Bank of Baroda Eterna Credit Card comes with an exciting welcome benefit, cashback, fuel surcharge waiver, insurance cover, add-on Card facility, and various other rewards and benefits. In this article we will explain all the details of Bank of Baroda Eterna Credit Card including benefits, eligibility criteria, required documents, fees and charges and how to apply for this credit card.
Benefits of Bank of Baroda Eterna Credit Card
- Milestone Rewards: Earn 10,000 bonus reward points on spending Rs. 50,000 in the first 60 days. Receive 20,000 bonus reward points on spending Rs. 5,00,000 in a year.
- Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver at every fuel station nationwide for transactions between Rs. 400 and Rs. 5,000. Note: No reward points earned on fuel transactions.
- Smart EMIs: Convert purchases exceeding Rs. 2,500 into easy EMIs with flexible tenures ranging from 6 to 36 months.
- Insurance Cover (In-Built): Avail of a complimentary personal accidental death cover for financial protection for yourself and your family.
- Add-On Card: Obtain up to 3 lifetime free add-on cards for parents, spouses, siblings, and children.
- Zero Liability for Lost Eterna Credit Card: Report card loss instantly to ensure zero liability for fraudulent activities.
- Core Reward Points: Earn three reward points for every Rs. 100 spent on transactions falling under other categories.
Bank of Baroda Eterna Credit Card
| Best For: | Lifestyle, Shopping, and Travel Uses |
| Annual Charges: | Rs. 2,499 |
| Joining Charges: | Rs. 2,499 |
| Welcome Benefit: | Free FitPass Pro Membership Worth Rs. 15,000 |
| Add-On Card: | Up to 3 lifetime free add-on cards for parents, spouses, siblings, and kids. |
Eligibility Criteria for Bank of Baroda Eterna Credit Card
- Residency: Only Indian residents are eligible to apply for the BOB Eterna Credit Card.
- Age: The primary cardholder must be between 21 and 65 years of age. The add-on cardholder needs to be a minimum of 18 years old.
- Income: The applicant’s minimum annual income should be Rs. 12 lakhs.
Documents Required for Bank of Baroda Eterna Credit Card
- ID Proof: PAN Card (Mandatory), Aadhaar Card, Voter ID, Passport, Permanent Driver’s License (Any One).
- Address Proof: Aadhaar Card, Voter ID, Passport, Permanent Driver’s License, Utility Bill, Property or Municipality Tax Receipt, Rental Agreement, House Allotment Letter (Any One).
- Income Proof: Salary Payslip of the Last 2 Months, Bank Statement with Salary Credits.
- For Self-employed Individuals: Income Tax Returns (ITR).
Fees and Charges for Bank of Baroda Eterna Credit Card
- 1st Year Charges: Rs. 2,499
- Annual Charges: Rs. 2,499
- Joining Fee Waiver (First Year): The joining fee will be completely waived if the cardholder spends ₹25,000 within the first 60 days of the card setup date.
- Subsequent Years: The annual fee for subsequent years will be waived if the cardholder spends ₹2.5 Lakhs or more in a year.
How to Apply for Bank of Baroda Eterna Credit Card?
Offline Application:
- Visit the nearest Bank of Baroda branch.
- Fill out the physical application form with the required details.
- Submit the form along with the necessary documents.
Online Application:
- Visit the official Bank of Baroda website or the dedicated credit card application portal at https://www.bobfinancial.com/eterna.jsp.
- Choose the Bank of Baroda Eterna Credit Card.
- Click on the ‘Apply Now’ option.
- Fill in the required information on the online application form.
- Complete the KYC (Know Your Customer) process and verify your details.
- Submit the online application.
- The bank will acknowledge your application and, upon successful verification, will revert to you within a few working days.
FAQ
What are the annual charges for the Bank of Baroda Eterna Credit Card?
The annual charges for the Eterna Credit Card are Rs. 2,499.
Is there a joining fee for the first year, and how can it be waived?
Yes, there is a joining fee of Rs. 2,499 for the first year. However, it can be completely waived by spending ₹25,000 within the initial 60 days of card setup.
What benefits does the Eterna Credit Card offer for travel transactions?
The card provides 15 reward points for every Rs. 100 spent, unlimited complimentary domestic airport lounge access, and reduced Forex markup of up to 2% on international spending.
How can I redeem the reward points earned on the Eterna Credit Card?
Reward points can be redeemed for cashback and various other options, enhancing the cardholder’s flexibility in utilizing earned benefits.
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