Monthly Reward (₹) (160) (75) 120 1,350 2,250
All-India Rewards Rank* 306 293 158 6 13
Within Bank Rank* 23 23 12 1 1
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The Bank of Baroda ETERNA Credit Card gives 3.75% effective reward on travel, dining, online shopping & foreign spending and 0.75% on all other spending.

Overall, we estimate you can earn a net reward yield of 2.3 – 2.7% on spending above ₹50,000 with this card in a month, making this the best credit card from BoB for high spenders.

The Snapdeal BoB Credit Card is the best card for Bank of Baroda Card customers spending less than ₹50,000 a month. It gives effective rewards of 5% for all purchases on the Snapdeal website & app  and also gives 2.5% effective rewards on grocery and shopping.

We estimate this card gives a net reward yield of 1.2% on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card Bank of Baroda ETERNA Credit Card
Card Type Reward
Reward Features 15 Reward Points / ₹100 on:
– Travel
– Foreign Spends
– Dining
– Online Shopping

3 Reward Points / ₹100 on all other spends

Milestone Rewards 20,000 bonus points on annual spend of ₹5 Lacs
Other Rewards – Unlimited Domestic Airport Lounge visits

– 1+1 Movie tickets on Paytm ( Capped at ₹250 p.m.)

– 4 Complimentary Golf Rounds annually

Rewards Redemption Fee Nil
Reward Caps 5,000 points p.m. on travel, foreign spends, dining & online shopping
Preferred Redemption Method Cashback against statement balance

1RP = ₹0.25

Fees & Charges

Card Bank of Baroda ETERNA Card
Joining Fee ₹2,499 + Taxes
Annual Fee ₹2,499 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹2.5 Lacs
Income Criteria Salaried ₹12 Lacs p.a.
Self-employed ITR>₹12 Lacs
Supplementary Card Fee Free
Interest Rate 39.00%
Foreign Currency Markup 2.00%
Cash Advance Charge 2.50% transaction amount minimum of ₹500
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