Home›Learning Center›BOB Eterna Credit Card – Latest Benefits, Fees & How to Apply (Updated 2025)

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20 Feb 2025

BOB Eterna Credit Card – Latest Benefits, Fees & How to Apply (Updated 2025)

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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.

What is a Bob Eterna Credit Card?

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.

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.

Features of Bob Eterna Credit Card

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. Example: Amit activated his BOB Eterna Credit Card and received the following: 500 Reward Points for card activation, which he can use for cashback or shopping vouchers. A six-month FitPass Pro membership worth ₹15,000, gives him access to gyms and fitness centres. 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. Example: Neha spends ₹4,000 on a flight ticket for her vacation, and the card offers 5% cashback on travel purchases. Here's how it works: 5% Cashback on ₹4,000 = ₹200 15 Reward Points per ₹100 spent on the transaction = ₹4,000 ÷ ₹100 = 40 × 15 = 600 points So, Neha earns ₹200 cashback and 600 reward points for her ₹4,000 travel purchase, making the transaction more rewarding!
Travel Benefits	Complimentary domestic airport lounge access and discounts on flight bookings. It also offers a reduced 2% Forex markup. Example: Neha is about to catch a flight for her business trip. She uses her card to enter the airport lounge for a comfortable waiting experience, free of charge, with the card's lounge access benefit. After her trip, Neha decides to book her next flight and uses her credit card to get discounts, saving a significant amount. Additionally, Neha travels internationally and uses her card for foreign transactions. Normally, she would pay a Forex markup fee of 3%, but with this card, the Forex markup is only 2%, saving her money on currency conversion. Summary of benefits Complimentary lounge access before her flight. 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. Example: Raj goes out to dinner with friends and spends ₹2,000 at a restaurant. With the card's dining privileges, he earns 15 reward points for every ₹100 spent on dining. Here's how it works: 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. So, Raj earns 300 reward points for his meal, plus he can enjoy exclusive deals at participating restaurants and resorts!
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. Example: Amit drives frequently for work and refuels his car at a petrol station with a fuel surcharge waiver. On one occasion, he spends ₹2,000 on fuel. Usually, a fuel surcharge of 1% would apply, adding ₹20 to his bill [(₹2000×1)÷100]. However, because of his card’s fuel surcharge waiver, he does not have to pay that extra ₹20. Later in the month, Amit fills up his car again, spending ₹3,500. The surcharge of 1% on ₹3,500 would typically be ₹35, but the waiver covers this cost, and he does not pay the surcharge. Over the month, Amit used the waiver twice, reaching the ₹250 limit for the statement cycle. This means he saves a total of ₹250 on fuel surcharges for the month. Summary of benefits: 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. Example: Priya buys a ₹12,000 refrigerator and chooses to convert the purchase into easy EMIs. Since her total is above the ₹2,500 minimum, she is eligible for the EMI facility. She decides to split the payment into 6 easy installments. Now, she will pay only a portion each month, making the payment process more manageable. Summary of benefits: 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
Other features	The card allows one BOGO movie ticket free upon purchase, up to ₹250 per card. On spending ₹50,000 within 60 days and ₹500,000 a year, the card offers milestone benefits of 10,000 and 20,000 bonuses, respectively. On SELECT MCCs and other categories, for every ₹100 spent, the card offers 1.5 and 3 rewards, respectively. Example: Ravi buys a ₹500 movie ticket and gets a free ticket worth ₹250 using the BOGO offer. He spends ₹50,000 within 60 days, earning a 10,000 reward points bonus. After spending ₹5,00,000 in a year, he gets an additional 20,000 reward points. For purchases in selected categories like groceries, he earns 3 reward points for every ₹100 spent, and for others, he earns 1.5 reward points for every ₹100 spent. Summary of benefits: Free movie ticket worth ₹250 with BOGO offer. 10,000 points for spending ₹50,000 in 60 days. 20,000 points for spending ₹5,00,000 annually. 3 points per ₹100 on selected categories. 1.5 points per ₹100 on other purchases.

With these features, the Bob Eterna Credit Card ensures that customers get maximum value for their spending.

How to Apply for a Bob Eterna Credit Card?

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:

Online Application Process

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.

Visit the official website of the Bank of Baroda
Click the ‘Apply Now’ button under the Bob Eterna Credit Card section.
Fill in the required details, including your name, income, and contact information.
Upload necessary documents such as proof of identity, address, and income.
Submit the application form.
You will receive an application tracking ID to monitor the status of your request.
Once approved, your credit card will be delivered to your registered address within 7-10 business days.

Offline Application Process

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.

Visit the nearest Bank of Baroda branch.
Request an application form for the Bob Eterna Credit Card.
Fill in the necessary details and attach copies of the required documents.
Submit the form to the bank representative.
The bank will verify your details, and the credit card will be issued upon approval.

Bob Eterna Credit Card Eligibility Criteria

To apply for the Bob Eterna Credit Card, customers must meet the following criteria:

Age: 21 to 65 years (Primary Cardholder). Above 18 years (Add-on Cardholder)
Income: Salaried/Self-employed with an income > ₹12 Lakhs p.a.
Employment Type: Salaried or self-employed individuals.
Credit Score: Minimum CIBIL score of 750.

Meeting these eligibility criteria increases the chances of approval for the Bob Eterna Credit Card.

Bob Eterna Credit Card Fees

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 annual charge. 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.

How to Redeem Reward Points?

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:

Online Redemption: Log in to the Bank of Baroda rewards portal and browse available redemption options, including merchandise, gift vouchers, and travel bookings.
Cashback Conversion: Convert reward points into statement credit and reduce outstanding balances.
Partner Outlets: Redeem points at select retail and online partner stores.
Airline Miles: Transfer points to airline frequent flyer programs and enjoy free flights.

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.

How to Check Bob Eterna's Credit Card Balance?

To keep track of your credit card usage, follow these simple steps:

Via Mobile App

Download the Bank of Baroda mobile app.
Log in using your registered credentials.
Navigate to the ‘Credit Card’ section.
View your current balance, available credit limit, and recent transactions.

Via Internet Banking

Log in to the Bank of Baroda’s net banking portal.
Select the ‘Credit Cards’ tab.
View your statement, outstanding balance, and transaction history.

Via SMS Service

Send an SMS with the text ‘BAL XXXX’ (last four digits of your card) to the bank’s official number.
Receive an instant message with your balance details.

Via Customer Care

Call the 24/7 customer care number.
Authenticate using your registered mobile number.
Request balance details from the executive.

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.

How to Report a Lost or Stolen Bob Eterna Credit Card?

If your Bob Eterna Credit Card is lost or stolen, take immediate action to prevent unauthorised transactions:

Block the Card via Mobile App: Log in to the app and select ‘Block Card’ under the ‘Manage Card’ section.
Call Customer Care: Dial the toll-free number and request card blocking.
Visit the Nearest Branch: Report the loss in person and request a replacement card.
File a Police Complaint: If required, file an FIR for added security.

The bank will issue a replacement card within 5-7 working days.

Conclusion

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.

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.

FAQs Related to BOB Eterna Credit Card

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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LoansJagat Team

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