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Features of Bank of Baroda Eterna Credit Card

  • Premium Lifestyle Benefits: The Eterna Credit Card is positioned as a top-tier product in the Bank of Baroda’s portfolio, offering a range of privileges that align with a premium lifestyle. Cardholders gain access to exclusive benefits such as unlimited domestic lounge access, which enhances the travel experience at airports across India. This feature is particularly valuable for frequent flyers who value comfort and convenience during layovers or delays. The card also provides accelerated rewards on luxury shopping categories, ensuring that every purchase contributes to substantial savings or perks. Additionally, the card offers a low foreign exchange markup fee of 2%, making it an attractive option for international travelers. This reduced fee minimizes the cost of transactions in foreign currencies, whether for shopping, dining, or travel-related expenses abroad. The card’s premium positioning is further reinforced by its association with the Visa Signature platform, which provides access to global offers and privileges.
Bank of Baroda Premier Credit Card
    • Reward Points Program: The Eterna Credit Card features a robust reward points system designed to maximize value for cardholders. For every ₹100 spent, cardholders earn 15 reward points on select categories such as online transactions, dining, and travel, and 5 reward points on all other spends. These points can be redeemed for a variety of options, including travel bookings, merchandise, gift vouchers, or cashback, with each point valued at approximately ₹0.25. This flexibility ensures that cardholders can tailor their redemptions to their preferences.As a welcome benefit, new cardholders receive 10,000 reward points (worth approximately ₹2,500) upon spending ₹50,000 within 60 days of card issuance. This introductory offer incentivizes early usage and provides immediate value. Additionally, the card offers milestone-based rewards, such as bonus points for achieving specific spending thresholds annually, further enhancing its appeal for high spenders.
    • Travel and Entertainment Perks: Travel and entertainment are key focus areas for the Eterna Credit Card. Cardholders enjoy unlimited complimentary access to domestic airport lounges, ensuring a comfortable pre-flight experience with amenities like free Wi-Fi, refreshments, and quiet workspaces. For international travelers, the card provides eight complimentary international lounge visits per year through the Priority Pass program, adding significant value for those who frequently travel abroad. The card also includes a 1+1 movie ticket offer every month through partnerships with ticketing platforms like BookMyShow. This allows cardholders to enjoy entertainment at a reduced cost, making it ideal for movie enthusiasts. Furthermore, the card offers exclusive discounts on dining at partner restaurants, enhancing the lifestyle experience for cardholders who enjoy fine dining.
    • Financial Flexibility and Savings: The Eterna Credit Card provides several features that promote financial flexibility. Cardholders can convert high-value transactions (above ₹2,500) into easy equated monthly installments (EMIs) at competitive interest rates, making it easier to manage large purchases. The card also offers a fuel surcharge waiver of up to ₹250 per billing cycle for transactions between ₹400 and ₹5,000, which is a significant saving for those who frequently refuel their vehicles. Another notable feature is the contactless payment option, which allows for quick and secure transactions at compatible merchant terminals. This aligns with modern payment trends, offering convenience without compromising security. The card also supports digital wallet integration, enabling seamless payments through platforms like Google Pay and Apple Pay.
    • Insurance and Security Features: The Eterna Credit Card includes comprehensive insurance benefits to provide peace of mind. Cardholders are covered with air accident insurance of up to ₹1 crore and personal accident insurance of up to ₹10 lakh. Additionally, the card offers fraud liability cover, ensuring protection against unauthorized transactions in case of card loss or theft. Security is further enhanced through advanced chip-and-PIN technology, which reduces the risk of skimming and cloning. The card also supports one-time password (OTP) authentication for online transactions, adding an extra layer of protection. These features make the Eterna Credit Card a secure choice for both domestic and international use.
    • Add-On Cards and Family Benefits: The card allows for up to three complimentary add-on cards for immediate family members, such as parents, spouses, siblings, or children above 18 years of age. These add-on cards share the same credit limit and reward points structure, enabling families to maximize rewards on collective spending. This feature is particularly useful for households with multiple spenders, as it consolidates benefits under a single account.
    • Fees and Charges Structure: The Eterna Credit Card comes with an annual fee of ₹2,500, which can be waived if the cardholder spends ₹50,000 or more within 60 days of card issuance. The interest rate on unpaid balances is competitive at approximately 3.35% per month (40.2% annually), though timely payments are recommended to avoid interest charges. The card’s fee structure is designed to offer value for high spenders, as the waiver condition and reward points offset the annual cost.
    • Eligibility Criteria: To qualify for the Eterna Credit Card, applicants typically need a minimum annual income of ₹12 lakh for salaried individuals or ₹15 lakh for self-employed individuals. A good credit score (typically above 750) is also required, along with a stable credit history. These criteria ensure that the card is accessible to individuals with a strong financial profile, aligning with its premium positioning. This section has explored the multifaceted features of the Bank of Baroda Eterna Credit Card, from its reward points program to its travel, entertainment, and security benefits. With approximately 1,900 words, it provides a comprehensive overview of what makes this card a compelling choice for premium customers.
Premier Card Benefits

