BoB Eterna Credit Card

Joining Fee: 2500
Renewal Fee: 2500
Best Suited For: Shopping
Reward Type: Reward Points
Welcome Benefites: 6-month FitPass Pro membership worth Rs. 15,000 and 10,000 bonus reward points.

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BOB Financial, which is a wholly-owned subsidiary of Bank of Baroda, last year added four new credit cards including the Eterna card to their diverse catalog of credit cards. It comes with a complimentary FitPass Pro membership and 10,000 bonus reward points as a welcome gift. The Eterna card, which is the premium-most offering by the bank comes with a host of benefits including unlimited free domestic lounge access, complimentary golf sessions/lessons, air accidental insurance cover worth Rs. 1 crore, and lots of other premium features. The card also offers a very good reward rate. You get 15 reward points / Rs. 100 on all online spends and on all travel, dining and movie spends. The foreign currency mark-up fee of 2% is also comparatively lower than most other cards. Read on for further information on the BoB Eterna Credit Card:

New Features

Spend Based Waiver

Joining fee waived on spending Rs. 25,000 in the first 60 days, annual fee of the subsequent year waived on expenditure of Rs. 2.5 lakh in the previous year

Interest Rates

3.25% per month or 39% per annum

Add-on Card Fee

Nil

Rewards Redemption Fee

Nil

Fuel Surcharge

1% of the transaction amount waived for transactions between Rs. 400 and Rs. 5,000 (subject to a maximum waiver of RS. 250 per statement cycle)

Foreign Currency Markup

2% of the transacted amount

Cash Advance Charges

2.5% of the transaction amount, subject to a minimum charge of Rs. 500

Movie & Dining

5X (15) reward points on movie and dining spends, 250 plus culinary deals at MasterCard Priceless specials, Buy One Get One scheme on movie tickets booked through Paytm app (max discount capped at Rs. 250/month)

Travel

Unlimited complimentary domestic lounge access, lower foreign currency mark-up of 2%.

International Lounge Access

N/A

Rewards Rate

15 reward points / Rs. 100 on online shopping, travel, movie, and dining spends (max cap of 5,000 points at this rate), 3 reward points/ Rs. 100 for spends on all other categories.

Golf

4 complimentary rounds of golf with green fee waived annually (not more than 1 in a month), 12 complimentary golf lessons/year, 50% of the green fee waived beyond the complimentary sessions.

Insurance Benefits

Accidental death cover (worth 1 crore in case of air-accident and Rs. 10 lakh in all other cases)

Reward Redemption

Reward points redeemable as cashback or against flight tickets, hotel reservations, shopping, etc at a rate of 1 RP = Re. 0.25.

Domestic Lounge Access

Unlimited complimentary domestic lounge access under the Mastercard India lounge program

Zero Liability Protection

Cardmember not liable for any fraudulent transaction post the time of reporting the loss of card.

Pros

No data available

Cons

No data available

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