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Bank of Baroda Eterna Credit Card

Bank of Baroda

Bank of Baroda Eterna Credit Card

Data last verified: 11 October 2026

DiningVISA
  • Joining fee₹2,499 + GST
  • Annual fee₹2,499 + GST
  • Reward rate0.75% base, up to 3.75% on dining
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  • Joining fee₹2,499 + GST
  • Annual fee₹2,499 + GST
  • Fee waiverOn ₹2,50,000 spend a year
  • Forex markup2%
  • Interest (APR)3.75% a month, 45% a year
  • Fuel surcharge waiver1%
  • Fuel waiver cap₹250 a month

Eterna earns 15 reward points per Rs 100 on online shopping, travel, dining and international spends, about 3.75% back. These bonus points share a cap of 5,000 points per statement cycle. Other spends earn 3 points per Rs 100, about 0.75%. Spend Rs 5 lakh in a year and you get 20,000 bonus points, worth about Rs 5,000.

It costs ₹2,499 a year plus GST, waived when you spend ₹2,50,000 in the year. If most of that goes online or on travel and dining, the points alone cover the fee comfortably.

It suits online shoppers and travellers earning Rs 1 lakh a month or more. The catch: unlimited domestic lounge access now needs Rs 75,000 of spend in the previous quarter, and fuel and wallet loads earn nothing.

Best for: Heavy online shoppers, Travellers who spend abroad, High earners wanting a mid-premium card.

01Bank of Baroda Eterna Credit Card Rewards and Benefits

Rewards rate
0.75% base, up to 3.75% on dining
Fee waived on
₹2,50,000 spend a year
Reward redemption
Not published
Dining
3.75% back
Travel
3.75% back
Golf
Not included
Domestic lounge
Unlimited
International lounge
Not included
Insurance benefits
Not included

02Bank of Baroda Eterna Credit Card Annual Fee and Charges

Joining fee
₹2,499 + GST
Annual fee
₹2,499 + GST
Spend-based waiver
Annual fee waived on ₹2,50,000 spend in a year (rent and wallet loads not counted)
Rewards redemption fee
Nil
Forex markup
2%
Interest rate
3.75% a month (45% a year)
Fuel surcharge waiver
Yes, up to ₹250 a month
Card replacement
Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

  • ₹5,000 on dining and food delivery, earning 3.75%₹188
  • ₹15,000 on everything else, earning 0.75%₹113
  • Back each month, ₹3,612 a year₹301
  • Annual fee with 18% GST−₹2,949
  • In your pocket each year₹663

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

  • 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%

Skip it if…

  • 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

04Product Details

  • About 3.75% back on online, travel, dining and international spends
  • Bonus points capped at 5,000 per statement cycle
  • About 0.75% back on other spends
  • 20,000 bonus points at ₹5 lakh yearly spend
  • Unlimited domestic lounges after ₹75,000 spend in the previous quarter
  • 2% forex fee, ₹2,499 fee waived at ₹2,50,000

05Pros and Cons

Pros

  • High reward rate on four big categories
  • Low 2% forex fee
  • Large milestone bonus at ₹5 lakh

Cons

  • Shared cap on bonus points each cycle
  • Lounge access needs ₹75,000 quarterly spend
  • No points on fuel or wallet loads
  • Needs ₹1 lakh monthly income

06How Bank of Baroda Eterna Credit Card earns Rewards

0.75% base, up to 3.75% on dining.

Earns nothing onFuelWallet loadsSelect MCCs per Annexure a

Spend categoryRateMonthly capWhere it applies
UPI payments (scan and pay)Earns nothing-a Visa or Mastercard card cannot pay by UPI
Online shopping3.75%₹1,250, shared with other bonus ratesAll 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 delivery3.75%₹1,250, shared with other bonus ratesAll 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
Groceries0.75%No capThe card's normal rate
Travel: flights, hotels, trains3.75%₹1,250, shared with other bonus ratesAll 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
FuelEarns nothing-earns nothing on this card
Bills and recharges0.75%No capThe card's normal rate
Rent0.75%No capThe card's normal rate
Insurance premiums0.75%No capThe card's normal rate
School and college fees0.75%No capThe card's normal rate
Wallet top-upsEarns nothing-earns nothing on this card
Taxes and government paymentsNot stated-the card's terms state no rate here; many cards pay nothing on these
Spend abroad or in a foreign currency3.75%₹1,250, shared with other bonus ratesAll 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 else0.75%No capThe card's normal rate

Listed underDining cardsRewards cardsTravel cardsPremium cardsShopping cardsLifestyle cardsInternational cards

CardAdvisor tagsDiningInternationalOnline shoppingTravelReward points

Terms on the base rate. 3 reward points per ₹100 (~0.75%) on all other eligible spends

Point value. 1 point is worth about ₹0.25 at the bank's stated value.

