BoB Eterna Review 2026
Last reviewed:
Quick verdict
Bank of Baroda's premium card that offers strong lounge access and dining rewards at a competitive price. The Dreamfolks membership is a nice touch at this price point for travel lovers. Best suited for BoB salary account holders who can leverage relationship-based fee waivers from the bank.
Pros
- Airport lounge access: 8 domestic + 4 international per year
- Welcome benefit: 2000 bonus reward points
Cons
- 3.5% + GST forex markup makes it expensive abroad
- Interest of 3.49% per month (41.88% p.a.) if you carry a balance
Key benefits
- Complimentary Dreamfolks lounge access
- Golf privileges at select courses
- 1% fuel surcharge waiver
- Milestone bonus rewards on annual spend
Fees & charges at a glance
| Joining Fee | ₹2,499 + GST |
|---|---|
| Annual Fee | ₹2,499 + GST |
| Rewards | 6 reward points per ₹100 on all spends |
| Welcome Benefit | 2000 bonus reward points |
| Lounge Access | 8 domestic + 4 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST |
| Interest Rate | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹1,50,000 - ₹5,00,000 |
| Add-On Card Fee | Free |
| Min Income | ₹40,000/month |
| Network | Visa |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The BoB Eterna is best suited for travel & dining. It is a premium card on the Visa network, and Bank of Baroda generally looks for a minimum income of ₹40,000/month. If your spending matches its reward categories (6 reward points per ₹100 on all spends), the card can pay for its annual fee of ₹2,499 + GST. If not, a lifetime-free card may give you better net value.
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BoB Eterna: frequently asked questions
What is the annual fee of the BoB Eterna?
The BoB Eterna has a joining fee of ₹2,499 + GST and an annual fee of ₹2,499 + GST. Many banks waive the renewal fee when you cross a yearly spend milestone — check the latest waiver condition with Bank of Baroda.
What rewards does the BoB Eterna give?
6 reward points per ₹100 on all spends. Complimentary Dreamfolks lounge access. Golf privileges at select courses.
Does the BoB Eterna offer airport lounge access?
Yes. The BoB Eterna offers 8 domestic + 4 international per year. Lounge programmes are often linked to a minimum spend in the previous quarter, so confirm the current rule with Bank of Baroda.
What is the eligibility and minimum income for the BoB Eterna?
Bank of Baroda typically requires a minimum income of ₹40,000/month for the BoB Eterna, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the BoB Eterna?
The BoB Eterna charges 3.49% per month (41.88% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the BoB Eterna?
The foreign currency markup on the BoB Eterna is 3.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the BoB Eterna to UPI?
No. The BoB Eterna runs on the Visa network. Only RuPay credit cards can be linked to UPI in India at present.
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