Is the Bank of Baroda Eterna Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Dining card
- Needs ₹1,00,000 a month income
- ₹2,949 fee a year (with GST)
- Fee waived from ₹20,833 a month
- 0.75% base, up to 3.75% on dining
- Unlimited lounge visits
- Pays in reward points
- online shopping: 3.75% back, up to ₹1,250 a month
- dining: 3.75% back, up to ₹1,250 a month
- spending ₹20,833 or more a month: the ₹2,949 fee is waived
- frequent flyers: unlimited airport lounge visits
- spending abroad: 2% markup, most cards add 3.5%
- you spend less than ₹20,833 a month (₹2,50,000 a year, rent and wallet loads not counted): the ₹2,949 fee is then charged
- most of your spending is fuel or wallet top-ups: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on online shopping, dining, travel or foreign spends: the 3.75% rate applies only there, everything else earns 0.75%
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 3 reward points per ₹100 (~0.75%) on all other eligible spends
Also earns nothing on: Select MCCs per Annexure a.
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI | - |
| Online shopping | 3.75% | ₹1,250, shared with other bonus rates | All merchants in the categoryTerms: 15 reward points per ₹100 (~3.75%) on online (1 point ≈ ₹0.25), part of the SHARED 5,000-RP/cycle cap | - |
| Dining and food delivery | 3.75% | ₹1,250, shared with other bonus rates | All merchants in the categoryTerms: 15 reward points per ₹100 (~3.75%) on dining, part of the SHARED 5,000-RP/cycle cap on accelerated earn | - |
| Groceries | 0.75% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 3.75% | ₹1,250, shared with other bonus rates | All merchants in the categoryTerms: 15 reward points per ₹100 (~3.75%) on travel, part of the SHARED 5,000-RP/cycle cap on accelerated earn | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.75% | No cap | The card's normal rate | - |
| Rent | 0.75% | No cap | The card's normal rate | - |
| Insurance premiums | 0.75% | No cap | The card's normal rate | - |
| School and college fees | 0.75% | No cap | The card's normal rate | - |
| Wallet top-ups | Earns nothing | - | earns nothing on this card | - |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these | - |
| Spend abroad or in a foreign currency | 3.75% | ₹1,250, shared with other bonus rates | All merchants in the categoryTerms: 15 reward points per ₹100 (~3.75%) on international spends, part of the SHARED 5,000-RP/cycle cap on accelerated earn | - |
| Everything else | 0.75% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
