Bank of Baroda Eterna Credit Card
Bank of Baroda · Mastercard
Why this card?
- 3.75% back in reward points on online shopping, dining and food delivery, travel and international spends, up to ₹1,250 a month; 0.75% on other spends
- ₹2,499 annual fee; renewal fee waived on ₹2.5 lakh yearly spend
- Unlimited domestic airport lounge access
- 1% fuel surcharge waiver
Card details
- Issuer
- Bank of Baroda
- Network
- Mastercard
- Annual Fee
- ₹2,499
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 3.75% on online shopping (capped at ₹1250/month)
- Forex Markup
- 2%
- Domestic Lounge
- Unlimited
- Min. Monthly Income
- ₹1,00,000
- Rates verified
- 2026-10-06
Our verdict
Bank of Baroda Eterna offers unlimited domestic lounge access (subject to ₹75,000 spend in the preceding calendar quarter), about 3.75% back as points on dining, travel, online and international spends (up to ₹1,250 a statement cycle), and a 2% forex markup. The annual fee is ₹2,499, waived at ₹2.5 lakh spend, and the card requires a monthly income of ₹1 lakh. A good card for BOB bank customers who travel regularly within India.
Pros
- Unlimited domestic lounge visits, subject to the preceding-quarter spend criterion
- About 3.75% back as points on dining, travel, online and international spends, capped at ₹1,250 a cycle
- Fee waived at ₹2.5 lakh annual spend, plus a fuel surcharge waiver
- 2% forex markup — below the Indian card average
Cons
- ₹2,499 annual fee and a ₹1 lakh monthly income requirement
- No reward points on fuel spends
- Finance charge of 3.75% a month
- Bank of Baroda's app and digital banking experience lags behind HDFC and ICICI