BOBCARD Eterna credit card

BOBCARD Eterna

Bank of Baroda · Mastercard

BOBCARD Eterna is Bank of Baroda's premium credit card with high rewards on travel, dining, and online spends plus domestic lounge access.

Annual Fee

₹1,000

Waived at ₹2.0L spend

Joining Fee

₹1,000

Base Reward Rate

4X

₹0.5/pt

Min CIBIL

710

₹4L+ income

Key Features

Premium Bank of Baroda card with elevated earn rates
10X reward points on travel, dining and international spends
3X on all other spends
4 complimentary domestic lounge visits per quarter
2 international lounge visits via Priority Pass
Comprehensive travel insurance
Annual fee partially offset by milestone vouchers
Concierge service for travel and dining

Welcome Benefits

✓

₹1,000 Gift Voucher on Joining

Receive a ₹1,000 gift voucher on card activation and paying the joining fee

✓

Complimentary Priority Pass Membership

Immediate Priority Pass access for international lounge access at 1,300+ airports worldwide

Reward Rates by Category

Dining

5X

Travel

5X

Online

4X

Shopping

4X

Grocery

4X

Fuel

2X

Utilities

1X

Other

3X

Partner Earn Rates

PartnerCategoryEarn Rate
International SpendsInternational10X
Travel PortalsTravel10X
Fine DiningDining10X

Milestone Benefits

₹2.0 L

₹1,500 Gift Voucher

Earn ₹1,500 gift voucher on ₹2 lakh annual spend

Annual

₹4.0 L

Annual Fee Waiver + ₹3,000 Voucher

Spend ₹4 lakhs to waive the annual fee and earn ₹3,000 in vouchers

Annual

Airport Lounge Access

Domestic

4 visits/year

International

1 visits/year

Insurance & Protection

Air Accident Cover

When travel booked on card

₹1 Crore

Overseas Medical Insurance

Emergency medical on international trips

USD 25,000

Purchase Protection

Covers purchases 90 days

Up to ₹1 Lakh

Zero Liability

Report promptly

100% fraudulent charges

Pros

  • High rewards on travel & dining
  • Domestic lounge access
  • Welcome bonus points
  • Annual fee waived on spend
  • Fuel surcharge waiver

Cons

  • Limited international lounge access
  • Bank of Baroda has fewer premium partnerships
  • Annual fee not cheap

Frequently Asked Questions

What earn rate on international spends?+
10X reward points on all foreign currency transactions — best earn category on this card.
Lounge access?+
4 complimentary domestic lounge visits per quarter and 2 international visits via Priority Pass annually.
How to redeem reward points?+
Via Bank of Baroda rewards portal for vouchers, merchandise, flights or transfer to partner programmes.
Annual fee?+
₹2,500 approximately. Waived on ₹4 lakh annual spend.
Is it good for travel?+
Yes — 10X on travel and international spends, Priority Pass lounge access and comprehensive travel insurance make it a solid travel card.

Ready to apply?

Apply on the Bank of Baroda website. Usually takes 10 minutes.

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BOBCARD Eterna

₹1,000/yr · 4X rewards