Bank of Baroda launched the Bank of Baroda Eterna Credit Card in 2023. It is designed to meet the needs of high-spending individuals. These cards offer a chance to lead an elite lifestyle to all. 

This premium credit card provides exciting reward points on purchases and movie ticket discounts. It also offers some travel perks and complete insurance coverage. 

With features such as fee waivers for planned spending and milestone bonuses, the Eterna card ensures users maximize their benefits. This card is a perfect blend of convenience and rewards. It is ideal for those who appreciate luxury and value. Altogether, it is a top choice for discerning consumers.

What to do with these reward points? 

The Bank of Baroda Eterna Credit Card provides impressive rewards to customers. This makes it an excellent choice for those who love to enjoy earning rewards for their spending. 

Users earn 15 reward points for every Rs100 spent on dining and international transactions. This means that frequent spenders are generously rewarded. 

Cardholders earn 3 reward points for every Rs100 they spent on other expenses. Mastercard cardholders can earn 1.5 reward points for every Rs100 spent on specific categories. A reward point equals Rs 0.25. This adds a specific value to your every single transaction.

To maximize these rewards, users can focus on utilizing their Eterna Credit Card for everyday expenses and major purchases. Collected points can be redeemed for so many options. 

You can use it for travel bookings and shopping vouchers. This allows cardholders to balance future expenses and indulge in special treats.

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Enjoy the perks of the Eterna card! 

The Bank of Baroda Eterna Credit Card helps to improve the users’ lifestyle. Customers will get special offers to meet their luxury needs. 

Cardholders get a complimentary six-month Fitpass Pro membership. It costs around Rs 15000. This membership provides access to various fitness centers. It helps cardholders maintain a healthy and active lifestyle.

For golf fans, the Eterna Credit Card offers complimentary tee-offs at select golf courses. This offer is exclusively available for Mastercard Network Cardholders. This perk adds a touch of enjoyment to your favorite activities.

Movie lovers can utilize the buy one get one free offer on movie tickets. Cardholders can have a maximum discount worth Rs 250 for a month. This makes entertainment more affordable.

Dining and travel are more improved with special deals and discounts. Mastercard network Eterna cardholders can enjoy fine dining experiences and luxurious stays. Make your outings and vacations more memorable with an Eterna Credit Card.

These lifestyle benefits and rewards make the Bank of Baroda Eterna Credit Card a perfect choice to hold. 

Fee waiver benefits  

The Bank of Baroda Eterna Credit Card offers attractive fee waiver benefits to customers. This improves its value for savvy spenders. Cardholders can get their joining fee reversed by spending Rs 25000 within the first 60 days of card issuance. 

For instance, a cardholder spends Rs 2.5 lakhs in a year. The annual fee will be waived for consequent years. These fee waivers provide notable savings and incentivize calculated spending. So, cardholders can enjoy the premium features and benefits without worrying about recurring fees.

Do you love to travel? Eterna Card has got you covered! 

The Bank of Baroda Eterna Credit Card offers various benefits to fulfill the needs of frequent travelers. 

Starting with the 1% fuel surcharge waiver on fuel transactions across India. This is applicable for transactions between Rs 400 to 5000. This allows cardholders to save on fuel expenses.

Do you frequently travel by air? If yes, the Eterna Credit Card provides unlimited access to domestic airport lounges in India. This feature ensures that cardholders can relax and enjoy premium facilities before getting on their flights.

Milestone benefits 

Besides all these the Eterna Credit Card also offers a few milestone benefits to customers. If a cardholder spend Rs 50000 within the first 60 days of card issuance, they will be rewarded with 10000 bonus reward points. 

Spending Rs 5 lakhs in a year earns an additional 20000 bonus points for you. Customers can redeem these rewards for various travel expenses. So that it is easier for cardholders to plan and enjoy their trips.

Don’t ever miss out on Insurance coverage! 

The Bank of Baroda Eterna Credit Card has robust insurance benefits that add additional value to the card.

Cardholders receive extensive insurance coverage. The Eterna Credit Card includes personal accidental death coverage worth Rs1 crore for air travel incidents and Rs10 lakhs for non air travel incidents. Using this cardholders and their families are financially protected in an unfortunate accident.

The card offers zero liability for fraudulent transactions. Customer have to report it within 24 hours of the card being lost. So, customers are not responsible for unauthorized transactions made using their cards. 

What else is to be covered? 

Besides all these, the Eterna Credit Card also includes several additional perks. Cardholders can get three additional cards for their family members without any charges for a lifetime. This allows families to share the card’s benefits and maximize their value.

The SmartEMI feature is another valuable addition. Cardholders can convert purchases worth Rs 2500 into monthly installments. It is easy for customers to manage larger expenses and maintain financial stability.

Know about the Bank of Baroda Eterna Credit Card charges

The Bank of Baroda Eterna Credit Card comes with a few charges. Users should be aware of this to manage their finances. The cash advance fee is 2.5% for the amount withdrawn.

If you exceed the credit limit, you should pay a 2.5% as a limit penalty. The minimum repayment amount is 5% on the outstanding balance. There is a charge of Rs 25 for each duplicate bill requested.

Late payment fees vary based on the overdue amount. Awareness of these charges helps you optimize your credit card usage and avoid unnecessary fees.   

So, how much can you save annually using an Eterna card? 

Using the Bank of Baroda Eterna Credit Card will give you greater annual savings. Are you spending Rs 2.5 lakhs in a year? Then, you are eligible for high reward points. 

Annual Fee Waiver 

The annual fee waiver is granted for spending Rs 2.5 lakhs. It could save around Rs 5000 per year. It depends on the specific terms.

Reward Points 

If the card offers 15 reward points for every spent Rs 100. Assume a conservative estimate of 10000 reward points earned annually. This could translate to Rs 2500 in rewards.

A cardholder could save up to Rs7500 annually combining all these savings and rewards using the Bank of Baroda Eterna Credit Card. 

For the maximum spend, consider the following table: 

Savings Component	Estimated Amount
Annual Fee Waiver	Rs10,000 based on spend of Rs5 lakhs
Estimated Reward Points	Rs 12,500 for 50,000 points at Rs 0.25 per point
Total Potential Savings	Rs 22,500

This table shows how maximizing the perks of the Eterna Credit Card can result in annual savings. 

Summing up The Bank of Baroda Eterna Credit Card is a useful tool to manage your financial elements. Customers can save more from annual fees and earn extensive rewards on everyday expenses. Ready to lift your financial tactic and lifestyle? Explore how the Eterna Credit Card can increase your savings and enrich your experiences today!