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Bank of BarodaFree to apply via CardGuruji · 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.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of Bank of Baroda are often approved on slightly lower scores.
Everything you need to know about Bank of Baroda Eterna fees, reward conversion, lounge access, and application eligibility.
The joining fee for Bank of Baroda Eterna is nominal, and the annual renewal fee is ₹2499 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for Bank of Baroda Eterna from Bank of Baroda, a CIBIL score of 730 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
Bank of Baroda Eterna is designed to reward everyday spends. It currently features: "10,000 Points". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Bank of Baroda's rewards portal.
Yes, Bank of Baroda Eterna offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.
You can apply for Bank of Baroda Eterna directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
