Bank of Baroda Eterna Credit Card

Bank of Baroda (Bob) Eterna Credit Card review | FinanceNerd

Before getting the Bob Eterna Credit Card, I never thought that a public sector bank could ever come up with a credit card which would make me think on the first day of the card launch: This card is awesome, I should definitely get this card. Launched in October 2020 by BOB Financial Solutions Limited, a wholly-owned subsidiary of Bank of Baroda, the Bank of Baroda Eterna Credit Card is one of the best Premium Credit Cards in India for online shopping. Let us see the features of this card here.


Joining Fee

Rs 2,499 + GST (18%) (Apply for the BoB Eterna Credit card and get the joining fees reversed on spending Rs 25,000 within 60 days of card activation). You also earn 10,000 reward points (equal to Rs 2,500) if you spend Rs 50,000 within 60 days of card activation.

Annual Fee

Rs 2,499 + GST (18%)

Fee waiver: The annual fee is waived off on spending more than Rs 2.5L in the previous year.

Eligibility for BoB Eterna Credit Card

  • The applicant must be a resident of India
  • The applicant must be of the age 21-65 years of age.
  • Income Criteria: Annual income should be higher than 12 lpa.

Benefits of BoB Eterna Credit Card

Welcome benefit

FREE 6 month’s FitPass Pro membership worth ₹ 15,000 as Welcome Gift.

Reward points

3 reward point per Rs 100 spent which translates to 0.75% returns (1 reward point = Rs 0.25)

5x Reward points

You get 15 reward points on the following transactions, which translates to 3.75% returns.

  1. ALL online purchases
  2. International transactions
  3. Travel spends
  4. Dining spends

The 5x rewards have a monthly capping of 5,000 reward points per month (equal to Rs 1250). Beyond that, you will continue to earn normal rewards (3 reward points per Rs 100 spent).

Monthly benefits

Buy 1 get 1 on movie tickets on Paytm (up to Rs 250 per month)

Airport Lounge Access

Unlimited free Domestic Airport Lounge benefits under the MasterCard India Lounge Program.

Milestone Rewards

On reaching annual spends of Rs 5L, you get additional 20,000 reward points worth Rs 5,000.


  • The Reward rates for offline transactions and the transactions beyond the 5x limit is less when compared to other Premium Credit Cards available in India.
  • Though Bank of Baroda has a dedicated customer support number and email support for Eterna Credit Card holders, I never got a reply to my emails. However, I was able to contact them on the phone support after a few tries. They need to work a lot on the customer support.

Low Foreign Currency Markup Fees

The forex markup fee for Bank of Baroda Eterna Credit Card is 2%+ GST (18%), same as the Super Premium Credit Cards like HDFC Diners Black Credit Card.

Should you get it?

Well, if you have decent spending online (excluding websites like Amazon, Flipkart etc where there are co-branded offers from many other Credit Cards), then you should definitely apply for this card as it gives an AWESOME return of 3.75% on online spends. If you maximize the 5x points every month and spend a total of Rs 5L in a year, then you will earn a total of 83,000 reward points (5000*12 as 5x rewards, 3000 as rewards on spends above the 5x limit, and 20000 on completing the annual milestone of Rs 5L) equal to Rs 20,750, translating to 4.15% returns, even more than the Super Premium Credit Cards such as HDFC Diners Club Black or HDFC Infinia. And the best part is, the reward points can be redeemed for cash credit to the card. Not just this, you get annual fee waiver for the next year too.

I applied for the BoB Eterna Credit Card from the BoB Financials website on the day it was launched and got the call from Bank executive the very next day. The process was smooth and I received the Credit Card approval message in around 18 days from the card application, and the card was delivered in another 3 working days.

Let me know your thoughts or queries on the BoB Eterna Credit Card in the comments below. Want any specific Credit Card reviews? Let me know in the comments below or using the Contact Me section of this website.

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