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Harshit, a salaried employee earning ₹80,000 per month, recently applied for the Bank of Baroda Bob Eterna Credit Card. Upon activating his card, he was excited to discover several attractive benefits that came with it. For instance, on his ₹4,000 travel purchase, he earned ₹200 cashback and 600 reward points, significantly boosting the value of his purchase. This was just the beginning. When using the card for various expenses, Harshit can enjoy cashback offers, reward points, and even free airport lounge access.
If you want to know how and when you will benefit from the card, just like Harshit, scroll down and read this blog thoroughly.
The Bob Eterna Credit Card is a premium financial product designed to offer users a seamless and rewarding experience in their everyday spending. Issued by the Bank of Baroda (BOB), this credit card provides customers exclusive benefits, including cashback, reward points, travel privileges, lifestyle benefits, security upgrades, etc.
Whether you are a frequent traveller, an online shopper, or someone who is into fitness and frolic or loves dining out, the Bob Eterna Credit Card has something for everyone.
Read More – Bank of Baroda Premier Credit Card
In today’s fast-paced world, where digital transactions are at their peak, having a reliable credit card can be a game changer. With the Bob Eterna Credit Card, customers can enjoy financial flexibility and a range of value-added services that make life more convenient and rewarding.
Hereby, look at some of the best features of the Bank of Baroda Eterna Credit Card.
Feature | Description |
Welcome Bonus | Enjoy 500 reward points on card activation and a welcome gift of a six-month FitPass Pro membership worth ₹15,000.
A six-month FitPass Pro membership worth ₹15,000, gives him access to gyms and fitness centres. |
With these features, the Bob Eterna Credit Card ensures that customers get maximum value for their spending.
Applying for a Bob Eterna Credit Card is a simple process that can be completed online or offline. Here is how you can get started:
The online application process for the Bob Eterna Credit Card is simple and can be completed online by submitting essential documents and financial details. Once approved, the card is delivered within a week, unlocking a world of premium advantages.
For those who prefer an in-person approach, the BoB Eterna Credit Card can be applied at the nearest Bank of Baroda branch. By visiting a branch, applicants can receive direct assistance from bank representatives, ensuring a smooth process. This method is ideal for individuals who seek personalised guidance or have specific queries regarding eligibility, benefits, or features before proceeding with their credit card application.
To apply for the Bob Eterna Credit Card, customers must meet the following criteria:
Meeting these eligibility criteria increases the chances of approval for the Bob Eterna Credit Card.
Fee Type |
Amount
Joining fee
The Eterna BoB credit card holds a joining charge of ₹ 2,499 and an annual charge of ₹ 2,499. However, the charge will be waived if you spend ₹ 25,000 within the first 60 days of card setup.
Example:
Rajesh recently applied for the Eterna BoB credit card with a joining fee of ₹2,499 and an annual charge of ₹2,499. However, he learns that the fee can be waived if he spends ₹25,000 within the first 60 days of activating the card.
Rajesh makes several big purchases and meets the ₹25,000 spending requirement within 60 days. As a result, his joining fee and annual charge are both waived.
Summary of benefits:
₹2,499 joining fee and .
This welcome bonus provides instant value, offering reward points and a fitness benefit!
Cashback Offers | Up to 5% cash back on select purchases. This means you may get 15 reward points for every ₹100 spent on meals, travel, online shopping, and foreign transactions.
15 Reward Points per ₹100 spent on the transaction = ₹4,000 ÷ ₹100 = 40 × 15 = 600 points
|
Travel Benefits | Complimentary domestic airport lounge access and discounts on flight bookings. It also offers a reduced 2% Forex markup.
Discounts on future flight bookings. 1% savings on Forex fees for international transactions. |
Dining Privileges | For every ₹100 spent on dining, the card offers 15 reward points. Cardholders can also avail themselves of culinary deals at more than 250 restaurants, luxury hotels, and resorts.
