Bank of Baroda Eterna Credit Card
Premium rewards with elevated privileges and lifestyle benefits.
Overview
Bank of Baroda Eterna Credit Card is a premium rewards card designed for frequent spenders who want superior benefits across dining, travel, shopping, and lifestyle spends. It offers accelerated reward points, complimentary lounge access, insurance benefits, and other premium perks, making it ideal for users seeking a mix of rewards and luxury privileges.
Features & Benefits
Joining & Renewal Benefits
Welcome bonus points on achieving required spends within the first 60 days.
Reward points credited on card anniversary/renewal.
Cashback & Rewards
- • 6x points on dining & entertainment
- • 4x points on travel & hotel bookings
- • 2x points on groceries & utility bill payments
- • 1x points on all other spends
Reward Points redeemable for vouchers, travel bookings, statement credit, or merchandise via the rewards portal/app.
Lifestyle Benefits
- • Complimentary domestic / international lounge access (terms apply)
- • Travel & hotel offers
- • Dining and retail partner discounts
- • Insurance cover benefits
1% fuel surcharge waiver across India (₹400–₹4,000 per transaction).
3.5% on international transactions.
Fees & Charges
- • High accelerated points on lifestyle categories
- • Lounge access benefits
- • Premium partner offers
- • Good mix of travel & lifestyle rewards
- • High annual fee
- • Eligibility may be strict
- • Forex fees on international spends
- • Wallet loads
- • EMI/Finance transactions
- • Cash transactions
- • Government payments
Add-on cards available for family members (fee may apply).
- • Minimum annual income ₹4L
- • Age 21–70 years
No major changes announced recently.