Bank of Baroda

Eterna

Bank of Baroda Eterna

A premium lifestyle card for high spenders, pairing unlimited domestic lounge access with about 3.75% back on travel, dining, and online spending up to a monthly cap.

traveldininglifestylepremium

Also available on RuPay

Bank of Baroda Eterna is issued on more than one network — each has different rewards and lounge access.

Bank of Baroda
RuPay
Eterna
RuPay variant
RuPay variant of the Eterna card (Mastercard sibling launched first); adds UPI linking via Google Pay, PhonePe, and Paytm, but the Mastercard sibling's golf perk is explicitly branded a 'Mastercard Golf Benefit' and is not confirmed to carry over to this network.

Last reviewed 14 July 2026

Fees

Joining fee

₹2,499

Annual fee

₹2,499

Waiver: Annual fee waived on spend of ₹2,50,000 or more in the preceding year; joining fee is separately waived on ₹25,000 spend within the first 60 days. A limited-period Lifetime Free promotional offer (zero joining/annual fee for new BOBCARD customers) has also been running, with reported end dates ranging from 30 June to 31 July 2026 depending on the source, so it may or may not still be live by the time this is read.

Eligibility

Age: 21–65 yrs

Employment: salaried, self employed

Rewards

travel15x points(cap 5,000 points/1mo)

dining15x points(cap 5,000 points/1mo)

online shopping15x points(cap 5,000 points/1mo)

groceries3x points

fuel0x points

all other3x points

Welcome benefits

• 10,000 bonus Reward Points on spending ₹50,000 within the first 60 days of card issuance
• Complimentary FitPass Pro gym membership as a welcome gift, now 12 months (upgraded in 2026 from 6 months in 2025); third-party value estimates for this membership vary widely (₹15,000 to ₹48,000 depending on source) and are not independently confirmed, so no value estimate is asserted here

Perks

✓Domestic lounge access: unlimited/yrUnlimited complimentary access to 60+ domestic airport lounges (Encalm, Adani, and other network lounges), subject to a minimum spend of ₹75,000 in the preceding calendar quarter. This threshold was raised from ₹40,000 effective 15 July 2026, a significant devaluation from the card's original terms.
✓Fuel surcharge waiver: 1%Capped at ₹250/month
✓Forex markup: 2%
✓Complimentary golf benefit on the Mastercard variant; specific rounds/venue details are not separately confirmed
✓Additional 20,000 bonus Reward Points milestone on ₹5,00,000 annual spend
✓Card is issued on Visa, Mastercard, or RuPay networks depending on applicant choice; the RuPay variant supports UPI linking (Google Pay, PhonePe, etc.)
✓Reward points valid for 2 years from date of accrual; redemption requires a minimum of 1,000 points, redeemable as statement credit at 1 point = ₹0.25
✓No reward points are earned on fuel purchases; only the fuel surcharge waiver applies
✓Up to 3 complimentary add-on cards

Common questions

What is the annual fee on the Bank of Baroda Eterna?: The joining fee is ₹2,499. The annual fee is ₹2,499. Annual fee waived on spend of ₹2,50,000 or more in the preceding year; joining fee is separately waived on ₹25,000 spend within the first 60 days. A limited-period Lifetime Free promotional offer (zero joining/annual fee for new BOBCARD customers) has also been running, with reported end dates ranging from 30 June to 31 July 2026 depending on the source, so it may or may not still be live by the time this is read.
What are the reward rates on the Bank of Baroda Eterna?: Bank of Baroda Eterna earns 15x points on travel, 15x points on dining, 15x points on online shopping, 3x points on groceries, 3x points on all other spends.
Does the Bank of Baroda Eterna offer airport lounge access?: Yes: unlimited domestic lounge visits per year (Unlimited complimentary access to 60+ domestic airport lounges (Encalm, Adani, and other network lounges), subject to a minimum spend of ₹75,000 in the preceding calendar quarter. This threshold was raised from ₹40,000 effective 15 July 2026, a significant devaluation from the card's original terms.).
Who is eligible for the Bank of Baroda Eterna?: Applicants typically need a minimum annual income of ₹12,00,000, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by Bank of Baroda and can vary by application.
Is the Bank of Baroda Eterna available on other networks?: Yes, it's also issued on RuPay. RuPay variant of the Eterna card (Mastercard sibling launched first); adds UPI linking via Google Pay, PhonePe, and Paytm, but the Mastercard sibling's golf perk is explicitly branded a 'Mastercard Golf Benefit' and is not confirmed to carry over to this network.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Travel

