Bank of Baroda ETERNA Credit Card Review
Travel card
The Bank of Baroda ETERNA has a ₹2,499 annual fee + GST, waived on ₹2,50,000 annual spend. It earns 0.75% back on regular spends and up to 3.75% on Online Shopping. Best for: online shopping and dining spenders earning rs.12l+ — our verdict: recommended.
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A capable premium rewards card with a 3.75% accelerated rate across five popular categories and a 20,000-point milestone, helped by a lower 2% forex markup. The 5,000-point monthly bonus cap and broad exclusions on groceries and bills mean it rewards focused online/dining spenders most.
Travel card
The Bottom Line
The Bank of Baroda ETERNA is built for online and dining spender and high-income spender. With a ₹2,499 annual fee that is waived on ₹2,50,000 yearly spend, it offers 3.75% rewards on online shopping and 10,000 bonus points. It makes the most sense if your spending matches online and dining spender and high-income spender.
It earns a base reward rate of 0.75% and stacks best when your spending lines up with Online and dining spender, High-income spender. The renewal fee gets easier to justify once you can hit ₹2,50,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers with heavy online shopping, dining, travel and entertainment spends who can fill the 5,000-point monthly bonus cap at 3.75%.
Those earning Rs.12 lakh+ who can hit Rs.5 lakh annual spend for the 20,000-point milestone and waive the fee at Rs.2.5 lakh.
Probably not for
SkipWith supermarkets, utilities, telecom and rent all excluded, much everyday spending earns nothing.
The Rs.2,499 fee and Rs.12 lakh income bar make it unsuitable for light or lower-income users.
Is It Worth It For You?
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Reward Rates
Bank of Baroda ETERNA offers 0.75% basic reward rate.
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Welcome Offer
10,000 bonus Reward Points (worth Rs.2,500 at 1 RP = Rs.0.25) on spending Rs.50,000 within the first 60 days of card issuance. Joining fee is also reversed on spends of Rs.25,000 within the first 60 days.
Milestone Benefits
20,000 bonus Reward Points (worth Rs.5,000) on spending Rs.5,00,000 in a card anniversary year.
Annual / renewal fee waiver on spends of Rs.2,50,000 in the preceding anniversary year.
Fees & Charges
Eligibility
- Min Income: ₹12 Lakhs
- Min Credit Score: 750
- Age 21-65; min annual income Rs. 12L salaried/SE; CIBIL 750+; annual fee waived on Rs. 2.5L spend per year.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Advances
- No reward points earned on cash withdrawals.
Frequently Asked Questions
8 data-backed answers from our card database
Ready to apply?
₹2,499 annual fee. Apply on the Bank of Baroda website.
Apply on Bank of Baroda →We may earn a commission if you apply through this link. It never affects our ratings.
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