HomeCREDIT CARDBank of Baroda Eterna Credit Card Features, Benefits & Eligibility Criteria

Bank of Baroda Eterna Credit Card Features, Benefits & Eligibility Criteria

Bank of Baroda Eterna Credit Card – Bank of Baroda does business in credit cards or loans through its associate company BOB Financial Solutions Limited, also known as Bob cards Limited.

Bank of Baroda, through this company, has launched many type of credit cards. Recently Bank of Baroda has launched a new credit card Eterna in the premium category. This credit card is also commonly known as the “Bank of Baroda Eterna credit card.” Bank of Baroda Eterna credit card is famous for offering more reward points on online shopping.

Through this post, you will be provided with detailed information about Bank of Baroda Eterna credit card features, benefits, eligibility criteria, required documents, joining fees & charges, and the process of applying. You must read this post till the end to get complete information about the Bank of Baroda Eterna credit card.

Joining Fees

2499 plus GST is charged as a joining fee on its recently issued premium credit card, “Bank of Baroda Eterna credit card” by Bank of Baroda. But if you spend ₹25000 within 60 days of card activation, the amount charged as the Bank of Baroda Eterna credit card joining fee is refunded. The joining fee waiver is excellent as compared to premium category cards of other banks.

Bank of Baroda Eterna credit card Key Highlights

Joining Fee2499 and GST separately
Discount On Joining FeeOn spending ₹25000 in 60 days with a credit card
Welcome BenefitFitPass Pro for six months
Credit Card Renewal Fee2499 and GST separately
Rebate On Renewal FeeOn spending ₹ 2,50,000 on an annual credit card
Eligibility for ApplicationThe annual income of the applicant should be Rs 1200000.

Bank of Baroda ETERNA Credit Card Features

Bank of Baroda Eterna Credit Card gives customers a chance to earn reward points on every purchase. BOB Eterna Credit Card has been designed by Bank of Baroda, keeping your lifestyle and spending habits in mind. BOB ETERNA Credit Card has the following features.

  • If you shop online with the Bank of Baroda Eterna Credit Card, you can get 15 reward points for every ₹100 purchase.
  • 1% fuel surcharge is waived on the purchase of petrol or diesel anywhere across India with this credit card.
  • 2499 plus GST is charged as a joining fee on this credit card.
  • This credit card is designed keeping in mind your lifestyle and spending habits.
  • A maximum of 20000 reward points is awarded if you spend ₹ 500000 or more in 1 year on this card.
  • Unlimited domestic airport lounge access is provided on this credit card by the Bank of Baroda.
  • The bank charges only a 2% fee on the foreign exchange.
  • FitPass Pro Membership of ₹ 15,000 is provided by the bank as a welcome kit on this credit card.
  • On purchasing a movie ticket from Paytm on this credit card, a movie ticket is provided free of cost.
  • The bank provides personal Accidental Death Insurance up to Rs.1000000 on this credit card.
  • MasterCard offers access to over 250+ deals on hotel, dining results, and partner golf courses with its priceless special offer.

Read Also : – What are the Silent Features of Bank of Baroda Easy Credit Card?

Benefits of Bank of Baroda ETERNA Credit Card Reward point benefits

Reward points can be earned on the Bank of Baroda Eterna Credit Card as follows.

  • 15 Reward Points can be earned for every ₹100 you spend on Dinner (Catering) through this card.
  • Through this card, 15 Reward Points can be earned per ₹100 on international or transport spending.
  • 15 Reward Points can be earned per ₹100 even when you make online purchases through this card.
  • 3 Reward Points can be earned per ₹100 spent through this card on categories other than those mentioned above.
  • Note that every 4 Reward Points are treated as one Rupee when redeeming.

Milestone benefits

Bank of Baroda has made a provision of giving unique reward points on crossing a certain level of spending on its Bank of Baroda Eterna Credit Card in the premium category, which is as follows.

  • If you spend ₹ 50000 through this credit card within 60 days, then 10000 bonus reward points are provided to you by the bank.
  • 20,000 Bonus Reward Points are supplied by the bank every year for spending ₹ 500000 from the BOB Eterna Credit Card.

BOB Eterna Credit Card Add-on card benefits

  • Bank of Baroda offers a maximum of 3 free add-on cards on BOB Eterna Credit Card.
  • Bank of Baroda Eterna Credit Cardholders can apply for add-on credit cards for their parents, spouse, and children.

BOB Eterna Credit Card Fuel surcharge benefits

You can get the following benefits if you buy petrol or diesel with a BOB Eterna Credit Card.

