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Bank of Baroda Eterna Credit Card

Name: Bank of Baroda Eterna Credit Card
Brand: Bank of Baroda
Price: 2499 INR

Bank of Baroda

7.7

CardTrail Score

Very Good

out of 10

💰 Net Value

6.3

🔓 Accessibility

6.8

⚡ Feature Depth

6.1

🏦 Bank Trust

5.5

How we score →

Compare This Card Full Details

Annual Fee

₹2,499

Spend ₹3L/year

Forex Markup

1.99%

Reward Rate

Up to 5%

Lounge Access

domestic | 2 intl

About This Card

BOB Eterna is an underrated premium card with competitive forex, decent lounge access, and achievable fee waiver. The biggest downside is BOB's outdated digital experience — the app and reward portal need work. Good value for those who can tolerate a less polished UX.

Pros & Cons

Pros

Competitive 1.99% forex
Good lounge access
Achievable ₹3L fee waiver
5X on multiple categories

Cons

BOB's digital experience lags
Reward redemption is clunky
Only 2 international lounges
Less brand prestige

Fee Details

Annual Fee

₹2,499

Joining Fee

₹2,499

Fee Waiver Condition

Spend ₹3L/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

Max Rate

Currency

Reward Points

Welcome Bonus

3,000 Reward Points

Lounge Access

Domestic Lounges

per quarter

International Lounges

per quarter

Key Highlights

+ 1.99% forex
+ 8+2 lounge visits/quarter
+ 5X on dining, entertainment, travel

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