Bank of Baroda Eterna Credit Card: Features & Benefits

Bank of Baroda Eterna Credit Card is one of the best premium credit card offers that effectively brings together luxury, rewards, and affordability. Tailor-made for people with a really lavish way of life, this particular card houses multiple benefits in segments like shopping, dining, travel, and entertainment. In addition, the card provides substantial rewards on online spending, hence making it one of the most popular credit cards available in the Indian market.

Given the range of premium privileges that come with this card-free lounge access, golf privileges, air accident insurance, and low foreign currency markup fees among others, the BoB Eterna Credit Card could easily be termed as an integral element of each of the above. Below, we will delve into all the specifics around features, benefits, fees, and eligibility criteria associated with this card, while showing simultaneously how to apply for the same at each step.

Key Features and Benefits of the Bank of Baroda Eterna Credit Card

1. Welcome Benefits

The Eterna Credit Card has the following attractive welcome benefits that help you get instant value on the activation of your card:

• 6-month FitPass Pro membership: The cardholder gets complimentary access to 2,500 premium gyms and fitness studios all over India, worth ₹15,000.
• 10,000 Bonus Reward Points: Spend ₹50,000 within 60 days of the card issuance date, and you shall get 10,000 bonus points redeemable for travel, dining, and other rewards.
• These welcome gifts make it an excellent card for those who want to kick-start their rewards accumulation from day one.

2. Milestone Benefits

Besides the welcome bonus, the card gives milestone-based benefits:

• 20,000 bonus reward points on annual spends of ₹5 lakh: To add an additional layer of reward for big spenders, this makes the card quite attractive for those who make big purchases throughout the year.

3. Spend-Based Fee Waivers

The BoB Eterna Credit Card offers possibilities for waiver of joining and annual renewal fee both based on your spending:

• Joining Fee Waiver: Spend ₹25,000 in the first 60 days of card issuance, and the joining fee of ₹2,499 will be waived off.
• Annual Fee Waiver: Spend ₹2.5 lakh in a year, and the annual renewal fee for the subsequent year will be waived.

4. Reward Points System

The most attractive thing about the BoB Eterna Credit Card is the great reward points system, ensuring that cardholders get paid for every purchase: 

• 15 Reward Points per ₹100 on spends related to online shopping, travel, dining, and movies. Essentially, this is one of the high points-earning cards, making it very lucrative for people who regularly transact in these categories.
• 3 Reward Points per ₹100 on the Rest others: Though the rewards on such transactions are at a lower rate, it will still provide a consistent accrual on many other types of purchases.

The card also caps at 5,000 reward points per month at the accelerated rate of 15 points per ₹100 spent. In all other cases, everyday transactions and miscellaneous spending cardholders can accrue points at the standard rate.

5. Reward Redemption Options

Your reward points can be availed in several ways, offering flexibility based on your preference:

• Cashback: The reward points accrued can be redeemed as cashback, credited directly against your statement balance. 
• Travel and Shopping: You can also use the reward points to purchase flight tickets, book hotel rooms, movie tickets, mobile recharge, and even shop on websites through the Bank of Baroda’s reward redemption portal.
• Reward Value: 1 Reward Point = ₹0.25. The straightforward redemption mechanism makes it even easier for you to get value out of your points and utilize them where needed.

Travel and Entertainment Benefits

1. Domestic Lounge Access

Some of the major benefits associated with the BoB Eterna Credit Card are unlimited free access to domestic airport lounges under the MasterCard India Lounge Program. The feature is sure to attract regular travelers who want to relax and rejuvenate before taking flights.

International lounge access is not covered under the card, but unlimited domestic lounge access, in any case, offers a good deal to frequent flyers.

2. Golf Benefits

The card offers exclusive golfing privileges:

• 4 complimentary rounds of golf every year (one per month) with waived green fees.
• 12 complimentary golf lessons annually, offering cardholders an opportunity to enhance their golf skills.
• 50% off the green fee beyond the complimentary rounds/lessons.

These benefits cater specifically to golf enthusiasts, offering them opportunities to enjoy the sport at reduced costs.

3. Movie and Dining Offers

The card shines when it comes to dining and entertainment:

• 5X Reward Points: You earn 15 reward points per ₹100 spent on dining and movie bookings.
• MasterCard Priceless Specials: Cardholders gain access to over 250 culinary deals through MasterCard’s exclusive “Priceless Specials” program.
• Paytm Offer: The card also offers a Buy One Get One scheme for movie tickets booked via Paytm Movies, with a maximum discount of ₹250 per month. This is perfect for film enthusiasts who enjoy frequent outings.

