Experience premium lifestyle privileges with exceptional travel and dining rewards
5X Reward Points on travel, dining & international spends
Unlimited domestic airport lounge access
Lifetime free till 31st March 2026
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| Benefit | Details |
|---|---|
| 5X Accelerated Rewards | Earn 15 reward points per ₹100 spent on travel, dining, online shopping, and international transactions. Maximum 5,000 reward points per statement cycle. |
| Travel Benefits | Unlimited complimentary domestic airport lounge access subject to ₹40,000 quarterly spend. Reduced 2% forex markup on international transactions. |
| Welcome Perks | Complimentary 6-month FITPASS Pro membership worth ₹15,000 and 10,000 bonus reward points on spending ₹50,000 within first 60 days. |
| Milestone Rewards | Additional 20,000 bonus reward points on annual spends of ₹5,00,000. |
| Entertainment Benefits | Buy 1 Get 1 offer on movie tickets via District app, up to ₹250 per month. |
| Insurance Coverage | Air accident cover up to ₹1 Crore and non-air accident cover up to ₹10 Lakhs. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Bank of Baroda |
| Bank / Non-bank | Bank-affiliated |
| Category | Premium Lifestyle / Travel & Dining |
| Type of Card | Mastercard Credit Card |
| Free or Paid | ₹2,499 + GST Annually (Lifetime free offer valid till 31st March 2026; Fee waived on ₹2,50,000 annual spends) |
The Bank of Baroda ETERNA SECURE Credit Card is the perfect choice for individuals seeking a premium lifestyle experience with exceptional value on travel, dining, and international expenditure. Designed for high performers who appreciate luxury and smart savings, this card delivers comprehensive benefits, including unlimited domestic lounge access, accelerated reward points on premium spending categories, and exclusive entertainment offers. With complimentary fitness membership and milestone-based bonus rewards, ETERNA offers savings of up to ₹81,000 annually while enhancing your lifestyle with sophisticated privileges and convenience.
Premium Lifestyle Experience: ETERNA is crafted for discerning customers who value sophisticated travel privileges, premium dining experiences, and exclusive lifestyle benefits. The card's elegant design and comprehensive feature set reflect its position as a premium offering in Bank of Baroda's credit card portfolio.
Accelerated Rewards Programme: Earn 5X reward points (15 points per ₹100) on key spending categories including travel bookings, dining (both online and offline), international transactions, and online shopping. Additional bonus rewards of up to 30 points per ₹100 are available when booking hotels through BOBCARD SmartDeal, making this one of the most rewarding travel credit cards in India.
Unlimited Lounge Access: Access over 1,000+ domestic airport lounges across India without any restrictions, subject to meeting the quarterly spend criteria of ₹40,000. This benefit alone can save you thousands annually whilst providing comfort and convenience during your travels.
International Travel Advantages: With a reduced forex markup of just 2% (compared to the industry standard of 3.5%), ETERNA is exceptionally cost-effective for international spenders. Combined with 5X reward points on foreign currency transactions, this translates to effective savings of approximately 1.75% on international purchases.
Comprehensive Welcome Benefits: New cardholders receive a complimentary 6-month FITPASS Pro membership valued at ₹15,000, providing access to 7,500+ gyms and fitness centres across 50+ cities. Additionally, earn 10,000 bonus reward points upon spending ₹50,000 within the first 60 days of card activation.
Entertainment & Dining Privileges: Enjoy Buy 1 Get 1 movie ticket offers (up to ₹250 monthly) via the District app, making every cinema visit more affordable. The card's 5X rewards on dining ensure substantial savings whether you're enjoying fine dining or casual meals.
Milestone Incentives: The generous milestone rewards programme offers 10,000 bonus points for spending ₹50,000 in the first 60 days and an impressive 20,000 bonus points for ₹5,00,000 in annual spends, encouraging cardholders to maximise their card usage whilst earning additional value.
