Bank of Baroda BOB Eterna Credit Card Review
StandardBank of Baroda
Quick Facts
Joining Fee₹2,499
Renewal Fee₹2,499
Best ForRewards
Forex Markup0%
30-Second Verdict
Expert VerdictThe Eterna Credit Card represents a solid premium choice, balancing strong category-specific rewards with travel perks for everyday affluent spenders.
Golf Privileges
Who Should Apply
- You spend at least ₹2,50,000 annually to waive fees.
- You value airport lounge access and travel perks.
- You want a steady return rate of 0.75% on standard spends.
Who Should Skip
- Your average monthly card spends are less than ₹25,000.
- You prefer cash statement credits over travel reward point transfers.
Key Numbers
Base Reward Rate
3 RP / ₹100
Accelerated Rate
5X
Forex Markup
0%
Joining Fee
₹2,499
Annual Fee
₹2,499
Eligibility
Age: 21 - 70 Years
Requires annual income > ₹12 Lakhs.
Domestic Lounge
Unlimited
Primary: Yes • Add-on: No • Guest: No
Reward Point Mechanics
Understanding how your spends translate into real-world value is key. Here is how you earn, translate, and redeem your reward points.
Earning Blueprint
Accrual & MultipliersBase Earn Rate:3 RP / ₹100
Multipliers & Milestones:
Accelerated 5x3.75% yield
15 Reward Points per ₹100 spent on Dining, Travel, Online and International, capped at 5,000 points monthly.Point Translation
Value depends on how you redeemStandard Currency Point Value
1 BOB Reward Points = ₹0.25
when redeemed for flights/travelRedemption Values:
Flights:₹0.6 per pt
Vouchers:₹0.5 per pt
Cashback:₹0.35 per pt
Merchandise:₹0.3 per pt
1. Fees & Charges
- Joining Fee: ₹2,499 + GST
- Annual Fee: ₹2,499 + GST
- Renewal Fee Waiver: The annual fee is waived if you spend ₹250,000 or more in the preceding card anniversary year. Waived on spends of ₹2.5 Lakhs in previous card year.
2. Airport Lounge Access
For frequent flyers, lounge privileges provide significant comfort and savings:
- Domestic Lounges: Eligible: True (Visa Lounge Program). Complimentary Visits: Unlimited. Spend threshold: ₹75,000.
- International Lounges: Eligible: False (N/A). Complimentary Visits: No complimentary access. Spend threshold: N/A.
3. Rewards Rate & Value
Optimize your spending with the card's rewards structure:
- Base Reward Rate: Earn an effective 0.75% back on general purchases.
- Point Valuation: 1 BOB Reward Points = ₹0.25 value.
- Important Exclusions: Spends on Rent do not earn standard reward points.
4. Verdict: Should You Apply?
Get it if...
- ✓ You value having lounge access on network programs.
- ✓ Your primary spending categories align with this card's reward structure.
Skip it if...
- ✗ You prefer direct cash-back over reward points or travel miles.
- ✗ Your major spending is on excluded categories like rent or utilities (Rent).
Exclusions & Caps Warning
- Spends on Rent, Government transactions, and Wallet Loads are excluded from the annual waiver threshold of ₹2,50,000.
- Fuel transactions do not earn standard reward points, but are eligible for a 1% surcharge waiver up to ₹500/month.
- Cash advances, balance transfers, and EMI conversions do not earn reward points.
Pros & Cons
Advantages | Disadvantages |
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Rewards Point Calculator
Estimate your annual rewards based on your customized spending profile. Slide the bars to adjust your spends and see the total reward points earned.
Total Reward Points Earned
21,000
Points / Year
Premium Dining & Lifestyle Benefits
| Category | Privileges & Details |
|---|---|
| Golf Privileges | Complimentary golf access in India. |
| Entertainment & Movies | Buy 1 Get 1 free movie ticket free up to ₹250, twice monthly. |
Redemption Sweet Spots
Best Value Redemption Strategy: Redeeming points for statement credits yields poor value. Instead, transfer points to airline/hotel loyalty programs (like Marriott Bonvoy or airline miles) to secure maximum value per point.
Cardswise Score
8.0
Rewards6/10
Travel Perks8/10
Lifestyle8/10
Value for Money9/10
Frequently Asked Questions
What is the annual fee and waiver limit of Bank of Baroda BOB Eterna Credit Card?
The annual fee is ₹2,499 + GST. The fee is waived if you spend ₹250,000 in the previous card year.
Does Bank of Baroda BOB Eterna Credit Card offer complimentary lounge access?
Domestic lounge: Unlimited (Spend requirement: ₹75,000). International lounge: No complimentary access.
What is the foreign exchange markup fee?
The card has a foreign exchange markup of 0%.
What is the spending limit on the card?
The card limit is determined based on your credit score, ITR/salary documents, and existing credit relationship with the issuing bank.
How do you apply for this card?
You can apply online via the issuer's portal, netbanking, or by visiting a local branch with income proof documents.
Do reward points expire?
The reward points are typically valid for 24 months.
Eterna Credit Card
₹2,499 Joining Fee