Make every transaction a happy experience.

A Credit Card, for the high performers.

  • Best travel benefits
  • Customized lifestyle privileges
  • Distinctive dining experiences
  • Benefits
  • Features
  • Eligibility Criteria
  • Documents Required
  • Annual Fees

Eterna Credit Card : Benefits

  • Travel Benefits

  • Dining Experience

  • Fitness and Frolic

  • Movie & Shopping Fun

Eterna Credit Card : Features

Our Eterna Credit Card comes with a range of benefits such as:

  • Milestone Rewards

    Earn 10,000 bonus reward points on spending Rs. 50,000 within first 60 days & 20,000 bonus reward points on spending Rs. 5,00,000 in a year. Know more.
  • Free Add-on card

    Get up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids.
  • Zero liability on lost card

    Report loss of card immediately to ensure zero liability on any fraudulent transactions.
  • Smart EMI option

    Convert purchase of > Rs. 2,500 on your card into easy EMIs of 6/36 months.
  • Redeem reward points for cashback

    Redeem your reward points as cashback and other exciting options. All your accumulated reward points can be redeemed for cashback @1 reward point = Rs. 0.25
  • In-built insurance cover

    Get free Personal Accidental Death Cover to ensure financial protection of your family (Air: 1 crore, Non-Air: 10 lakhs)
  • Core Reward Points

    3 reward points for every Rs. 100 spent on any other category.
  • Fuel Surcharge Waiver**

    1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5,000 (Max. Rs. 250 per statement cycle).
    Note:- No Reward points are earned on fuel transactions.

Eterna Credit Card : Eligibility Criteria

Primary cardholder between the age of 21 years and 65 years. Add-on cardholder should be over 18 years salaried/self-employed with an income of Rs. 12 lakhs per annum or more for a resident of India.

Eterna Credit Card : Documents Required

Documents Required

Proof of identity

  • PAN (Mandatory)
  • Aadhaar Card/Voter Id card/Passport/Driving License

Address Proof:

  • Aadhaar Card/Voter Id card/Passport/Driving License/Utility Bills/Property or Municipal Tax receipt /Rent Agreement/House allotment letter issued by State or central government

Income Proof:

  • Salaried: Last 2 months salary slip + bank statement showing salary credits
  • Self-employed: Later income tax return (ITR)

Eterna Credit Card : Annual Fees

Fees/Charges Primary Add-on
First year fee (levied in the first statement) Rs. 2499 NIL
Annual Fee Rs. 2499 NIL

अक्सर पूछे जाने वाले प्रश्न

  • What are the eligibility criteria?
    The card can be issued to Individual accounts holder/self-operated savings, current and overdraft accounts. For joint accounts, with operating instructions as ‘either or survivor’ and ‘any one or survivor’ the card can be issued to anyone or all the joint account holders.
  • What are the Debit Card variants, wherein international usage is allowed?
    Visa Platinum/Contactless.
    Baroda VISA Vyapaar..
    Master Card Platinum..
    RuPay Platinum/Contactless..
    RuPay Select..
    Master Card World (Baroda Radiance).
  • My Debit Card doesn’t work for online or international transactions.
    As per recent guidelines, at the time of issue/re-issue/renewal, all the debit card will be enabled for use only at contact-based points of usage [viz. ATMs and Point of Sale (PoS) devices] within India. Existing cards which have never been used for online/international/contactless transactions shall be mandatorily disabled for this purpose. Now, to enable the channels, through BOB ATM/Baroda M-Connect Plus (Mobile Banking)/Baroda Connect (Internet Banking)/IVR.
    Kindly use your card for first transaction on BOB ATM or Green PIN generation through BOB ATM/Baroda M-Connect Plus (Mobile Banking)/Baroda Connect (Internet Banking)/IVR and then try of online transactions.
  • What are the different types of Debit Cards issued by Bank of Baroda ?
    Bank is issuing different types of Debit Cards in co-ordination with Visa, MasterCard and RuPay. To know the details of different card variants being issued by Bank, please refer to ATM/Debit Card section on our bank’s website Click
  • Is there any Fee for the issuance of Debit Card?
    The fees are subject to change from time to time at the sole discretion of Bank/RBI etc. For service charges related queries, please refer to Debit Card section on our bank’s website. For charges, please Click here.
  • Can a fresh Debit Card issued in lieu of a lost/damaged card and what is the amount to be charged?
    Yes, Rs. 200 + Tax is charged for replacement of damaged card/lost card.
  • How many accounts maximum can be linked to my Debit Card and what is the procedure?
    A maximum of 9 accounts held in the same name and same capacity can be linked to a Debit Card. Please submit request for linking of multiple accounts on your Debit Card to your base branch.
  • My Debit Card doesn’t work on ATMs. Why?
    Debit Card does not work on ATMs due to some of the following reasons:
    Your debit card may be blocked.
    You may not have swiped the card properly.
    Your card might have got damaged/deteriorated due to which it is not accepted by ATM where the card reader may be weak. In such case you may try at another ATM and if still does not work, request for a new card to your branch/contact centre.
    Your account may be inoperative or frozen at branch level due to some reason. Please contact your branch to know the account status.
    You may be using the wrong PIN.
    Connectivity from the ATM has failed. In such case please try after some time or use another ATM.
  • How many transactions for Current Account holders at other bank’s ATM Machine are free?
    No transactions are free.
  • How many attempts of wrong ATM PIN will lead to blocking of a Debit Card?
    Soft blocking : After 3 attempts of wrong pin in a DAY (within 24 hrs.) debit card will be blocked for next 24 hrs.
    Hard Blocking: After 12 attempts of wrong pin in a MONTH debit card will be blocked permanently.
  • Which of the following modes can be used for hot listing of Debit Card by the customer?
    Contact Centre/toll free numbers 1800 258 44 55 or 1800 102 44 55.
    Mobile Banking (M Connect).
    WhatsApp Banking.
    Net Banking (Baroda Connect)
    Base Branch.

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