Safety & Protection: Comprehensive insurance coverage includes air accident protection up to ₹1 Crore and non-air accident cover up to ₹10 Lakhs, providing peace of mind for you and your family. The card also features contactless payment technology and zero liability protection on lost cards.
Easy Application Process: Apply digitally through the Bank of Baroda website or mobile app with a streamlined 3-step process: complete the online form, e-sign using Aadhaar, and verify your identity through video KYC. Cards are typically issued within 7-10 working days of application approval.
The ETERNA SECURE Credit Card combines premium benefits with practical savings, making it an excellent choice for professionals, frequent travellers, and lifestyle enthusiasts who seek both luxury and value in their credit card experience.
5X Reward Points on Premium Categories
Earn 15 reward points per ₹100 spent on:
Travel bookings (flights, hotels, holiday packages)
Dining (restaurants, cafés, food delivery apps)
Online shopping (e-commerce platforms)
International transactions (foreign currency spends)
Maximum earning capped at 5,000 reward points per statement cycle on these categories. Further spends in the same statement cycle will earn reward points at the regular 3X rate.
Additional Bonus Rewards on Travel
Extra 12 reward points per ₹100 on flight bookings via BOBCARD SmartDeal. Extra 30 reward points per ₹100 on hotel bookings via BOBCARD SmartDeal.
This means you can earn up to 45 reward points per ₹100 (equivalent to 11.25% value back) on hotel bookings through SmartDeal.
3X Base Reward Points
Earn 3 reward points per ₹100 spent on all other eligible retail purchases.
Milestone Bonus Rewards
10,000 bonus reward points on spending ₹50,000 within the first 60 days of card activation. 20,000 bonus reward points on spending ₹5,00,000 in a card anniversary year.
Cashback Redemption
Redeem accumulated reward points as cashback at the rate of 1 reward point = ₹0.25. No minimum redemption requirement for cashback. Cashback can be credited directly to your credit card statement balance.
BOBCARD SmartDeal Portal
Redeem points for flights, hotels, merchandise, gift vouchers, and experiences through the SmartDeal rewards portal. Flexible redemption options with a wide variety of brands and products.
Reward Points Validity
Reward points are valid for 3 years from the date of earning. Points will expire if not redeemed within the validity period.
Unlimited Domestic Airport Lounge Access
Access over 1,000+ airport lounges across India. Subject to minimum quarterly spend of ₹40,000 in the preceding calendar quarter. Effective from 1st January 2025. Valid for primary cardholder only.
View the complete list of participating lounges at bobcard.co.in.
Reduced Forex Markup
Only 2% forex markup on international transactions (significantly lower than the standard 3.5%). Saves approximately 1.5% on every foreign currency transaction compared to standard cards.
Complimentary FITPASS Pro Membership
6-month FITPASS Pro membership worth ₹15,000 as a welcome benefit. Access to 7,500+ gyms and fitness centres across 50+ cities in India. Includes yoga studios, swimming pools, Zumba classes, sports facilities, and more. Benefit valid for 60 days from card issuance date. Applicable on primary card only. Visit fitpass.co.in/bobcards to activate your membership.
Buy 1 Get 1 Movie Tickets
Up to ₹250 discount per month on movie tickets via District app. Valid once per user per month on all days of the week. To avail: Select BOBCARD Eterna offer or enter promo code 'BOBMOVIES' before payment. Annual savings of up to ₹3,000 on movie entertainment.
Fuel Surcharge Waiver
1% waiver on fuel transactions between ₹400 and ₹5,000. Maximum benefit of ₹250 per statement cycle. Note: No reward points are earned on fuel transactions. GST component is not reversed.
Joining Fee Waiver
Standard joining fee: ₹2,499 + GST. Lifetime free offer valid till 31st March 2026. Post-offer period: Fee waived on spending ₹25,000 within first 60 days of card activation.
Annual Fee Waiver
Standard annual fee: ₹2,499 + GST. Fee waived on spending ₹2,50,000 in the preceding card anniversary year. Fee reversal applicable only to non-delinquent credit cardholders.
