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| 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. |
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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.
| 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 |
| 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 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
