Bank of Baroda Eterna Credit Card Review (2026): Fees, Rewards, Lounge & Eligibility
The Bank of Baroda Eterna Credit Card is a leading cashback credit card issued by Bank of Baroda on the Visa network. Tailored specifically for high-earning lifestyle spenders and frequent domestic travellers seeking unlimited domestic airport lounge access and accelerated rewards on dining, travel, and online purchases. it features a joining fee structure of ₹2,499. In this comprehensive 2026 review, CardSe evaluates its fee waiver thresholds, category capping rules, airport lounge access qualification, and net reward yields to help you determine if this card earns a permanent spot in your wallet.
Key Benefits & Reward Structure
The reward structure of the Bank of Baroda Eterna Credit Card is structured around category-specific accelerators and spend thresholds:
- Online Spends: Offers 3.75% reward rate on eligible digital purchases.
- Offline Spends: Earns 0.75% cashback/rewards on eligible brick-and-mortar purchases.
- Airport Lounge Access: Provides Unlimited domestic lounge visits.
Important Parameters: Premium lifestyle and travel rewards. 15 Reward points per ₹100 on travel, dining, and online spends.
Break-Even & Value Analysis
With an annual fee of ₹2,499 + GST (₹2,949), spending ₹80,000 annually on travel, dining, and online shopping at 3.75% reward rate yields ₹3,000 in value back, fully recovering the card fee. Spending ₹2.5 Lakh in a year waives the renewal fee entirely.
Pros & Cons
Pros
- Unlimited complimentary domestic airport lounge access visits for primary cardholders.
- High 15 Reward Points per ₹100 (3.75% reward yield) on travel bookings, dining, and online shopping.
- Welcome benefit of 10,000 Reward Points (worth ₹2,500) upon card activation and spending ₹50,000 in 60 days.
- Complimentary golf games and lessons per calendar quarter.
- Comprehensive travel insurance coverage including air accident cover up to ₹1 Crore.
Watchouts & Cons
- Annual fee of ₹2,499 + GST applies unless you reach ₹2.5 Lakh in annual spends.
- Baseline reward rate on other retail spends is modest at 3 Reward Points per ₹100 (0.75%).
- Does not include complimentary international airport lounge access visits.
- High income eligibility requirements (typically salaried above ₹12 Lakh/annum).
CardSe Verdict
The Bank of Baroda Eterna Credit Card is one of the rare credit cards in India offering truly unlimited domestic airport lounge access at a reasonable ₹2,499 fee. With 3.75% return on travel and dining, it is an exceptional choice for frequent domestic flyers.
Detailed Card Parameters
| Joining/Annual Fee | ₹2,499 |
| Welcome Benefit | 10,000 Bonus Reward Points |
| Annual Fee Waiver Spends | ₹2.5 Lakh |
| Domestic Lounge Visits | Unlimited |
| Spends for Lounge | - |
| Offline Spends | 0.75% |
| Online Spends | 3.75% |
| Notes | Premium lifestyle and travel rewards. 15 Reward points per ₹100 on travel, dining, and online spends. |
Frequently Asked Questions
- Does Bank of Baroda Eterna offer unlimited lounge access?
- Yes. Primary cardholders enjoy unlimited complimentary access to participating domestic airport lounges across India with no quarterly visit caps.
- What is the reward rate on BoB Eterna for travel and dining?
- Cardholders earn 15 Reward Points per ₹100 spent on travel, dining, and online transactions, which translates to a 3.75% reward return.
- How can you waive the annual fee on BoB Eterna?
- The annual renewal fee of ₹2,499 + GST is 100% waived if your cumulative retail spends reach ₹2,50,000 or more in the preceding membership year.
- Are there any welcome benefits on BoB Eterna?
- Yes. You receive 10,000 bonus Reward Points (worth ₹2,500) upon paying the joining fee and spending ₹50,000 within the first 60 days.