4. Low Forex Mark-up Fee

For international travelers, the BoB Eterna Credit Card offers a competitive foreign currency markup fee of just 2%. This is significantly lower than the industry standard, where forex markup fees typically range from 3% to 3.5%. This feature can result in substantial savings when making purchases in foreign currencies.

Insurance Benefits

Insurance coverage is one of the most important features of any premium credit card, and the BoB Eterna Credit Card does not disappoint:

• Personal Air Accidental Cover: The card provides a substantial ₹1 crore in case of accidental death due to an air accident. This offers peace of mind for frequent travelers.
• Accidental Death Cover: In addition to air accident cover, the card also provides ₹10 lakh coverage in the event of death from other types of accidents.

This makes the card particularly valuable for individuals who travel frequently, whether for business or leisure, and want to ensure their loved ones are financially secure in case of unforeseen events.

Additional Benefits

1. Fuel Surcharge Waiver

The BoB Eterna Credit Card offers the privilege of 1% fuel surcharge waiver for transactions ranging between ₹400 and ₹5,000 at any petrol pump in India. Also, the maximum amount can be waived in a month is ₹250. This thus becomes a great added advantage to those who regularly refuel their vehicles.

2. UPI Enabled Payments

One of the standout features of the BoB Eterna Credit Card is its support for UPI payments. The credit cardholders can link their credit cards with UPI apps, including Google Pay, PhonePe, and Paytm, in order to make payments through those popular platforms.

This unique feature makes the card highly user-friendly because it marries the convenience of UPI to the advantages of a credit card.

Fees and Charges

While the Bank of Baroda Eterna Credit Card offers several premium features, it’s important to understand the associated fees:

These fees are relatively competitive, especially considering the wide range of premium benefits offered by the card. Moreover, with spend-based waivers, the card can be effectively free for those who meet the spending criteria.

Eligibility Criteria

To be eligible to apply for the Bank of Baroda Eterna Credit Card, you must fulfill the following eligibility criteria:

• Age: The age of the primary cardholder should be between 21 and 65 years, whereas add-on cardholders should be at least 18 years of age.
• Income: ₹12 lakh per annum is the minimum annual income that is required for both salaried and self-employed applicants. 
• Residency: An applicant should possess Indian residency.

These are relatively easy criteria to meet; hence, the card is available to a broad range of people looking at having a premium credit card experience without stringent income requirements as in other high-end cards.

How to Apply for the Bank of Baroda Eterna Credit Card

It is pretty easy and hassle-free to apply for the BoB Eterna Credit Card. You can apply online or simply by visiting any Bank of Baroda branch in person.

Online Application Process:

• Visit the official Bank of Baroda Credit Card portal.
• Click on “Apply Now.”
• Fill in the personal, income, and contact details.
• Submit along with all the required self-attested scanned documents.
• Once applied, the bank will process the same and inform the status. 

Offline Application Process:

• Visiting the nearest Bank of Baroda branch along with your documents. 
• Physically filling out the credit card application form. 
• Submit your form along with your documents to the bank representative. 
• The bank will verify your details and communicate the status of your application. 

Required Documents

Here are the documents you will typically need to apply for the BoB Eterna Credit Card:

• Proof of Identity: Photocopies of PAN card, Aadhaar card, or passport.
• Proof of Address: Photocopies of Aadhaar card, utility bill, passport, or rental agreement.
• Proof of Income: Latest salary slips or income tax returns, in case of self-employed.
• Bank Statement: Normally, a 3-6 month statement depicting insight into your financial transactions.

Customer Service and Support

For any queries or complaints related to Bank of Baroda Eterna Credit Card, the card members can reach out to the bank’s 24×7 customer care helpline on 1800 103 1002. You can also write an email on [email protected] for getting answers to specific queries related to the Eterna card.

Final Thoughts

This is rare in the premium credit card market: the Bank of Baroda Eterna Credit Card, which comes with an extremely high reward rate, milestone benefits, and a wide array of lifestyle privileges. The unlimited domestic lounge access, golfing benefits to insurance covers make it a remarkable value at this price.

Be it the globetrotter, e-commerce enthusiast, or gourmet searcher for fine dining and entertainment, the Eterna card promises a life of luxury and, as an added bonus, rewards every rupee spent in the most lucrative manner. With spend-based fee waivers and flexible reward redemption options, this card makes a strong statement for anyone looking at a premium yet affordable credit card.

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