  • 1% rebate in surcharge is given on purchasing diesel or petrol at any petrol pump in India through BOB Eterna Credit Card.
  • This discount applies when the cardholder has filled petrol or diesel in his vehicle between ₹ 400 to ₹ 5000.
  • You can get a maximum value of up to Rs.250 only in a circle statement purchasing petrol or diesel.

Bank of Baroda ETERNA Credit Card EMI Benefits

ETERNA Credit Card by Bank of Baroda allows credit cardholders to convert transactions above ₹ 25 to AGMI of 6 months to 12 months. If the cardholder has done a large number of transactions, then he can deposit the same in small installments so that his household savings do not get affected.

Launch access -Bank of Baroda offers unlimited access to domestic airport lounges on Eterna Credit Card.

Movies Offer– If you book a movie ticket on Paytm through this card, then another movie ticket is given free of cost on one movie ticket. A maximum offer of ₹250 is made on the second ticket.

Insurance Cover: If the cardholder dies in an accident during air travel, personal accidental air debt up to Rs.1000000 is covered. If the cardholder died in an accident other than air travel, he is provided with insurance up to ₹ 1000000.

Type Of InsuranceSum Insured
On the death of the cardholder during an air accidentSum Assured of Rs 1 crore
On the death in an accident other than by air travelSum Assured of Rs.1000000

Zero Lost Card Liability: The cardholder is not responsible for any fraudulent transaction on reporting the loss or theft of the card to the bank.

Maximizing Eterna: The following maximum benefits can be obtained from the Bank of Baroda Eterna Credit Card by only spending ₹ 41667 per month (₹ 500000 per annum) online.

  • You can achieve 95000 Reward Points which is equivalent to approximately ₹23750 cashback.
  • No fee will be charged on the first-year credit card.
  • The renewal fee on the card is waived.
  • With the Bank of Baroda Eterna Credit Card, 4.75 percent of the maximum expenditure can be availed on ₹ 500000 annual spendings.

Bank of Baroda ETERNA Credit Card Fees & Charges

Bank of Baroda charges 2499 plus GST as a joining fee on ETERNA Credit Card. But the joining fee is waived on spending ₹ 25000 from the credit card for 60 days from the date of activation of the Bank of Baroda ETERNA Credit Card.

The Bank of Baroda also charges 2499 as an annual fee on ETERNA Credit Cards. But on spending an amount of ₹ 2,50,000 or more in a period of 1 year from ETERNA Credit Card, the Annual fee for the next year is waived.

The list of fees & charges applicable to the Bank of Baroda ETERNA Credit Card is as follows.

Type Of FeeFees & Charges
Joining FeeRs 2499 + GST
Annual FeeRs 2499 + GST
Finance Charges41. 8% annually or 3.49% monthly
Cash Withdrawal Fee2.5 percent of the withdrawal amount, which shall be at least ₹500.
Cheque Return Fee2% of the check amount subject to a minimum of ₹450.
Card Unblocking Fee₹300 per card
Foreign Currency Transaction Fees2% of the transaction amount
Pending Payment FeeNo extra charges for less than ₹100.₹100 additional charges on the amount of ₹100 to ₹500.₹400 extra charges on the amount of ₹501 to ₹100.₹600 additional charges on the amount of ₹1001 to ₹10000.₹800 additional charges on the amount of ₹10001 to ₹25000.₹950 additional charges on the amount above ₹25000.
Add On Card FeeThere is no charge on the add-on card

Documents Required for Bank of Baroda ETERNA Credit Card Application

If you want to apply for a BOB ETERNA Credit Card, you must have income proof, residence proof, and a photo identity card. The list of documents required for the Bank of Baroda ETERNA Credit Card application is as follows.

BOB Eterna Credit Card Required Documents Table

Income Certificate(For Self Employed Person)If the applicant is self-employed, then the last year’s income tax report of the applicant.
Income Certificate(For Salaried)If the applicant is a salaried employee, then the salary slip of the applicant for the last two months.Statement of the applicant’s bank account showing the credit of monthly salary.
Income Certificate (For Self Employed Person)If the applicant is self-employed, then the last year’s income tax report of the applicant.
Income Certificate(For Salaried)If the applicant is a salaried employee, then the salary slip of the applicant for the last two months.Statement of the applicant’s bank account showing the credit of monthly salary.
Address ProofAadhar cardVoter ID cardIndian PassportDriving LicenseElectricity/phone or water bill (last three months)Property document or municipal corporation tax receiptIf the applicant lives in a rented house, then the owner and the tenant’s rent agreement is between the owner and the tenant.If the applicant resides in a government house, then the house allotment letter is issued by India or the State Government.
Identity CertificatePan Is Binding As Identity Proof.Aadhar CardPhoto Credit CardDefense Id CardVoter Id CardIndian PassportDriving License.

