Bob Eterna Credit Card Review – Is It Worth in 2025
The Bob Eterna Credit Card from Bank of Baroda is designed for people who want strong rewards, travel benefits, and premium privileges without paying sky-high fees. This detailed review walks through everything you need to know, including features, eligibility fees, rewards, and whether this card is actually worth your time. If you are trying to decide whether to apply this guide breaks it down in a simple conversational way.
Disclaimer: This article is for informational purposes only. Credit card benefits and terms may change, so you should always check the official Bank of Baroda website or contact customer support before applying.
Overview of Bob Eterna Credit Card
The Bank of Baroda Eterna Credit Card is a Visa Signature credit card launched in 2018. It is a premium credit card meant for high-end customers who frequently use credit cards for purchases and expenses.
Some of the key highlights of the Bob Eterna Credit Card are:
- Provides a maximum credit limit of Rs. 20 lakhs based on eligibility
- Offers 8 reward points per Rs. 200 spent on retail purchases
- 1% fuel surcharge waiver on fuel transactions
- Offers complimentary airport lounge access
- Provides lost card liability cover of Rs. 1 lakh
- Annual fees – Rs. 5000 + GST
The card is targeted towards premium customers like business owners, CEOs, entrepreneurs, etc., who have high credit card expenses every month. The card aims to provide exceptional rewards and luxury experiences to such customers.
Benefits ofthe Bob Eterna Credit Card
Here are some of the main benefits offered by the Bank of Baroda Eterna Credit Card:
- High Reward Points
The Bob Eterna Credit Card offers 8 reward points for every Rs. 200 spent. This means for Rs. 1000 spent on the card, you get 40 reward points credited to your account.
The earnings are higher compared to many other credit cards in India. You can accumulate points quickly and redeem them for exciting rewards.
- Complimentary Airport Lounge Access
This is a Visa Signature credit card, so you get complimentary access to airport lounges in India. Currently, the Eterna card offers 2 complimentary lounge visits per quarter to eligible cardholders.
The lounge visits are subject to availability and can be accessed at participating lounges only. Still, it adds great value if you frequently travel by air.
- 1% Fuel Surcharge Waiver
On fuel transactions, most credit cards charge a surcharge of 2.5% of the transaction value. But with the Bob Eterna card, you get a surcharge waiver of 1% on fuel purchases.
So instead of 2.5%, you only pay 1.5% as a fuel surcharge, which results in good savings if you spend a lot on fuel.
- High Credit Limit
Based on your eligibility, you can get a credit limit of up to Rs. 20 lakh on this card. This high limit allows you to make large purchases and payments conveniently on your card.
Many premium cards max out at a Rs. 10 lakh limit, but the Bob Eterna card goes up to Rs. 20 lakh if you meet the eligibility criteria.
- Lost Card Liability Cover
This card comes with lost card liability cover of Rs. 1 lakh. So if your card gets lost or stolen, your liability is limited to only transactions made in the first 24 hours or up to Rs. 1 lakh, whichever is lower.
This provides peace of mind and protects you from unlimited liability in case of card misuse. You have to report the loss as soon as you notice it for this benefit to apply.
- Premium Cards and Services
As a premium card, the Bob Eterna Credit Card offers a range of luxury services like complimentary domestic and international concierge assistance, signature valet services, and so on.
You also get exclusive golf program access along with special offers at luxury hotels, dining, and shopping brands. The card is crafted from metal and looks premium.
Drawbacks of the Bob Eterna Credit Card
While the card does come with great rewards and benefits, there are some downsides to consider:
- Annual fees– At Rs. 5000, the annual fees on this card are quite high. It may not seem a value for money for average credit card users.
- High eligibility criteria– You need a high income, credit score, and spending patterns to get approval and a high credit limit on this card.
- Limited acceptance– Being a premium card, the Bob Eterna Credit Card has limited acceptance at merchants compared to mass-market cards.
- Lounge access restrictions– The lounge visits are subject to availability and limited to specific lounges only. So you may not always get lounge access when required.
How to Apply for the Bob Eterna Credit Card?
Here are the key steps to apply for this credit card:
- Visit the Bank of Baroda website or branch. You can also apply directly on the Bob Eterna Credit Card page online.
- Click on the ‘Apply Now’ button and provide your basic personal and income details.
- You will need documents like ID proof, address proof, and passport-size photos. PAN and the previous year’s ITR may be required, too.
- Based on your profile, a representative will contact you for further processing and submission of documents.
- The application will undergo credit bureau approval, verification, and other checks.
- Once approved, you will receive the Bob Eterna Credit Card directly at your mailing address within 7-10 days.
Eligibility Criteria for Bob Eterna Credit Card
Only select customers are eligible for this premium credit card. Here is an overview of the eligibility criteria:
- Age – Minimum 21 years up to 65 years
- Income – Minimum gross annual income of Rs. 15 lakhs
- Employment – Salaried or self-employed in top MNCs, corporates, enterprises
- Credit score – 750+ credit score recommended
- Existing cardholder – Should have had a credit card for at least 6 months
So this card is mainly targeted at very affluent customers with an elite profile and high credit card spending ability. Average customers may not meet the eligibility norms.
