The Eterna Credit Card by BOBCARD is a premium offering designed for high-value users. It comes with a complimentary FitPass Pro membership and 10,000 bonus reward points as a welcome gift, effectively covering the joining fee of ₹2,499 + GST.
This card offers a wide range of benefits, including unlimited domestic lounge access, accelerated rewards on dining, and air accident insurance coverage of ₹1 crore, along with several other premium features. Cardholders can earn 15 reward points for every ₹100 spent on online, travel, dining, and movie purchases. Additionally, the foreign currency markup fee is just 2%, which is lower compared to most other premium cards.
Accelerated Rewards: Earn 15 Reward Points for every ₹100 spent on online shopping, travel, dining, movies, and international transactions. Maximum 5,000 points per statement cycle.
Standard Rewards: Earn 3 Reward Points for every ₹100 spent on all other eligible categories, including utility bill payments like electricity, gas, and water.
Exclusions: No Reward Points are earned on fuel purchases.
Reward Redemption
Redeem points as cashback against your credit card statement balance.
Use points for various redemption options like hotel, flight, or movie tickets, mobile recharge, shopping, and more via the BOBCARD reward portal.
Value: 1 Reward Point = ₹0.25.
Minimum 1,000 Reward Points required for redemption.
Other Features and Benefits
Welcome Benefit
Complimentary FitPass Pro Membership worth ₹15,000.
Milestone Spend Benefits
10,000 bonus points on spending ₹50,000 within 60 days of card issuance.
20,000 bonus points on spending ₹5 lakh in a year.
Lounge Access
Free unlimited domestic lounge access on spending ₹40,000 in the previous quarter.
Fee Waiver
Joining fee waived on spending ₹25,000 in the first 60 days.
Annual fee waived on spending ₹2.5 lakh or more in a year.
Forex Mark-up Fee
Only 2% on foreign transactions.
Movie Offer
Buy 1 Get 1 Free movie ticket via Paytm Movies (maximum discount ₹250 on the second ticket).
Insurance Cover
Personal Accidental Air Death: ₹1 crore
Personal Accidental Non-Air Death: ₹10 lakh
Fuel Surcharge Waiver
1% waiver on fuel spends of ₹400 or more (maximum ₹250 per month).
0 Liability on Lost Card
No liability for fraudulent transactions on reported lost cards.
Fees and Charges
Type of Fees or Charge
Amount
Joining Fee
Rs. 2,499
Annual Fee
Rs. 2,499
Cash Withdrawal Charges
2.5% / Min. Rs. 500
Finance Charge
3.49% p.m. | 41.88% p.a.
Cheque Return Charges
Min. Rs. 300 | 2% of the amount
Foreign Currency Transaction Fee
2% of the transaction amount
Unblocking Charge
Rs. 300
Late Payment Charges
Amount less than Rs. 100 – Nil Amount between Rs. 100 and Rs. 500 – Rs. 100 Amount between Rs. 501 and Rs. 1,000 – Rs. 400 Amount between Rs. 1001 and Rs. 10,000 – Rs. 600 Amount between Rs. 10,001 and Rs. 25,000 – Rs. 800 Amount Greater than Rs. 25,000 – Rs. 950
High joining fee (₹2,499 + GST), though partially offset by welcome benefits.
Rewards are not earned on fuel and wallet transactions.
Annual fee is waived only after meeting spend thresholds.
Bank of Baroda Credit Card Contact Details
Contact Address: BOB Financial Solutions Ltd. 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S. V. Road, Jogeshwari (West), Mumbai – 400102, Maharashtra, India
Bank of Baroda
Airport Lounge Access
Fuel
Reward
