Name: Bank of Baroda Eterna Credit Card
Brand: Bank of Baroda
Price: 2499 INR
Rating: 4.7 (1 reviews)

Bank of Baroda Eterna Credit Card

(

4.7 )

Beginner

Best For: Online Shopping

From

Approval Rate:

Powered By

Bank of Baroda Eterna Credit Card

Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Shopping

Reward %

0.75 - 3.75

Joining Fees

₹

2499

Renewal Fees

2499

APR

39%

Welcome Benefit

Complimentary 6-months FITPASS Pro membership of Rs. 15,000

Renewal Benefits

Annual Fee: Waived on spending Rs. 2.5 lakh in a year

USP's:

Up to 10X bonus rewards on travel

Fees & Charges

Joining & Renewal Fees

2499

Interest & Charges

APR: 39% per annum

Foreign Currency Markup: 2%

Cash Advance Fee: 2.5% of the amount (minimum of Rs.500)

Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations across India

Late Payment Charges:

Less than Rs. 100 : Nil

Rs. 100 to Rs. 500 : Rs. 100

Rs. 501 to Rs. 1,000 : Rs. 400

Rs. 1,001 to Rs. 10,000 : Rs. 750

Rs. 10,001 to Rs. 25,000 : Rs. 950

Rs. 25,001 to Rs. 50,000 : Rs. 1,100

More than Rs. 50,000 : Rs. 1,300

Additional Charges

Rewards Redemption Fee:

Nil

Rewards

Regular Rewards on Eligible Spends

Up to 10X Reward Points on Travel Spends

Milestone Benefits

Spend Rs.5L in statement year to receive 20,000 Bonus Reward Points

Exclusions

Fuel, Jewellery, Rent, Wallets

Rewards capping

Rewards Validity

Never Expire

Redemption modes

Catalogue Products

Cashback

Additional Features

Lounge Benefits

Domestic: Unlimited (Spend Rs.40000 in previous quarter)

Insurance Benefits

Accidental Death Cover (Worth ₹1 Crore in Case of Air Accident and ₹10 Lakh in Non-Air Accident Cases)

Other Perks

Buy One Get One on Movie Tickets Booked Through District App (Max Discount Capped at ₹250/Month)

Eligibility Criteria

Age

18Y

Min

55Y

Max

Credit Score

750 Ex Min

Income

(

Salaried

)

₹

Rs. 12Lakh or more

Income

(

Self Employed with ITR

)

₹

Rs. 12Lakh or more

Other: Card-to-card eligibility requirements.

Pros

High reward rate (3.75%) on international and travel spends.

Unlimited complimentary domestic lounge access (spend-based).

Low foreign currency markup (2.0%).

Complimentary golf rounds and lessons.

Attractive welcome and milestone bonus rewards.

Cons

A Little high Annual fee (₹2,499 + taxes), though waivable.

Rewards redemption value is low for non-travel items (₹0.25/point).

High monthly cap on accelerated reward categories.

Many major categories (fuel, utility, rent) are excluded from rewards.

No complimentary international airport lounge access.

Terms and Conditions *

Axis Horizon Credit Card

★★★★★

(3.7)

Best For: Travel Bank: Axis Bank Ltd Network: Multiple Network

View Details Apply Now

Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Rewards	1% - 5%	₹3000	5000 EDGE Miles credited on the first transaction greater than or equal to INR 1000 within 30 ...	₹3000	1,500 EDGE Miles credited on anniversary year	Travel	5 EDGE Miles on every INR 100 spent on Axis Bank Travel EDGE portal and direct airline website...

BOB Tiara credit card

★★★★★

(3.8)

Bank: Bank of Baroda

View Details Apply Now

Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
N/A	N/A	Free	-	Free	-	N/A	-