Fees on Bob Eterna Credit Card
Here are the key fees applicable to the Bank of Baroda Eterna Credit Card:
- Joining fees – Rs. 5000 + GST
- Annual fees – Rs. 5000 + GST
- Add-on card fees – Rs. 2000 + GST
- Cash advance fees – 2.5% or Rs. 500, whichever is higher
- Late payment fees – Up to Rs. 800 per instance
- Overlimit charges – 2.5% on the amount over the limit (min Rs. 500)
- Foreign currency transaction – 3.5% markup on exchange rates
- Fuel surcharge – 1.5% waived off, so effective 1.5%
- Service tax and other charges as applicable
While the fees are higher than average cards, the rewards and benefits outweigh the charges for premium card users. But evaluate the fees based on your usage and expenses.
How to Redeem Bob Eterna Credit Card Reward Points?
The reward points earned on the Bob Eterna Credit Card can be redeemed in two ways:
- For statement credits– On accumulating points, you can redeem for statement credits to your card account. 1 point = 0.25 paise. So 4000 points = Rs. 1000 statement credit. Minimum redemption is Rs. 2000.
- Against exciting rewards– You can redeem points for premium rewards like electronics, appliances, travel packages, hotel stays, tickets, and so on. A wide redemption catalogue is available.
You can check your reward points balance and redeem them online by logging into your card account or via the Bank of Baroda mobile app. Do note that redeeming for rewards usually gives better value than statement credit redemption.
Bob Eterna Credit Card Verdict
The Bob Eterna Credit Card makes for a good premium card with attractive rewards, lounge access, and luxury privileges. If you have a high credit score and income, spend over Rs. 6-8 lakhs annually via credit cards, and can justify the high fees, this card will provide maximum value.
For average card users, this card may not offer the best experience, given the high annual fees and premium positioning. Cards like SBI Elite and HDFC Diners Black fit better for mid-range consumers. But for ultra HNI customers, the Bob Eterna Credit Card stands out with its premium services, excellent rewards, and luxury privileges.
FAQs
Here are some common questions answered about the Bank of Baroda Eterna Credit Card:
- What is the minimum income eligibility for the Bob Eterna card?
The minimum gross annual income required is Rs. 15 lakhs to be eligible for this card. Applicants should be working in senior management, business ownership, or self-employed professional. roles
- Is there a processing fee or joining fee for the card?
Yes, there is a one-time joining and processing fee of Rs. 5000 plus taxes for new Bob Eterna Credit Card applicants.
- Can existing Bank of Baroda customers upgrade to this card?
Yes, existing privileged Bank of Baroda customers can request an upgrade to this premium card by submitting relevant documents and subject to eligibility.
- How is the credit limit assigned on the Bob Eterna card?
The credit limit is assigned based on the income, credit score, and overall profile of the applicant. It can range from Rs. 1 lakh to Rs. 20 lakhs based on your eligibility.
- Are add-on or supplementary cards available with the Bob Eterna card?
Yes, you can request up to 2 complimentary add-on cards on your Bob Eterna credit card account by paying Rs. 2000 + GST per add-on card. The add-on cards get similar rewards and privileges.
- Can the reward points earned ever expire?
Yes, the reward points earned on the card have an expiration of 3 years from the date of earning if not redeemed. To avoid expiry, you should redeem the accumulated points within 3 years.
- What are the charges for international transactions?
A 3.5% markup on the base exchange rate is applied for all international transactions on the Bob Eterna Credit Card. Other charges, like surcharges, may apply in certain cases.
- How do I report a lost Bob Eterna credit card?
You can instantly report your lost or stolen Bob Eterna Credit Card by calling th24/7×7 Bank of Baroda credit card helpline or by logging into your account online and reporting card loss. It ensures quick blocking of your card.
- Will I get free airport lounge access with add-on cards, also?
The complimentary airport lounge access provided on the Bob Eterna Credit Card is only for the primary cardholder. Add-on or supplementary cardholders do not get free lounge visits unless paying the access fees.
Conclusion
The Bob Eterna Credit Card by Bank of Baroda is a truly premium card with lucrative rewards, fee waivers, and upscale privileges for affluent customers. It offers maximum value if you have an elite income and credit profile with sizeable monthly credit card spends.
But it comes at high annual fees, which can only be justified by premium cardholders. For an average consumer, this card may be high-priced relative to the benefits. So, evaluate your credit card usage before choosing this card. Pre-qualification eligibility checks are also a must.
That said, if you frequently travel abroad or domestically by air, have multiple high-end cards, and wish to enjoy luxury privileges, the Bob Eterna Credit Card hits the sweet spot. The high credit limit also brings convenience to HNI customers. Overall, a worthwhile premium card for the right high-end consumer.
