Bank of Baroda Eterna Credit Card

Elevate every transaction into a delightful experience with the Bank of Baroda Eterna Credit Card. Tailored for high achievers, this card embodies exclusive lifestyle perks and impeccable taste. Whether indulging in top-notch travel, dining at exquisite restaurants, or enjoying a shopping spree, the Eterna Card ensures each experience is unforgettable. Offered by BOB Financial, a wholly-owned subsidiary of Bank of Baroda, this premium card includes a complimentary FitPass Pro membership, a welcome gift of 10,000 bonus reward points, and a range of premium features. From unlimited free domestic lounge access to complimentary golf sessions and air accidental insurance cover worth Rs. 1 crore, the Eterna Card provides a wealth of benefits for those who appreciate the finer things in life.

Key Highlights of Bank of Baroda Eterna Credit Card

Unlock unparalleled benefits with the Bank of Baroda Eterna Credit Card.

  1. Earn 15 reward points for every Rs.100 spent on online shopping.
  2. Enjoy a 1% fuel surcharge waiver at all fuel stations across India.
  3. Receive a bonus of 20,000 reward points when your annual expenses surpass Rs.5 lakh.

Features and Benefits of Bank of Baroda Eterna Credit Card

The Bank of Baroda Eterna Credit Card offers several features and benefits:

1. Welcome Benefit:

  • FitPass Pro Membership worth Rs. 15,000.

2. Rewards Program:

  • Earn 3 Reward Points per Rs. 100 spent.
  • Gain 15 Reward Points per Rs. 100 spent on travel, international transactions, dining, online shopping.
  • Each 4 Reward Points are equivalent to Re. 1.

3. Milestone Spend Benefits:

  • Receive 10,000 bonus reward points on spending Rs. 50,000 within 60 days of card issuance.
  • Obtain 20,000 bonus reward points on spending Rs. 5 lakh in a year.

4. Lounge Access:

  • Enjoy free unlimited domestic lounge access.

5. Fee Waiver:

  • Avail joining fee waiver by spending Rs. 25,000 in the first 60 days.
  • Achieve an annual fee waiver for the next year by spending Rs. 2.5 lakhs or more in a year.

6. ForEx Mark-up Fee:

  • Benefit from a low 2% fee on foreign transactions.

7. Mastercard Priceless Specials:

  • Access 250+ deals on dining, exclusive offers on hotels, resorts, and partner golf courses.

8. Movie Offer:

  • Get Buy 1 Get 1 Free Movie ticket on Paytm movies, with a maximum discount of Rs. 250 on the second ticket.

9. Insurance Cover:

  • Personal Accidental Air Death Cover of Rs. 1 crore.
  • Personal Accidental Non-Air Death Cover of Rs. 10 lakh.

10. Fuel Surcharge Waiver:

  • Enjoy a 1% Fuel Surcharge waiver on fuel spends of Rs. 400 or more, with a maximum waiver of Rs. 250 per month.

11. 0 Liability on Lost Card:

  • No liability for reported lost cards regarding fraudulent transactions.

Bank of Baroda Eterna Credit Card Fees and Charges

Explore the fee structure for the Bank of Baroda Eterna Credit Card and discover the financial advantages that come with it.

1. First Year Fee:

  • Primary: ₹2499
  • Add-on: NIL

2. Annual Fee:

  • Primary: ₹2499
  • Add-on: NIL

3. First Year Waiver:

  • Get joining fee waiver on spending ₹25,000 within the first 60 days of card setup.
  • Fee reversal in the 4th bill statement, given all due payments are made.

4. Subsequent Year Fee Waiver:

  • Spend ₹2.5 Lakhs or more in a year for an annual fee waiver.
  • Applicable only to non-delinquent credit card holders.

Eligibility Criteria for Bank of Baroda Eterna Credit Card

Here are essential criteria for applying for an Bank of Baroda Eterna Credit Card:

  1. The main cardholder should be aged between 21 and 65 years.
  2. Add-on cardholders must be at least 18 years old.
  3. Applicants, whether salaried or self-employed, should have an annual income of ₹12 Lakhs or more.
  4. The applicant should be a resident of India.

Documents Required for Bank of Baroda Eterna Credit Card

To apply for the Bank of Baroda Eterna Credit Card, you will typically need to provide the following documents:

Proof of Identity:

  • Essential: PAN card
  • Additional options: Aadhaar Card, Voter ID card, Passport, Driving Licence

Address Proof:

  • Acceptable documents: Aadhaar Card, Voter ID card, Passport, Driving Licence, Utility Bills, Property or Municipal Tax receipt, Rent Agreement, House allotment letter by State or central government

Income Proof:

1. For Salaried Individuals:

  • Last 2 months’ salary slip
  • Bank statement reflecting salary credits

2. For Self-employed Individuals:

  • Latest Income Tax Return (ITR)

How to apply for Bank of Baroda Eterna Credit Card

Applying for Bank of Baroda Eterna credit card offers both online and offline options.

  1. Offline application: Visit the nearest Bank of Baroda branch with necessary documents and complete a physical application form.
  2. Online application steps:

Step 1: Go to www.bobfinancial.com/prime.jsp
Step 2: Choose the Bank of Baroda Eterna credit card.
Step 3: Click on “Apply Now.”
Step 4: Fill in all the required details in the digital application form.
Step 5: Fulfill all necessary formalities on the bank’s website to complete the application process.

Frequently Asked Questions (FAQs)

1. What is Bank of Baroda Eterna Credit Card?

Bank of Baroda Eterna Credit Card is a premium credit card that offers a range of exclusive benefits and privileges, including rewards, lifestyle benefits, and more.

2. How can I apply for Bank of Baroda Eterna Credit Card?

You can apply for the Eterna Credit Card online through the Bank of Baroda official website or by visiting a Bank of Baroda branch. Ensure you meet the eligibility criteria and provide the necessary documents.

3. What are the eligibility criteria for Bank of Baroda Eterna Credit Card?

Eligibility criteria typically include age, income, credit score, and other factors. Specific details can be found on the Bank of Baroda website or by contacting their customer service.

4. What are the key features of Bank of Baroda Eterna Credit Card?

The Eterna Credit Card offers features such as reward points, airport lounge access, insurance coverage, concierge services, and special discounts on dining, shopping, and travel.

5. How does the rewards program work on Bank of Baroda Eterna Credit Card?

The card accrues reward points for every eligible transaction. These points can be redeemed for various rewards, including merchandise, vouchers, or statement credit. The details of the rewards program are available in the card’s terms and conditions.

6. Is there an annual fee for Bank of Baroda Eterna Credit Card?

Yes, the Eterna Credit Card may have an annual fee. The exact fee structure, including any waivers or conditions, can be obtained from the Bank of Baroda website or customer service.

7. How can I check my Bank of Baroda Eterna Credit Card statement?

You can access your Eterna Credit Card statement through the Bank of Baroda internet banking portal or mobile app. Additionally, statements are sent to the registered email address.

8. What is the credit limit on Bank of Baroda Eterna Credit Card?

The credit limit is determined by the bank based on various factors, including your income, credit history, and repayment capacity. You can check your assigned credit limit on your monthly statement or by contacting customer service.

9. How can I contact customer support for Bank of Baroda Eterna Credit Card?

Customer support can be reached through the Bank of Baroda website, helpline numbers, or by visiting a local branch. The contact details are usually provided on the official website.

10. Can I upgrade or downgrade my Bank of Baroda Eterna Credit Card?
The possibility of upgrading or downgrading your credit card depends on the bank’s policies. You can inquire about this with the bank’s customer service or visit a branch for more information.