What is the annual fee for BoB Eterna?

Annual fee for BoB Eterna is ₹1000 + GST, waived on ₹120K+ annual spend.

What is the reward rate on BoB Eterna?

BoB Eterna offers 3% points on general spends.

Minimum income for BoB Eterna?

Minimum income required is ₹6.0 lakh per year.

Overview

Rewards

Fees

Score

Verdict

Visa

Bank of Baroda

BoB Eterna

10X rewards on online shopping + 4 lounge visits from Bank of Baroda

Annual Fee

₹1,000

Reward

3% points

GenieScore

36/100

Lounge

4/yr

Expert

3.7/5★

Apply Now

About this Card

BoB Eterna is Bank of Baroda's flagship credit card offering strong online rewards. 10X reward points on all online shopping is competitive, and the 4 airport lounge visits per year add travel value. It is a good option for existing BoB customers who want rewards without switching banks.

Key Features

🏆

10X reward points on online shopping — top BoB card for online spenders

✈️

4 airport lounge visits/year (domestic)

💰

5X on travel & dining spends

🎁

Fee waived on Rs.1.2L annual spend

⚡

1 reward point = Rs.0.25 redeemable

Pros

✓10X reward points on online shopping

✓4 airport lounge visits per year (domestic)

✓5X on travel and dining spends

✓Annual fee waived on ₹1.2L spend

✓2X on all other purchases — decent base rate

Cons

✗1 reward point = ₹0.25 — lower than some competitors

✗BoB BOBCARD customer service has room for improvement

✗0% on UPI payments

✗No international lounge access

✗10X has monthly cap on online shopping

Quick Specs

💳Card TypePoints

🌐NetworkVisa

💰Annual Fee₹1,000 + GST

🎯Base Reward3% points

✈️Lounge4/year

📱UPI RewardsNot available

🌍Forex3.5% + GST

⛽Fuel WaiverNot available

Report incorrect data

Community Sentiment

POSITIVE

Positive

Apply Now on Bank of Baroda