Reward Points: ₹2,000 ÷ ₹100 = 20 × 15 = 300 points Culinary Deals: Raj can also use the card for special offers or discounts at more than 250 partner restaurants and luxury hotels.
|
Fuel Surcharge Waiver | 1% fuel surcharge waiver at select fuel stations. This waiver applies to transactions of ₹ 400 to ₹ 5,000, with a limit of ₹ 250 every statement cycle.
A 1% fuel surcharge is waived on fuel transactions. Maximum savings of ₹250 per statement cycle. |
EMI Facility | Convert large purchases into easy EMIs. This option is available for unbilled transactions totalling at least ₹2,500.
Convert purchases above ₹2,500 into EMIs. Option for manageable monthly payments, such as 6 in installments or a ₹12,000 purchase. |
24/7 Customer Support | Dedicated support team for all card-related queries |
*T&C Apply
Fee waiver if spending ₹25,000 within 60 days of activation.
Annual fee
The Eterna BoB credit card holds an annual charge of ₹ 2,499. However, the fee will be waived if you spend ₹2,50,000 or more in a year.
Example:
Amit has the Eterna BoB credit card, which carries an annual fee of ₹2,499. However, he finds out that the fee is waived if he spends ₹2.5 lakhs or more in a year.
Amit uses his card for various purchases throughout the year and reaches the ₹2.5 Lakhs threshold. As a result, his annual fee of
₹2,499 is waived.
Summary of benefits:
₹2,499 annual fee.
Fee waiver if spending ₹2,50,000 or more in a year.
Late Payment Fee
₹100 - ₹1,000 depending on the outstanding amount
These charges are competitive and designed to offer flexibility while keeping costs minimal.
The Bob Eterna Credit Card has an attractive reward points program that allows users to accumulate points on every transaction. Here is how you can redeem them:
For example, if you spend ₹10,000 on dining, you earn 1,000 reward points. Once you accumulate 10,000 points, you can redeem them for ₹1,000 cash back or use them for shopping vouchers worth ₹1,500.
To keep track of your credit card usage, follow these simple steps:
Via Mobile App
Via Internet Banking
Via SMS Service
Via Customer Care
Follow these easy steps to track your credit card usage quickly with Bank of Baroda. Whether you use the mobile app, online banking, SMS service, or customer service, you can quickly check your balance, available credit, and recent transactions.
Each option provides rapid and safe access, allowing you to stay informed about your finances and make cautious credit card decisions. Select the option that best meets your requirements for simple credit card administration and increased financial knowledge.
If your Bob Eterna Credit Card is lost or stolen, take immediate action to prevent unauthorised transactions:
The bank will issue a replacement card within 5-7 working days.
The Bob Eterna Credit Card is an excellent financial tool with many benefits, including cashback, travel privileges, and dining discounts. With easy application procedures, flexible repayment options, and a rewarding points system, this credit card caters to individuals looking for convenience and financial flexibility.
Also Read - Bank of Baroda Credit Card
By using the Bob Eterna Credit Card wisely, customers can not only manage their expenses efficiently but also enjoy huge savings and rewards on their everyday purchases. If you are looking for a credit card that complements your lifestyle and spending habits, the Bob Eterna Credit Card is a great choice.
1. What is the credit limit for the Bob Eterna Credit Card?
The credit limit for the Bank of Baroda Eterna Credit Card varies with each cardholder and is determined by several criteria. These criteria include the cardholder's credit rating, income, and credit history. Typically, limits range from ₹50,000 to ₹5,00,000.
2. How can I increase my credit limit?
Customers can request a credit limit increase through net banking or by contacting customer care. The bank may require income proof for approval.
3. Is there a contactless payment feature?
Yes, the Bob Eterna Credit Card supports contactless payments for transactions up to ₹5,000 without entering a PIN.
4. How can I earn maximum reward points?
Use the card for dining, online shopping, and travel bookings to earn accelerated reward points.
5. Can I convert my purchases into EMIs?
Yes, transactions above ₹5,000 can be converted into easy monthly instalments with flexible tenure options.
Get your Bob Eterna Credit Card today and start enjoying a world of benefits!
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