₹

15x points· cap 5,000 points/1mo

Dining

₹

15x points· cap 5,000 points/1mo

Online shopping

₹

15x points· cap 5,000 points/1mo

Groceries

₹

3x points

Fuel

₹

0x points

Everything else

₹

3x points

Estimated annual value—

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Annual fee

₹4,500

Up to

2x points

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Annual fee

₹10,000

Up to

2x points

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Annual fee

₹5,000

Up to

2x points

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Fees

Joining fee

₹2,499

Annual fee

₹2,499

Rewards

travel15x points(cap 5,000 points/1mo)

dining15x points(cap 5,000 points/1mo)

online shopping15x points(cap 5,000 points/1mo)

groceries3x points

fuel0x points

all other3x points

Welcome benefits

• 10,000 bonus Reward Points on spending ₹50,000 within the first 60 days of card issuance
• Complimentary FitPass Pro gym membership as a welcome gift, now 12 months (upgraded in 2026 from 6 months in 2025); third-party value estimates for this membership vary widely (₹15,000 to ₹48,000 depending on source) and are not independently confirmed, so no value estimate is asserted here

Perks

✓Domestic lounge access: unlimited/yrUnlimited complimentary access to 60+ domestic airport lounges (Encalm, Adani, and other network lounges), subject to a minimum spend of ₹75,000 in the preceding calendar quarter. This threshold was raised from ₹40,000 effective 15 July 2026, a significant devaluation from the card's original terms.

✓Fuel surcharge waiver: 1%Capped at ₹250/month

✓Forex markup: 2%

✓Complimentary golf benefit on the Mastercard variant; specific rounds/venue details are not separately confirmed

✓Additional 20,000 bonus Reward Points milestone on ₹5,00,000 annual spend

✓Card is issued on Visa, Mastercard, or RuPay networks depending on applicant choice; the RuPay variant supports UPI linking (Google Pay, PhonePe, etc.)

✓Reward points valid for 2 years from date of accrual; redemption requires a minimum of 1,000 points, redeemable as statement credit at 1 point = ₹0.25

✓No reward points are earned on fuel purchases; only the fuel surcharge waiver applies

✓Up to 3 complimentary add-on cards

Common questions

What is the annual fee on the Bank of Baroda Eterna?

The joining fee is ₹2,499. The annual fee is ₹2,499. Annual fee waived on spend of ₹2,50,000 or more in the preceding year; joining fee is separately waived on ₹25,000 spend within the first 60 days. A limited-period Lifetime Free promotional offer (zero joining/annual fee for new BOBCARD customers) has also been running, with reported end dates ranging from 30 June to 31 July 2026 depending on the source, so it may or may not still be live by the time this is read.

What are the reward rates on the Bank of Baroda Eterna?

Bank of Baroda Eterna earns 15x points on travel, 15x points on dining, 15x points on online shopping, 3x points on groceries, 3x points on all other spends.

Does the Bank of Baroda Eterna offer airport lounge access?

Yes: unlimited domestic lounge visits per year (Unlimited complimentary access to 60+ domestic airport lounges (Encalm, Adani, and other network lounges), subject to a minimum spend of ₹75,000 in the preceding calendar quarter. This threshold was raised from ₹40,000 effective 15 July 2026, a significant devaluation from the card's original terms.).

Who is eligible for the Bank of Baroda Eterna?

Applicants typically need a minimum annual income of ₹12,00,000, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by Bank of Baroda and can vary by application.

Is the Bank of Baroda Eterna available on other networks?

Yes, it's also issued on RuPay. RuPay variant of the Eterna card (Mastercard sibling launched first); adds UPI linking via Google Pay, PhonePe, and Paytm, but the Mastercard sibling's golf perk is explicitly branded a 'Mastercard Golf Benefit' and is not confirmed to carry over to this network.

Bank of Baroda Eterna

Also available on RuPay

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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Bank of Baroda Eterna

Also available on RuPay

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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