All cards / Bank of Baroda
Bank of Baroda Eterna Credit Card
Bank of Baroda's top BOBCARD, with unlimited domestic lounge access, a 2% forex markup and 5X points (3.75%) on travel, dining, online and international spend. From 1 September 2026 the first year is free, then a ₹2,499 annual fee applies, waived on ₹2.5 lakh of spend in the previous card year. Cards issued from 1 August 2026 also get a 12-month FITPASS PRO membership on ₹10,000 spend in 30 days.
Annual fee
₹2,499
Joining fee
₹0
Reward type
points
Base reward rate
0.75%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 760+ whose spend is concentrated in travel, dining, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.75% base rate
- Domestic lounge access: Unlimited complimentary domestic lounge access
Benefits by category
- 🍽️ Dining & food delivery
3.75% reward rate (capped ₹1,250/monthly) · 15 points per ₹100 (5X) on travel, dining, online and international spend, capped at 5,000 points per statement cycle; 3 points per ₹100 elsewhere; 1 point = ₹0.25 as cashback
- ✈️ Travel
3.75% reward rate (capped ₹1,250/monthly) · Unlimited complimentary domestic airport lounge access
- 🛍️ Shopping
3.75% reward rate (capped ₹1,250/monthly)
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹250 per statement cycle (no reward points on fuel)
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 760
- Minimum monthly income: ₹1,00,000
- Employment: salaried, self-employed
- Age: 25–55
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,50,000
- Foreign currency markup: 2%
- Interest rate: 41.88% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- Unlimited complimentary domestic airport lounge access
- Complimentary 12-month FITPASS PRO membership (worth ₹48,000) on ₹10,000 spend within 30 days, for cards issued on or after 1 August 2026
- 10,000 bonus points on ₹50,000 spend in the first 60 days; 20,000 bonus points on ₹5 lakh spend in a year
- 15 points per ₹100 (5X) on travel, dining, online and international spend, capped at 5,000 points per statement cycle; 3 points per ₹100 elsewhere; 1 point = ₹0.25 as cashback
- Buy-one-get-one movie tickets on District, up to ₹250 a month
- 1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹250 per statement cycle (no reward points on fuel)
Pros
- + Unlimited domestic lounge access
- + 5X points (3.75%) on travel, dining, online and international spend
- + Free first year, plus a 12-month FITPASS PRO welcome benefit
Cons
- − ₹2.5 lakh annual spend needed to waive the ₹2,499 renewal fee
- − No international lounge access
- − High income eligibility bar (₹12 lakh a year)
Best for
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