The Bank of Baroda (BOB) Eterna Credit Card is tailored for individuals who enjoy rewards and cashback on lifestyle, shopping, and travel expenditures. This high-end credit card is packed with a plethora of benefits, making it a perfect companion for those who seek an elevated lifestyle. Here’s a comprehensive look at the features, benefits, and other essential details about the BOB Eterna Credit Card.
Contents
Features of BOB Eterna Credit CardTravel Transaction FeaturesFitness Activity Transaction FeaturesDining and Food Transaction FeaturesEntertainment Transaction FeaturesBenefits of BOB Eterna Credit CardFees and Other ChargesEligibility CriteriaDocuments RequiredHow to ApplyRewards Rate and RedemptionTravel BenefitsInsurance BenefitsGolf BenefitsConclusion
Features of BOB Eterna Credit Card
Travel Transaction Features
- Reward Points: Earn 15 reward points for every Rs. 100 spent.
- Lounge Access: Unlimited complimentary domestic airport lounge access.
- Forex Markup: Reduced forex markup of up to 2%.
Fitness Activity Transaction Features
- FitPass Pro Membership: Free six-month membership worth Rs. 15,000.
Dining and Food Transaction Features
- Reward Points: Earn 12 reward points for every Rs. 100 spent on dining (terms and conditions apply).
Entertainment Transaction Features
- Reward Points: Earn 15 reward points for every Rs. 100 spent on online shopping.
- Movie Ticket Offer: Buy one movie ticket at Paytm Movies and get another free (up to Rs. 250 per card per month).
Benefits of BOB Eterna Credit Card
- Bonus Reward Points: Earn 10,000 bonus points on spending Rs. 50,000 in the first 60 days and 20,000 bonus points on spending Rs. 5,00,000 in a year.
- Fuel Surcharge Waiver: 1% waiver at all fuel stations across the country for transactions between Rs. 400 and Rs. 5,000 (no reward points on fuel transactions).
- EMI Conversion: Purchases over Rs. 2,500 can be converted into easy EMIs (6 to 36 months tenure).
- Insurance Cover: Free personal accidental death cover for financial protection.
- Add-On Cards: Up to 3 lifetime free add-on cards for family members.
- Zero Liability: Report card loss instantly to ensure zero liability for fraudulent activities.
- Reward Points on Other Transactions: Earn 3 reward points for every Rs. 100 spent on other categories.
- Reward Redemption: Redeem points as cashback or other options.
Fees and Other Charges
| Fee Description | Amount |
|---|---|
| 1st Year Charges | Rs. 2,499 |
| Annual Charges | Rs. 2,499 |
| Joining Fee Waiver | Spend Rs. 25,000 within the first 60 days |
| Annual Fee Waiver | Spend Rs. 2.5 Lakhs or more in a year |
Eligibility Criteria
| Criteria | Description |
|---|---|
| Residency | Only Indian residents can apply |
| Age | 21-65 years for primary cardholders |
| Add-On Card Age | Minimum 18 years |
| Income | Minimum Rs. 12 lakhs per annum |
Documents Required
- Identity Proof: PAN (mandatory), Aadhaar, Voter ID, Passport, Permanent DL
- Address Proof: Aadhaar, Voter ID, Passport, Permanent DL, Utility Bill, Property Tax Receipt, Rental Agreement
- Income Proof: Salary slip of 2 months, bank statement with salary credits, or ITR for self-employed individuals
How to Apply
- Eligibility Check: Ensure you meet the eligibility criteria.
- Document Preparation: Gather necessary documents (ID proof, address proof, income proof).
- Application Submission: Submit your application online or at a BOB branch.
Rewards Rate and Redemption
| Category | Reward Points |
|---|---|
| Online Shopping | 15 points per Rs. 100 |
| Travel | 15 points per Rs. 100 |
| Movie and Dining | 15 points per Rs. 100 |
| Other Transactions | 3 points per Rs. 100 |
- Redemption: Points can be redeemed as cashback, flight tickets, hotel reservations, and more (1 RP = Re. 0.25).
Travel Benefits
- Lounge Access: Unlimited complimentary domestic lounge access.
- Foreign Currency Markup: Lower markup of 2%.
Insurance Benefits
- Accidental Death Cover: Rs. 1 crore for air accidents and Rs. 10 lakh for other cases.
Golf Benefits
- Complimentary Rounds: 4 rounds annually with waived green fees (1 per month).
- Golf Lessons: 12 complimentary lessons annually (1 per month).
Conclusion
The Bank of Baroda Eterna Credit Card is an excellent choice for individuals seeking to maximize their rewards and benefits on lifestyle, shopping, and travel spends. With its extensive list of features and benefits, this credit card offers great value and ensures an elevated lifestyle for its users.