cards / credit / bank of baroda / bob-eterna-credit-card
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§ BENEFITS
5X RP on Dining
Earn 5X reward points on all dining spends including restaurants and food delivery
5X RP
5X RP on Travel
Earn 5X reward points on all travel spends including flights, hotels, and travel bookings
5X RP
5X RP on International Spends
Earn 5X reward points on all international transactions
5X RP
1X RP on All Other Spends
Earn 1 reward point per ₹100 on all other retail spends
1 RP per ₹100
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year
8 visits/year
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹5,00,000
- Min monthly salary
- ₹50,000
- Age
- 21 – 60
- Min credit score
- 700
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹2,499
- Annual fee
- ₹2,499
- APR (monthly)
- 3.40% p.m.
- APR (annual)
- 40.80% p.a.
- Late payment fee
- ₹1,300
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 5
- Own bank charge
- ₹20
- Other bank free / month
- 3
- Other bank charge
- ₹20
- International withdrawal
- ₹125
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 2.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹400
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹250
- Networks
- All
§ LIMITS
- ATM / day
- ₹40,000
- POS + e-com / day
- ₹3,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹1,00,00,000
- Permanent disability
- ₹1,00,00,000
- Air accident
- ₹1,00,00,000
- Travel insurance
- ₹15,00,000
- Baggage
- ₹50,000
- Lost-card liability
- ₹5,00,000
- Purchase protection
- ₹1,00,000
† within 24 h of loss
† 90 days
§ REWARDS
- Programme
- BOB Reward Points
- Earn rate
- 5X on dining, travel, international; 1 RP per ₹100 on others
- Point value
- ₹0.25
- Effective cashback
- 0.25%
- Min redemption
- 500 pts
- Expiry
- 2 years from date of accrual
§ LOUNGE
- Domestic
- 8 per year
- International
- Not included
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹2,500 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Bank of Baroda and earns no commission on applications.