07Bank of Baroda Eterna Credit Card Lounge Access and Travel

Domestic lounge access is unlimited. Spend Rs 75,000 in the previous quarter for domestic lounge access. Spending abroad carries a 2% forex markup; rewards on it: 3.75% back. See what it costs on your trip

Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses, movie ticket offers.

  • Fuel surcharge waiver: 1% fuel surcharge waiver on transactions of ₹400 to ₹5,000 (max ₹250 per statement cycle)
  • Airport lounge access: Unlimited domestic airport lounge access, unlocked by ₹75,000 of spend in the previous quarter, raised from ₹40,000 on 15 July 2026
  • Milestone bonuses: 20,000 bonus reward points (~₹5,000) on ₹5 lakh of annual spend
  • Movie ticket offers: Buy-one-get-one-free movie ticket on the District app, up to ₹250 a month

08Bank of Baroda Eterna Credit Card Eligibility and Documents

Age
25 to 55 years
Employment
Salaried or self-employed
Minimum monthly income
₹1,00,000

Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph

09Recent Changes

What Bank of Baroda changed on this card recently. The facts on this page already reflect them.

DateChangeBeforeNow
15 Jul 2026Reduced: Accidental death insurance withdrawnSource: Bank of Baroda--
15 Jul 2026Reduced: Finance charge raised to 3.75%/monthSource: Bank of Baroda3.25% (39% p.a.)3.75% (45% p.a.)
15 Jul 2026Reduced: Lounge spend threshold raised to ₹75,000/quarterSource: Bank of Baroda₹40,000/quarter₹75,000/quarter
1 Apr 2026Reduced: Processing fees added on toll/bus, high-value rail and third-party education spendsSource: Bank of BarodaNone1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps, each max ₹5,000)
1 Jan 2025Reduced: Golf benefit discontinuedSource: Bank of Baroda--

See this card's change history → · All card changes in July 2026 →

10Cards Similar to Bank of Baroda Eterna Credit Card

Bank of Baroda Eterna Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

FeatureBank of Baroda Eterna Credit CardBank of Baroda Eterna Credit CardHSBC Live Plus Credit CardHSBC Live Plus Credit CardSBI BPCL Credit CardSBI BPCL Credit Card
Joining fee₹2,499 + GST₹999 + GST₹499 + GST
Annual fee₹2,499 + GST₹999 + GST₹499 + GST
Rewards0.75% base, up to 3.75% on dining1.5% base, up to 10% on dining0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
Domestic loungeUnlimited2 visits a yearNot included
Forex markup2%1.99%3.5%
TypeDiningDiningFuel
Compare with HSBC Live Plus Credit CardCompare with SBI BPCL Credit Card

11Explore More

All Bank of Baroda productsEvery card, loan and account from Bank of Baroda on SkyloFinDining credit cardsEvery dining card, comparedAll credit cardsFilter by issuer, category and feeRewards calculatorWhat this card would earn on your spendingInterest calculatorWhat carrying a balance really costsTrack this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

Is the ₹2,499 fee waived?

Yes, once you spend ₹2,50,000 in the year. Below that the fee plus GST is charged.

Is there a cap on rewards?

Yes, the 15 points per ₹100 categories together earn up to 5,000 bonus points per statement cycle.

How do I get lounge access?

Spend ₹75,000 in a quarter to get unlimited domestic lounge visits in the next quarter.

Who can apply?

Applicants aged 25 to 55 earning at least ₹1 lakh a month, subject to the bank's checks.

What is the joining fee for the Bank of Baroda Eterna Credit Card?

The joining fee is ₹2,499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the Bank of Baroda Eterna Credit Card?

The annual fee is ₹2,499 + GST.

Does the Bank of Baroda Eterna Credit Card give airport lounge access?

Yes. Domestic lounge access is unlimited. Check the bank's page for the current rules, because lounge programmes change.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with Bank of Baroda. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

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