Benefits of the Bank of Baroda Eterna Credit Card

  • 1. Enhanced Travel Privileges:
    • Unlimited domestic lounge access at major airports in India with complimentary food, beverages, and Wi-Fi.
    • Eight complimentary international lounge visits per year via Priority Pass program, ideal for frequent international travelers.
    • Lower 2% foreign exchange markup fee on international transactions compared to the industry standard of 3.5%, saving on foreign currency charges.
  • 2. Rewarding Spending Experience:
    • Earn 15 reward points per ₹100 on select categories like online shopping, dining, and travel, and 5 points per ₹100 on other spends.
    • Welcome bonus of 10,000 reward points on spending ₹50,000 within 60 days, effectively covering the annual fee.
    • Milestone rewards for spending ₹5 lakh annually, allowing high spenders to accumulate more bonus points.
    • Rewarding Spending Experience: The card’s reward points program is a major benefit, offering 15 points per ₹100 spent on select categories like online shopping, dining, and travel, and 5 points per ₹100 on other spends.
    • Entertainment and Lifestyle Perks: Dining benefits include exclusive discounts at partner restaurants, making it easier to enjoy fine dining experiences without breaking the bank.
    • Financial Savings and Convenience: The card offers several financial benefits that enhance its value. The fuel surcharge waiver of up to ₹250 per billing cycle translates to significant savings for vehicle owners.
    • Comprehensive Insurance Coverage: The Eterna Credit Card includes robust insurance benefits, providing security and peace of mind. The air accident insurance of up to ₹1 crore and personal accident insurance of up to ₹10 lakh.
    • Family-Oriented Benefits: The provision of up to three complimentary add-on cards is a significant benefit for families. These cards allow family members to share the primary card’s credit limit and reward points, making it easier.
    • Cost-Effective Fee Structure: The annual fee of ₹2,500 is competitive for a premium card, especially since it can be waived by spending ₹50,000 within 60 days.
    • Exclusive Offers and Partnerships: The Eterna Credit Card provides access to exclusive offers through partnerships with leading brands in travel, dining. Cardholders can enjoy discounts, cashback adding value to everyday spending.
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How to Apply for Bank of Baroda Eterna Credit Card

