BOBCARD ETERNA Credit Card
Bank of Baroda
Annual Fee
FREE
Joining Fee
₹2,499 + GST
Base Reward
3.75% points
Foreign Markup
2%
Fee Waiver
Joining fee waived on spending ₹25,000 in the first 60 days
Interest Rate
3.25% per month
Welcome Benefits
6-Month FitPass Pro Membership Worth ₹15,000 and 10,000 Bonus Reward Points
Product Highlights
- Unlimited Domestic Airport Lounge Access
- 15 Reward Points for every ₹100 spent on online, travel, dining, and movie purchases
- 6-Month FitPass Pro Membership as a welcome gift
Rewards
Earn 15 Reward Points for every ₹100 spent on online shopping, travel, dining, and movie purchases. Earn 3 Reward Points for every ₹100 spent on other eligible spends.
Redemption
Reward Points Are Redeemable as Cashback at a Rate of 1 RP = ₹0.25
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 15%(15 Reward Points/₹100) | No cap |
dining | 15%(15 Reward Points/₹100) | No cap |
entertainment | 15%(15 Reward Points/₹100) | No cap |
other | 3%(3 Reward Points/₹100 on Other Eligible Spends) | No cap |
Benefits & Features
Domestic: Unlimited Domestic Airport Lounge Access (Spends of ₹40,000 in the Previous Quarter) International: N/A Unlimited complimentary lounge access at domestic airports across India.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
65 years
Min Income (Salaried)
₹12,00,000
Min Income (Self-Employed)
₹12,00,000
Available Networks
Pros & Cons
Pros
- Offers both a joining and an annual fee spend-based waiver
- Air Accident Death Cover of ₹1 crore
Cons
- Unlimited domestic airport lounge access requires spending ₹40,000 or more
- Golf Games and Lessons were removed from benefits
Additional Info
Maximum of 5,000 reward points per statement cycle at accelerated rates.
Excluded Categories