Bank of Baroda ETERNA Credit Card ! #2026 #creditcard #ytshorts

The BOBCARD (Bank of Baroda) Eterna is a premium lifestyle and travel credit card. It offers 5X rewards on dining, travel, and online shopping, unlimited domestic lounge access, a reduced 2% forex markup, and a complimentary FitPass Pro membership. It typically requires an annual income of at least ₹12 Lakhs.

Key Highlights & Benefits

Reward Structure: Earn 5X Reward Points (15 RP per ₹100) on online shopping, travel, dining, and international spends. Standard spends earn 3 RP per ₹100.

Airport Lounge Access: Unlimited complimentary access to domestic airport lounges across India, provided you spend ₹40,000 in the preceding quarter.

Movie & Entertainment: Buy-one-get-one (BOGO) movie ticket offer (up to ₹250 off per month) on the District app.

Milestone Rewards: Get 20,000 bonus reward points upon reaching annual spends of ₹5 Lakhs.

Insurance Coverage: Up to ₹1 Crore for air accidents and ₹10 Lakhs for non-air accidents.

Fees & Charges

Joining & Annual Fee: Typically ₹2,499, but often available with a Zero Joining/Annual Fee limited-time offer for new customers.

Fee Waiver: The annual fee can be waived if you spend ₹2.5 Lakhs in a year.

Foreign Currency Mark-up: Reduced to 2% on international transactions.

Finance Charges: 3.25% per month (39% per annum).

Eligibility

Age: 21 to 60 years for salaried individuals; 24 to 65 years for self-employed individuals.

Income: Minimum net annual income of at least ₹12 Lakhs.

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