Bank of Baroda · Credit Card
Bank of Baroda Eterna Credit Card
Official product: BOBCARD ETERNA
- Premium privileges from Bank of Baroda
- Higher reward rates and premium privileges
- Priority service and exclusive access
Fees, rewards and eligibility shown below are decided solely by Bank of Baroda and can change without notice — always confirm current terms on the official page before applying.
Fees & Charges
- Joining Fee
- ₹2,499 standard; current limited-period LTF campaigns may apply
- Annual / Renewal Fee
- ₹2,499 standard; current limited-period LTF campaigns may apply
- Annual Fee Waiver Condition
- Standard first-year reversal on ₹25,000 in first 60 days; renewal waiver on ₹2.5 lakh annual spend.
- Interest Rate / Finance Charge
- Product-specific; Eterna revised to 3.75% per month (45% p.a.) effective July 2026; refer BOBCARD MITC for each card.
- Late Payment Charges
- Current BOBCARD FAQ: Nil <₹100; ₹100 ₹100–₹500; ₹400 ₹501–₹1,000; ₹750 ₹1,001–₹10,000; ₹950 ₹10,001–₹25,000; ₹1,100 ₹25,001–₹50,000; ₹1,300 above ₹50,000.
- Forex Markup Fee
- 2%
Rewards, Travel & Lifestyle
- Reward / Cashback Rate
- 15 Reward Points/₹100 on eligible travel, dining, e-commerce and international spends; 3 RP/₹100 on other eligible spends.
- Reward / Cashback Cap
- Not disclosed by issuer — check official card page
- Welcome Benefits
- 10,000 bonus RP on ₹50,000 spend within first 60 days under standard product terms.
- Domestic Lounge Access
- Unlimited domestic lounge under current 2026 programme after qualifying spend
- International Lounge Access
- Not disclosed by issuer — check official card page
- Lounge Unlock / Spend Condition
- ₹75,000 spend in preceding quarter under current Jul 2026 revision.
- Fuel Surcharge Waiver
- 1% fuel surcharge waiver; max ₹250/statement.
Eligibility & Documents
- Minimum Income / Eligibility
- Official material states annual net income above ₹12 lakh.
- Age Eligibility
- 25–55 years (official ETERNA material)
- Employment Type
- Salaried / self-employed subject to BOBCARD underwriting.
- Documents Required
- Photo, PAN, address proof and income proof/bank statements as applicable.
Official Sources & Verification
Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked
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Before you apply
Frequently asked questions
What are the joining and annual fees for the Bank of Baroda Eterna credit card? ▾
Joining fee: ₹2,499 standard; current limited-period LTF campaigns may apply. Annual fee: ₹2,499 standard; current limited-period LTF campaigns may apply. Fee waiver: Standard first-year reversal on ₹25,000 in first 60 days; renewal waiver on ₹2.5 lakh annual spend..
What rewards or cashback does the Bank of Baroda Eterna credit card offer? ▾
15 Reward Points/₹100 on eligible travel, dining, e-commerce and international spends; 3 RP/₹100 on other eligible spends.
Who is eligible for the Bank of Baroda Eterna credit card? ▾
Official material states annual net income above ₹12 lakh. 25–55 years (official ETERNA material) Salaried / self-employed subject to BOBCARD underwriting.
What is the forex markup fee on the Bank of Baroda Eterna credit card? ▾
2%
Does the Bank of Baroda Eterna credit card offer airport lounge access? ▾
Domestic: Unlimited domestic lounge under current 2026 programme after qualifying spend ₹75,000 spend in preceding quarter under current Jul 2026 revision.