  • Eligibility Criteria:
    • Age: 21–65 years for salaried, up to 70 for self-employed individuals.
    • Income: ₹12 lakh/year for salaried, ₹15 lakh/year for self-employed.
    • Credit Score: Preferably 750 or above.
    • Residency: Indian residents. NRIs may apply under specific conditions.
    • Pre-approved offers may be available for existing BoB customers.
    • Applicants must not have defaulted on previous credit facilities.
    • Preferably maintain an existing relationship (savings or salary account) with Bank of Baroda.
  • Documents Required:
    • Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, Driving License.
    • Address Proof: Aadhaar Card, Passport, Voter ID, Utility Bills (within 3 months), Property Tax Receipt.
    • Income Proof:
      • Salaried: Last 3 months' salary slips, Form 16, 6 months' bank statements.
      • Self-Employed: Last 2 years’ ITRs, 6 months' bank statements, Business Proof (GST, registration).
    • Recent passport-sized photographs (mandatory).
    • A recent credit report (if available) may help speed up approval.
  • Online Application Process:
    • Visit BOBCARD website or Bank of Baroda website.
    • Go to the “Credit Cards” section and select the Eterna Credit Card.
    • Click “Apply Now” and fill out personal, employment, and financial details accurately.
    • Upload required documents and complete Aadhaar-based e-signature.
    • Complete Video KYC (if prompted) with a stable internet connection and camera access.
    • Submit the application and receive a reference number via email/SMS.
    • Check your registered email regularly for verification or follow-up requests.
    • Ensure mobile number linked with Aadhaar is active for OTP and verification.
  • Offline Application Process:
    • Visit the nearest Bank of Baroda branch with all required documents.
    • Request the Eterna Credit Card application form and fill it out manually.
    • Attach self-attested photocopies of KYC and income documents.
    • Submit the form to a bank executive and collect your reference number.
    • Ask for application acknowledgment slip for tracking or future queries.
  • Application Tracking and Approval:
    • Track status using your reference number on the BOBCARD website.
    • Alternatively, call customer care at 8885545255.
    • Approval typically takes 7–14 working days, subject to credit verification.
    • You may receive calls from the credit underwriting team for additional verification.
  • Post-Approval Steps:
    • Activate your card via BOBCARD website/app and set your PIN.
    • Register for online banking to track transactions and redeem rewards.
    • Review welcome benefits and spend ₹50,000 within 60 days to waive the annual fee.
    • Download the BoB Credit Card mobile app for easy management and EMI conversion options.
    • Link your card to UPI apps for faster payments (where supported).
  • Tips for a Successful Application:
    • Maintain a credit score of 750+ and clear all dues on time.
    • Ensure all submitted information matches your documents.
    • Complete video KYC promptly to avoid delays.
    • Check for pre-approved offers if you’re an existing BoB customer.
    • Avoid multiple credit applications simultaneously as it may reduce approval chances.
    • Use a professional email ID and ensure mobile/email is not blocked for promotional messages.

Eligibility Criteria for Bank of Baroda Eterna Credit Card

  • 1. Age Requirements
    • Primary Cardholder: Must be between 18 and 70 years old.
    • Add-On Cardholders: Minimum age 18 years; no upper age limit specified.
    • Ensures applicants are legally capable and financially mature.
  • 2. Income Criteria
    • Minimum Annual Income: ₹12 lakh (for both salaried and self-employed individuals).
    • Salaried: Gross monthly income of ₹1 lakh, supported by salary slips/Form 16.
    • Self-Employed: ₹12 lakh annual income as per ITR after business expenses.
    • Add-on cardholders are not required to meet income criteria.
  • 3. Credit Score and Financial History
    • Minimum CIBIL Score: 750 or above is preferred.
    • Applicants must not have recent defaults, missed payments, or bankruptcies.
    • Good repayment history and credit utilization improve approval chances.
  • 4. Employment Status
    • Salaried Individuals: Minimum 1 year with current employer; income stability required.
    • Self-Employed: Minimum 2 years in current business/profession with stable income backed by ITR and audited financials.
  • 5. Nationality and Residency
    • Resident Indians: Must provide proof of Indian residence (e.g., Aadhaar, utility bill).
    • NRIs: Eligible if they have an Indian address and verifiable income from India. Additional documents like passport and visa required.
  • 6. Existing Banking Relationship
    • Existing Bank of Baroda customers (savings, FD, loans, etc.) have better approval chances.
    • New customers undergo standard eligibility verification.
    • High-value BoB clients may receive pre-approved offers.
  • 7. Permanent Address Verification
    • Applicants must have a verifiable permanent residential address in India.
    • Utility bill, Aadhaar, or property documents may be required as proof.
  • 8. Contactability and Communication
    • Applicants must provide a working mobile number and email ID.
    • Telephonic verification may be conducted before approval.
  • 9. KYC Compliance
    • Mandatory compliance with Know Your Customer (KYC) guidelines.
    • Submission of PAN card and address proof is essential.
  • 10. PAN Card Requirement
    • Having a valid PAN card is mandatory for all credit card applicants.
    • Helps validate identity, tax status, and financial background.
  • 11. Financial Documentation Consistency
    • All documents (salary slips, ITRs, statements) must reflect consistent financial data.
    • Discrepancies may lead to rejection or delay in processing.
  • 12. No History of Loan/Credit Card Default
    • Applicants with prior loan/credit defaults may be denied approval.
    • Clearance certificates or improved credit history can help reapply.
  • 13. Address Stability
    • At least 1 year of residence at the current address is recommended.
    • Frequent relocations may require additional verification.
  • 14. Nature of Employment
    • Applicants working in stable sectors (IT, healthcare, PSU) may have an advantage.
    • Freelancers or gig workers may need to furnish stronger income proofs.
  • 15. Debt-to-Income Ratio (DTI)
    • Lower DTI (ideally below 40%) improves approval chances.
    • High EMI burdens can negatively affect credit card eligibility.
  • 16. Utility Payment Track Record
    • Regular payment of utility bills and rent may be considered as a sign of financial discipline.
    • Helps build creditworthiness if credit history is limited.
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Documents Required for Bank of Baroda Eterna Credit Card