Eligibility Criteria for Bank of Baroda ETERNA Credit Card

If you want to apply for the premium category ETERNA Credit Card issued by Bank of Baroda, you must have the following documents and qualifications.

  • The age of the credit card holder must be between 21 years and 65 years.
  • Under the add-on service, the age of the advance credit card holder must be 18 years.
  • Applicants must be salaried or self-employed.
  • The annual income of the applicant should be Rs 1200000 or more.
  • The applicant must be an Indian citizen or a non-resident Indian.
  • The table below is given to quickly understand the eligibility criteria for Bank of Baroda ETERNA Credit Card applicants.

Age Range

  • The age of the applicant should not be less than 21 years and not more than 65 years.
  • The add-on cardholder must be above 18 years of age when applying for the add-on card.
  • annual income
  • The applicant should be a government employee or salaried, or self-employed.
  • The annual income of the applicant should be at least 1200000 rupees.
  • citizenship
  • The credit card applicant must be a citizen of India or a non-resident Indian.

Read Also : – Silent Features of Bank of Baroda Select Credit Card

How to apply for Bank of Baroda ETERNA Credit?

If you meet the Bank of Baroda ETERNA Credit’s eligibility criteria and are interested in applying, then follow the steps given below.

  • First of all, visit the nearest Bank of Baroda branch. Meet with the bank customer representative or manager.
  • The bank representative will ask you to fill in the credit card application form.
  • Take the credit card application form from the bank officer and fill in the information asked in the application form correctly.
  • Attach the required documents with the application form.
  • Submit the application form and the required documents to the bank officer and take the deposit receipt.
  • The bank will scrutinize your application form, and your application for the Bank of Baroda ETERNA Credit Card will be notified on the registered number once your application is approved.
  • The credit card will be sent by post to the registered address by the Bank of Baroda in 7 to 10 working days.
  • The credit card can be activated through the Bank of Baroda ATM or online with the help of a Green PIN.
  • Click on the gender of “Apply Now” to apply online.

Bank of Baroda ETERNA Credit Card Related FAQs

Q 1. What is the discount on fuel surcharge in 1 month on the Bank of Baroda ETERNA Credit Card?

Ans: If you put petrol or diesel in your car at any petrol pump in India with a Bank of Baroda ETERNA Credit Card, you can get a maximum discount of up to ₹ 250 in 1 month.

Q 2. If I buy petrol or diesel with a BOB ETERNA Credit Card, will I also get reward points?

Ans- No, the Bank of Baroda gives a 1% discount on fuel surcharge only to purchase petrol or diesel on this credit card. The bank provides no reward with points on fuel transactions.

Q 3. Whom can a cardholder approach if he has a credit card-related complaint?

Ans: For any problem related to ETERNA Credit Card, the cardholder can send his problem by writing to the official mail id [email protected] or contact BOB Eterna credit card customer care number 1800 103 1002.

Q4. When joining or waiving the annual fee, is the GST applicable on fees also refunded to the Etrarina Credit Cardholder?

Ans: No, if you spend ₹25000 in 60 days and 2.5 lakh rupees in 1 year through credit card, then only your joining and the annual fee is refunded by Bank of Baroda. Additional GST levied on payments is not refundable.

Q 5. Is the EMI facility also available on the Bank of Baroda Eterna Credit Card?

Ans: Yes, Bank of Baroda offers credit cardholders the facility to convert Eterna Credit Card transactions of ₹ 2500 or more into EMIs ranging from 6 months to 12 months.

Q 6. Is there an additional credit limit on the Bank of Baroda Eterna Credit Card add-on card?

Ans- No, the add-on cardholder can only share the primary card holder’s credit limit. No additional credit limit is provided to him by the bank.

Q 7. What is the credit limit provided by the Bank of Baroda on the Eterna Credit Card?

Ans: A credit limit is provided by the Bank of Baroda on this credit card based on your annual income. If your annual income is filled or the previous credit limit and credit history are good, the bank increases your credit limit.

Q 8. Which payment network is used in the Bank of Baroda Eterna Credit Card?

Ans: MasterCard payment network is used for transactions done with Bank of Baroda Eterna Credit Card.

Q 9. What is the meaning of PIN in the banking system?

Ans: The full name of PIN is Personal Identification Number, which is used for gas withdrawal from ATM, point of sale, and authentication in online transactions. Even without forgetting to share your debit or credit card PIN with anyone. You may be cheated.

Read Also : – Bank of Baroda Credit Card Customer Center Number

Guru
Guruhttps://paisaproblem.com/
I am student and part time blogger. I am interest to share my views on financial issues.
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