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

Frequently Asked Questions (FAQs)

  • What is a Credit Card?

    A credit card is a financial instrument supplied by banks with a pre-set credit limit for online and offline shopping. You may be eligible for a credit card based on your credit score, history, income, and other bank guidelines. Apply for a credit card at BOB Financial site. In other words, a credit card is your convenient, anytime money that you must repay only after 50 days because there is no interest until then.

  • How to Apply for a Credit Card?

    In 3 simple steps:

    1. Complete the e-application
    2. Aadhaar-based e-signature
    3. Confirm with video KYC

    You can also visit any of your nearest Bank of Baroda branches.

  • How to use a Credit card?

    Use your Bank of Baroda credit card for:

    • Retail purchases
    • Online shopping
    • Cash withdrawals at ATMs
    • Foreign Rs. 2500 (cross-border) transactions while travelling overseas by enabling it for contactless (Tap & Pay) transactions.

    Not only that, but you may convert purchases of more than Rs. 2500 on your card into cheap EMIs ranging from 6 to 36 months.

  • How to check Credit Card Eligibility?

    Visit our website at www.bobfinancial.com to check your eligibility and apply for your Bank of Baroda credit card.

  • What are the benefits of an Bank of Baroda Credit Card?
    • Exciting privileges across dining, travel, entertainment, and more
    • Rewards on spends
    • Welcome Perks
    • Complimentary Service

    In short, it doesn’t just give you instant credit; it enables you to step up to the dream life you’ve always wanted and delights by adding to your savings too!

  • What are the 4 types of credit cards?

    Credit Cards are broadly classified as follows -

    1. Retail/Consumer Credit Cards
    2. FD backed/Secured Credit Cards
    3. Co-branded Credit Cards
    4. Commercial Credit Cards

    For details on Bank of Baroda Credit Cards – visit BOB Financial site

  • How many credit cards can I have?

    Usually, banks offer 1 credit card to every customer, few banks also offer multiple credit cards to the same customer. For ex: Retail Card for personal use and Business or Corporate Credit Card for official expenses.

  • Can I pay a person with a credit card?

    Payments by credit cards are not permitted for P2P transactions. However, credit card loans are available. (Conditions apply)

  • Can I use my credit card for international transactions?

    Of course, yes. Please keep in mind that you must first enable your Bank of Baroda credit card for foreign transactions.

    1. Log in to the Bank of Baroda Credit Card customer online OR mobile app
    2. Navigate to ‘Go to Menu’
    3. Select the 'Card usage/management' option
    4. Activate your card for international use instantly by following the screen instructions.
  • Can I transfer money from credit card to bank account?

    No. Certain credit card transactions are not permitted, and one of them is the transfer of funds to a bank account.

  • What should you do in the case of theft or loss of your credit card?

    In case of any theft, unauthorized transaction or fear of fraudulent use on your card, you can permanently block your card using any of the options -

    1. SMS BLOCK XXXX to 9223172141 from your registered mobile number (XXXX is the last 4 digits of your card)

    2. Log in to the Bank of Baroda Credit Card customer portal or mobile app -> Go to Menu & Select the 'Card Block' option and immediately block your card following the screen instructions.

  • How much cash can I withdraw from credit card?

    Every card comes with a sub-limit for cash withdrawals, you can use your card up to that amount for cash withdrawal at the ATM using your credit card. You can confirm your cash limit by calling customer service number printed on your credit card.

  • When can I redeem my credit card reward points?

    Every card has a cash withdrawal sub-limit. You can use your credit card to withdraw cash from an ATM up to that amount. Call the customer support number on the back of your credit card to confirm your cash limit.

  • How do I increase my credit card limit?

    You can call the customer support number on your credit card to see if you are qualified for a higher limit or to learn how to request one.

  • How is my credit card limit decided?

    The bank determines the credit card limit based on one's income, existing debts, and performance on past repayments (if any).

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