All cards / Bank of Baroda
Bank of Baroda
Bank of Baroda Eterna Credit Card
Visa
Bank of Baroda Eterna Credit Card
Bank of Baroda's top-tier card, with unlimited domestic lounge access and Priority Pass, a low forex markup, and a ₹5,000 fee waived only above ₹5L annual spend.
Rates and fees last verified 15 July 2026.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Premium
Reward rates by category
- Travel5%
- Dining4% (capped ₹2,000/monthly)
Eligibility
- Minimum credit score: 760
- Minimum monthly income: ₹1,20,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- Unlimited domestic lounge visits and complimentary Priority Pass membership
- 24x7 concierge desk for travel and lifestyle requests
- Comprehensive travel and purchase protection insurance cover
Pros
- + Unlimited domestic + Priority Pass lounge access
- + Low forex markup
- + Strong travel reward rate
Cons
- − High fee-waiver threshold
- − High income eligibility bar
Applying takes you to Bank of Baroda's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.