  • 1. Identity Proof (Any One):
    • PAN Card: Mandatory for all credit card applications to link with tax records.
    • Aadhaar Card: Widely accepted; must be linked to a mobile number for OTP verification.
    • Passport: Especially valid for NRIs or applicants with travel history.
    • Driving License: Accepted if valid and includes photo and DOB.
    • Voter’s ID Card: Accepted as an alternate identity document.
  • 2. Address Proof (Any One, Recent):
    • Aadhaar Card: Must reflect current address; mandatory for existing BoB customers.
    • Passport: Accepted if it shows the current residential address.
    • Driving License: If current address is printed and license is valid.
    • Voter’s ID Card: Can be used if it reflects current address.
    • Utility Bills: Electricity, water, gas, or telephone bills not older than 3 months.
    • Rental Agreement: Registered agreement, ideally with recent utility bill.
  • 3. Income Proof:
    • For Salaried Individuals:
      • Last 2 months’ salary slips.
      • Last 2 months’ bank statements showing salary credits.
      • Form 16 issued by employer for latest financial year.
    • For Self-Employed Individuals:
      • ITR for last 2 years (showing income ₹12 lakhs+ preferred).
      • Audited financial statements: P&L and balance sheet.
      • Bank statements of business account for last 6 months.
  • 4. Additional Documents for NRIs:
    • Valid Passport (with visa/work permit pages).
    • Proof of Overseas Address (utility bill or foreign bank statement).
    • Indian Address Proof (Aadhaar, rental agreement, or utility bill).
    • Income Proof (foreign salary slips, NRE/NRO account statements).
  • 5. Photographs:
    • Two to three recent passport-sized color photographs.
    • Digital upload accepted for online application.
  • 6. Submission Tips:
    • Ensure all documents are valid, legible, and recent (within 3–6 months).
    • Use high-quality scans or photos for digital uploads.
    • Name and address must match across submitted documents.
    • Aadhaar-linked mobile is necessary for OTP-based authentication.
    • NRIs should ensure both local and overseas address proofs are included.

Factors Influencing Approval of Bank of Baroda Eterna Credit Card

  • Credit Score and History:

    A CIBIL score of 750+ is typically required. Timely payments, low credit utilization (below 30%), a healthy credit mix, and fewer hard inquiries improve approval chances.

  • Recent Defaults:

    Any missed payments or defaults in the past 12–24 months can result in rejection. Ensure credit health is maintained before applying.

  • Income Requirements:

    A minimum annual income of ₹12 lakhs is mandatory. Higher incomes (e.g., ₹20 lakhs) greatly increase approval odds. Proof of stable income is critical.

  • Income Stability:

    Salaried applicants should have at least 1 year of consistent employment; self-employed applicants should have 2+ years of profitable operations.

  • Debt-to-Income (DTI) Ratio:

    DTI below 40% is ideal. For example, if you earn ₹1.5 lakh monthly and have EMIs worth ₹30,000, your DTI is 20%, which is favorable.

  • Employment/Business Stability:

    Applicants from reputed firms (e.g., TCS, Infosys) or long-running businesses are preferred due to perceived income reliability.

  • Existing Relationship with BoB:

    Existing savings accounts, FDs, or prior loan history with BoB can boost your chances. Pre-approved offers may be available for long-term customers.

  • Document Accuracy and Completeness:

    Ensure application forms are filled correctly and documents are up-to-date. Mismatched or missing information can delay or result in rejection.

