Credit Cards · Honest Review
Bank of Baroda ETERNA Credit Card
Bank of Baroda · Visa
Your Verdict
- ✓5X reward points on travel and dining
- ✓3X reward points on online shopping
- ✓8 lounge visits per year (domestic + international)
- ✓Complimentary golf rounds and lessons
- ✓₹2,499 annual fee waived at ₹3L spend
What Bank of Baroda ETERNA Credit Card costs you
Bank of Baroda ETERNA Credit Card carries a ₹2,499 annual fee and a ₹2,499 one-time joining fee. The annual fee is waivable: Spend ₹3L/year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹2,499 |
| Joining fee (one-time) | ₹2,499 |
| Fee waiver condition | Spend ₹3L/year |
| Spend required for waiver | ₹3,00,000 / year |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
Bank of Baroda ETERNA Credit Card earns 1.50% on all eligible spends as a base reward rate, with accelerated rates on travel & flights, dining & food, online shopping and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.50% |
| ✈️ Travel & Flights | 5% |
| 🍽️ Dining & Food | 5% |
| 🛒 Online Shopping | 3% |
10,000 reward points on first spend
Reward types: Points
Beyond the reward rate
The non-reward benefits on Bank of Baroda ETERNA Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for Bank of Baroda ETERNA Credit Card
Bank of Baroda ETERNA Credit Card requires a minimum net monthly income of ₹1,00,000 for salaried applicants. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹1,00,000 |
| CIBIL score | Not specified — clean history expected |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get Bank of Baroda ETERNA Credit Card
- → Heavy spenders on travel & flights who want 5% back
- → Heavy spenders on dining & food who want 5% back
- → Frequent travelers who value airport lounge access
- → Moderate spenders who can clear the fee waiver condition
Bank of Baroda ETERNA Credit Card — Questions answered
What is the annual fee for Bank of Baroda ETERNA Credit Card?
What is the minimum income required for Bank of Baroda ETERNA Credit Card?
What is the reward rate on Bank of Baroda ETERNA Credit Card for travel & flights?
Does Bank of Baroda ETERNA Credit Card provide airport lounge access?
How do I get the annual fee waived on Bank of Baroda ETERNA Credit Card?
How long does it take to get Bank of Baroda ETERNA Credit Card approved?
Answer 7 questions about your income, spending, and goals — our engine scores every card against your exact situation and gives you one recommendation.
Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.