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Explore cards from India's leading banks.
Last updated: 29 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
15 Points per ₹100 online
Accelerated rewards
The privileges that come bundled in, beyond the reward points.
Unlimited Domestic Lounge
FitPass Pro
An honest read on where this card earns its keep — and where it doesn't.
Unlimited Lounge
High rewards
Service issues
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Bank of Baroda before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Bank of Baroda Eterna stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Bank of Baroda Eterna fees, reward conversion, lounge access, and application eligibility.
Bank of Baroda Eterna has an annual fee of ₹2,499 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "10,000 Points".
Bank of Baroda Eterna earns Points at a primary rate of 15 Points per ₹100 online. Specifically, Accelerated rewards. Spends in Premium, Travel categories provide the maximum valueback per transaction on this card.
Yes, Bank of Baroda Eterna features complimentary airport lounge privileges. Privileges include: "Unlimited Domestic Lounge". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 730 or above is strongly recommended for approval of Bank of Baroda Eterna. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Bank of Baroda Eterna is issued on the Visa or Mastercard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Bank of Baroda Eterna levies a forex markup fee of 2% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Bank of Baroda Eterna currently features a welcome offer: "10,000 Points". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Unlimited Lounge and High rewards. However, keep in mind that Service issues. Overall, Bank of Baroda Eterna delivers strong value if your regular spending aligns with Premium, Travel.
You can apply for Bank of Baroda Eterna directly through Bank of Baroda's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
