BOB ETERNA Credit Card

The significant characteristics of this credit card are listed below:

Travel Transaction Features -

• The user will get 15 reward points for every Rs. 100 spent through the card. 
• The card users can avail of unlimited complimentary Bank of Baroda Eterna credit card airport lounge access for domestic flights.
• You can save upon international spending with a reduced Forex markup of up to 2%.

Fitness Activity Transaction Features -

• The user can get a free six-month Fitpass pro membership (worth Rs. 15,000) as a welcome gift through the card. 

Dining and Food Transaction Features - 

• The user can earn 12 reward points over every Rs. 100 spent on dining (bank's terms and conditions apply)

Entertainment Transaction Features -

• The user will earn 15 reward points over every Rs. 100 spent online shopping.
• If the card user buys one movie ticket at Paytm Movies, they will get another free (up to Rs. 250 per card per month)

The rewards of this credit card based on its usage are listed in detail below:

1. Milestone Rewards: You can earn 10,000 bonus reward points on the spending of Rs. 50,000 in the first 60 days & 20,000 bonus reward points on the spending of Rs. 5,00,000 in a year. 
2. Fuel Surcharge Waiver: There is a 1% fuel surcharge waiver at every fuel station in the country (for transactions between Rs. 400 and Rs. 5,000.) Note: There are no reward points earned on fuel transactions. 
3. Smart EMIs: You can convert purchases of more than Rs. 2,500 into an easy EMI. The tenure of the EMIs can range from 6 months to 36 months.
4. Insurance Cover (In-Built): Through this credit card, the user will get a free personal accidental death cover to ensure the financial protection of the entire family. 
5. Add-On Card: The cardholder will get up to 3-lifetime free add-on cards for parents, spouses, siblings, and kids.
6. Zero Liability for Lost Eterna Credit Card: The user can report a card loss instantly to ensure zero liability for fraud activities. 
7. Core Reward Points of the Card: Cardholders will get three reward points for every Rs. 100 spent on other category transactions. 
8. Cashbacks: The cardholder can redeem reward points as cashback and other options. 

The current BOB Eterna credit card charges are listed below:

• Joining Fee Waiver (First Year): By spending ₹ 25,000 within the first 60 days of the card setup date, the joining fee will be waived completely
• Subsequent years: The annual fee will be waived by spending ₹ 2.5 Lakhs or more in a year.

The eligibility to apply for this credit card is as follows:

One of the below-mentioned categories of documents will have to be provided during the application for the card:

1. a) ID Proof: PAN (Mandatory), Aadhaar, Voter ID, Passport, Permanent DL
2. b) Address Proof: Aadhaar, Voter ID, Passport, Permanent DL, Utility Bill, Property or Municipality tax receipt, Rental agreement, house allotment letter
3. c) Income Proof: Salary payslip of 2 months, bank statement with salary credits, Self-employed - ITR.

You could apply for an Eterna credit card offline or through the bank's official portal.

You will have to find the nearest bank branch with the essential documents and opt to apply for the card by filling out the physical application form.

If you want to apply for the card online - you can follow the steps listed below:

Step 1: Visit www.bobfinancial.com/prime.jsp

Step 2: Choose the Eterna Card of the Bank of Baroda. 

Step 3: Click on the 'Apply Now' option.

Step 4: Fill the required information on the application form.

Step 5: Complete the KYC and verify your details.

The bank will acknowledge your application when all details are provided and revert back to you within a few working days.

There are other banks providing credit cards similar to Eterna, and are listed in the table below: