Joining Fee:
Apply Now₹2499 +GST
Return Percentage:3% to 6%
Credit Card Overview
A premium lifestyle card that offers high reward rates, luxury travel benefits, milestone vouchers, and lounge access, positioned as Bank of Baroda’s flagship offering.
Best Suited For: Experience, Travel Booking
BOB
Fees and charges at a glance
- Annual fee
- ₹2,499
- Joining fee
- ₹2,499
- Reward rate
- 3% to 6%
- Forex markup
- 2%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
BOB Eterna credit card — Earn Categories
Other categories
- InternationalInternational · International15 reward points / ₹100
A maximum of 5,000 Reward Points can be earned under 5X Rewards on the mentioned categories per statement cycle.
- DiningF&B · Dining15 reward points / ₹100
A maximum of 5,000 Reward Points can be earned under 5X Rewards on the mentioned categories per statement cycle.
Everyday rate
- Base Rewards3 Reward Points (reward points) / ₹100
4 more earning categories on this card
We track all 7 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Hospitals
- Supermarket & convenience store
- Insurance
- Charity
- Agriculture
- Wallets
- Fuel
- Fast food restaurants
- Transportation & Tolls
- Rent
- Contractor
- Cleaning and Maintenance
- Government
- Education