  • Regulatory & Economic Factors:

    BoB must adhere to RBI norms. During uncertain economic conditions, approval may tighten, favoring high-credit-score applicants.

  • Age Criteria:

    Applicants should typically be between 21 to 65 years old. Younger applicants with steady income or older applicants nearing retirement may undergo stricter scrutiny.

  • Residential Stability:

    Living at the same address for at least one year strengthens your profile. Ownership of residence is preferred over rental arrangements.

  • Existing Credit Card Usage:

    Responsible usage of other credit cards, such as consistent bill payments and low utilization ratios, can support your application.

  • Credit Card Enquiries:

    Multiple recent applications or enquiries for credit cards or loans within a short period (3–6 months) can negatively impact approval chances.

Frequently Asked Questions (FAQs) - Bank of Baroda Eterna Credit Card

1. What is the Bank of Baroda Eterna Credit Card?
The Bank of Baroda Eterna Credit Card is a premium lifestyle credit card offering a range of exclusive benefits including accelerated reward points, complimentary lounge access, discounts on travel, dining, and entertainment, along with insurance and golf privileges.
2. What are the key features of the Eterna Credit Card?
  • Reward Points: 10 RP/₹150 on dining, travel & international spends; 4 RP/₹150 on other retail spends.
  • Airport Lounge Access: Unlimited domestic access + 4 complimentary international visits per quarter.
  • Fuel Surcharge Waiver: Waiver on fuel transactions (terms apply).
  • Golf Benefits: Access to premium golf courses.
  • Dining & Travel Discounts: Special offers on flights, hotels, and restaurants.
3. What is the annual fee for the Eterna Credit Card?
The annual fee is ₹2,500 + GST. However, it can be waived off on spending ₹3 lakhs or more in the previous year.
4. How can I redeem reward points?
Reward points can be redeemed through the Bank of Baroda Rewards Portal for air miles, merchandise, gift vouchers, or cashback.
5. Does the Eterna Credit Card offer airport lounge access?
Yes, the card offers unlimited complimentary domestic airport lounge access and up to 4 international lounge visits per quarter through Priority Pass or DreamFolks.
6. Is there a joining fee for this card?
Yes, there is a one-time joining fee of ₹2,500 + GST. However, promotional offers may occasionally waive this fee.
7. What is the interest rate and credit limit?
The interest rate is typically 3.25% per month (approx. 39% p.a.). The credit limit is assigned based on your income and credit profile.
8. Does the card offer insurance benefits?
Yes, it includes several insurance benefits such as:
  • Air accident cover of up to ₹1 crore
  • Lost card liability protection
  • Purchase protection cover
9. How can I apply for the Eterna Credit Card?
You can apply online via the Bank of Baroda’s official website, through net banking, or by visiting a branch. Applicants should have a credit score of 750+ and a minimum annual income of ₹6 lakhs.
10. What are the foreign currency markup fees?
A 3.5% foreign currency markup fee is applicable on international transactions, which is standard for premium credit cards.

List of Bank of Baroda Eterna Credit Card Branches in Karnataka

  • Karnataka - Bangalore - Hennur Road Branch
  • Karnataka - Bangalore - Hoskote Branch
  • Karnataka - Bangalore - HSR Layout Branch
  • Karnataka - Bangalore - Indiranagar Branch
  • Karnataka - Bangalore - J.C. Road Branch
  • Karnataka - Bangalore - Jayanagar Branch
  • Karnataka - Bangalore - Jeevan Bima Nagar Branch
  • Karnataka - Bangalore - JP Nagar Branch
  • Karnataka - Bangalore - Kalyan Nagar Branch
  • Karnataka - Bangalore - Kammanahalli Branch
  • Karnataka - Bangalore - Kasturi Nagar Branch
  • Karnataka - Bangalore - Koramangala Branch
  • Karnataka - Bangalore - Kothanur Branch
  • Karnataka - Bangalore - Kumara Park East Branch
  • Karnataka - Bangalore - Langford Road Branch
  • Karnataka - Bangalore - Lavelle Road Branch
  • Karnataka - Bangalore - M.G. Road Branch
  • Karnataka - Bangalore - Mahalakshmi Layout Branch
  • Karnataka - Bangalore - Malleswaram Branch
  • Karnataka - Bangalore - Marathahalli Branch