Comprehensive Personal Accident Insurance
Air accident death cover: ₹1 Crore. Non-air accident death cover: ₹10 Lakhs. Provides financial protection for your family.
Zero Liability on Lost Card
Report loss immediately to ensure zero liability on unauthorised transactions. 24/7 fraud monitoring and instant SMS alerts.
Smart EMI Options
Convert purchases above ₹2,500 into EMIs of 6 to 48 months. Flexible repayment tenures to manage cash flow effectively.
Complimentary Add-on Cards
Up to 3 lifetime free add-on cards for spouse, parents, siblings, or children above 18 years. Add-on cardholders share the credit limit with the primary cardholder.
Contactless Payments
Wireless chip technology for secure and faster tap-and-pay transactions. Enhanced security with encrypted payment processing.
Reward points are not earned on the following transactions:
Fuel purchases
Agriculture transactions
Contractor payments
Transportation expenses
Telecom recharges
Rent payments
Cleaning and maintenance
Laundry services
Insurance premiums
Select personal services
Government-related payments
Educational fees
Hospital bills
Wallet loads
Charity donations
Supermarket and convenience store purchases (in some cases)
Variety/retail stores
Fast food restaurants (in some cases)
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹2,499 + GST (~₹2,949) | Lifetime free offer valid till 31st March 2026. Post-offer: Waived on spending ₹25,000 within first 60 days. |
| Annual Fee | ₹2,499 + GST (~₹2,949) | Charged annually. Waived on spending ₹2,50,000 in the preceding card anniversary year. |
| Interest Rate (APR) | 3.25% per month (39% annually) | Applicable on outstanding balances carried beyond the due date. |
| Foreign Currency Markup | 2% | Significantly lower than standard 3.5% forex markup. |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) | Applicable on ATM cash withdrawals. |
| Cash Payment Processing Fee | ₹250 | Charged for cash payments made at Bank of Baroda branches. |
| Cheque Payment Processing Fee | ₹100 | Charged for cheque payments. |
| Overlimit Penalty | 2.5% of overlimit amount (minimum ₹600) | Charged when spending exceeds sanctioned credit limit. |
| Late Payment Charges | ₹0 to ₹1,300 | As per outstanding amount: Up to ₹100: Nil; ₹100-₹500: ₹100; ₹501-₹1,000: ₹400; ₹1,001-₹10,000: ₹750; ₹10,001-₹25,000: ₹950; ₹25,001-₹50,000: ₹1,100; Above ₹50,000: ₹1,300 |
| Cheque Return/ Auto Debit/ SI Bounce Fee | 2% of payment amount (minimum ₹500) | Charged when payment is dishonoured. |
| Duplicate Statement Fee | ₹25 per bill | For requesting duplicate physical statements. |
| Card Replacement Fee | ₹100 | Applicable for lost, stolen, or damaged card replacement. |
| Charge Slip Retrieval Fee | ₹250 per slip | For requesting transaction charge slip copies. |
| Processing Fee on Select Transactions | 1% | Applicable on: Rent payments (exceeding ₹50,000), Wallet loading, Utility bills (exceeding ₹50,000), Fuel transactions (exceeding ₹10,000). |
| Criteria | Details |
|---|---|
Citizenship | Must be a Resident of India |
Age (Salaried) | Primary cardholder: 21 to 60 years |
Age (Self-employed) | Primary cardholder: 24 to 65 years |
Age (Add-on Card) | Above 18 years |
Employment Status | Salaried or Self-employed |
Net Annual Income | Minimum ₹12 Lakh per annum |
Credit Score | Good CIBIL score (ideally 750-900) recommended |
Existing Relationship | No prior banking relationship required |
| Document Type | Details |
|---|---|
| Recent Photograph | Passport size photograph with clear/white background and without dark/tinted glasses |
| Identity Proof | Any one of the following: PAN Card (Mandatory), Aadhaar Card, Passport, Driving Licence, Voter ID Card |
| Address Proof (if same as permanent) | Any one of the following: Aadhaar Card (both sides), Driving Licence, Passport, NREGA-issued Job Card (signed by State Government officer), NPR Letter with name and address |
| Address Proof (if different from permanent) | Any one of the following: Utility Bill (not older than 2 months), Property or Municipal Tax Receipt (latest), Pension Payment Order with address, Letter of Allotment from Employer (Govt/PSU/listed companies), Leave & Licence Agreement |
| Income Proof (Salaried) | Bank Statement reflecting salary credit for last 2 months, Salary Slips (if submitted, must be accompanied with bank statement) |
| Income Proof (Self-employed) | Bank Statement in PDF format showing last 3 months' business transactions, Other financial documents as required |
| PAN Card | Mandatory for all credit card applications in India |
Step 1: Visit the Official Website - Go to the BOBCARD ETERNA SECURE Credit Card page on the official BOBCARD website.
Step 2: Fill in the Application Form - Enter your basic personal and contact details and submit the online application form.
Step 3: Complete Aadhaar E-Sign - Digitally sign your application using Aadhaar-based e-sign, which removes the need for physical paperwork.
Step 4: Complete Video KYC - Verify your identity through a real-time Video KYC process. This step is quick and helps speed up approval.
| Usage Tips | Details |
|---|---|
Maximise Travel Rewards | Use the card for all flight bookings, hotel reservations, and holiday packages to earn 5X rewards (15 points per ₹100). Book through BOBCARD SmartDeal to earn up to 45 points per ₹100 on hotels. |
Optimise Dining Benefits | Earn 5X rewards on all dining spends - both dine-in at restaurants and food delivery apps. The accelerated rewards make every meal more rewarding. |
Leverage International Benefits | With just 2% forex markup (vs standard 3.5%), this card is excellent for international shopping and travel. Earn 5X rewards on foreign spends for additional value. |
Track Quarterly Spends for Lounge Access | Ensure you spend at least ₹40,000 per calendar quarter to maintain unlimited domestic airport lounge access. Monitor your spends to avoid missing this valuable benefit. |
Utilise Movie Offers | Save up to ₹250 monthly on movie tickets through the District app using promo code 'BOBMOVIES'. That's ₹3,000 in annual savings on entertainment. |
Monitor Monthly Reward Caps | 5X rewards are capped at 5,000 points per statement cycle on premium categories. Plan your high-value spends across months to maximise rewards. |
Activate FITPASS Membership | Don't forget to activate your complimentary 6-month FITPASS Pro membership (worth ₹15,000) within 60 days of card issuance. Visit fitpass.co.in/bobcards to register. |
Meet Milestone Targets | Aim to spend ₹50,000 in the first 60 days to earn 10,000 bonus points. Target ₹5,00,000 annually for 20,000 bonus points and maintain fee waiver benefit. |
Use Smart EMI Facility | Convert large purchases above ₹2,500 into convenient EMIs of 6-48 months to manage your finances better whilst earning rewards. |
Maintain Spend for Fee Waiver | Spend ₹2,50,000 annually to ensure your renewal fee is waived. Track your annual spends to maintain lifetime free status. |
Set Up Auto-debit | Enable auto-debit for your credit card bill payments to avoid late payment charges and maintain a good credit score. |
Enable SMS Alerts | Keep transaction alerts active to monitor all card usage and quickly identify any unauthorised transactions for zero liability protection. |
Use Contactless Payments | Take advantage of the contactless feature for quick, secure payments under ₹5,000 without PIN entry. |
Register on BOBCARD Portal | Register on the BOBCARD online portal and mobile app to track rewards, redeem points, view statements, and manage your account easily. |
Redeem Rewards Strategically | Redeem points as cashback at ₹0.25 per point or use the SmartDeal portal for potentially higher value redemptions on travel and products. |
The Bank of Baroda ETERNA SECURE Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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