Everything You Need to Know About BOBCARD ETERNA Credit Card – Features, Benefits, and Other Details and Market Comparison

These days, a credit card is more than just a payment method – it’s a way to get more out of life, whether that’s cashback and rewards, lifestyle benefits or travel benefits. When it comes to credit cards, the market is oversaturated with options -- how do you know which one is best for you and your current spending habits? Bank of Baroda (BOB) offers a plethora of credit cards to choose from and the BOBCARD ETERNA is intended for customers who seek the best of rewards, exclusive privileges and financial power.

In this blog post, we review the BOBCARD ETERNA Credit Card in detail, including its features, benefits, rewards, and charges. We’ll also take a closer look at its specific perks, compare it side-by-side with some other high end credit cards, and break down how it fits into the credit card marketplace.

Review Summary of the BOBCARD ETERNA Credit Card

The BOBCARD ETERNA Credit Card is an uber-lifestyle credit card brought to you by Bank of Baroda, for a selected few. The card claims it will improve your standard of living with access to an attractive rewards programme, premium benefits and extensive insurance.

If you're someone who travels every so often, or loves experimenting with cuisines, or to explore more luxuriously, then we’ve got you covered with the BOBCARD ETERNA Credit Card.

Salient Features of the BOBCARD ETERNA Credit Card

But, before we get into the advantages and rewards, we’ll list out some of the hallmark features of the BOBCARD ETERNA Credit Card to help you understand why this is one of the best options for premium cardholders:

Joining Fee:

Let us get to the joining fee of the BOBCARD ETERNA Credit Card which is ₹1,000 + GST.

Renewal Fee:

BOBCARD ETERNA Credit Card Annual Fee and Charges The annual fee for the renewal of the BOBCARD ETERNA Credit Card is ₹1,000 + GST.

Reward Points System:

Card members can get rewarded with 5X Reward Points on special categories spends.
1 Reward Point for every ₹100 on all other spends.

Reward Redemption:

The reward points earned can be redeemed for attractive merchandise, gift vouchers and more, through the BOBCARD ETERNA Rewards Program.

Travel and Lifestyle Benefits:

Free Lounge Access: You will get access to the domestic airport lounges, targeted precisely for the frequent flyer customer.
Travel Coverage: You will have access to a variety of insurance options including travel accident coverage and lost luggage protection.

Other Key Features:

Cash Withdrawal: Cardholder can make cash withdrawl from any ATM globally.
Protection: From unauthorized purchases if your card is lost or stolen provided the loss is reported to issuing bank within 1 business day.

Key Benefits of the BOBCARD ETERNA Credit Card

There are several features provided by the BOBCARD ETERNA Credit Card that makes it an excellent choice for all those who are looking for both rewards and privileges. Let’s go into further detail on this benefit:

Reward Points for Every Spend

The reward points scheme is probably the biggest draw for a number of card holders. With the BOBCARD ETERNA Credit Card you can earn 5 Reward Points against every ₹100 spent in selective categories which include dining, travel and entertainment. For all other expenses card-holders get 1 Reward Point for every ₹1000/- spent.

The rewards program is also a plus, to add to this appealing card. Best part is that these earned points are redeemable against host of options including travel, shopping or even exclusive products using the card’s rewards catalogue. This cashback redemption benefit allows cardholders to maximize their spending.

Comprehensive Travel Benefits

For frequent flyers, the BOBCARD ETERNA Credit Card provides a suite of travel benefits that add value to your trips:

Free Lounge Access: Enjoy free access to all domestic airport lounges. This perk allows the cardholders to sit back and appreciate all there is to offer in the comfort of a great atmosphere when on the go.
Insurance benefits: BOBCARD ETERNA Credit Card gives you a host of insurance benefits that include flight delay, trip cancellation and lost baggage cover. These additional layers of coverage provide the extra comfort needed when traveling popular and sometimes highly frequented domestic and international destinations.

Dining and Shopping Privileges

But the diners and shoppers are not behind as the BOBCARD ETERNA Credit Card provides a plethora of benefits for them as well:

Dining Privileges: Cardholders can enjoy fabulous dining discounts at our selected partners. These offers allow cardmembers to save on expensive meals in the best restaurants.
Shopping Discounts: Whether you’re buying clothes, electronics, or jewelry -- you’ll receive exclusive shopping discounts as well as some of the best shopping bonus offers to help you save and earn points back on your shopping spree.

Security and Fraud Protection

BOBCARD ETERNA Credit Card has zero liability protection on lost or stolen cards. As long as the loss is reported in a timely manner, cardholders are not liable for unauthorised transactions. This is a great feature and will give cardholders added peace of mind when paying online and off-line.

Lifestyle and Premium Privileges

Exclusive Lifestyle Privileges on your BOBCARD ETERNA Credit Card: As a premium credit card, the BOBCARD ETERNA Credit Card brings to you exclusive lifestyle privileges that suit a wide range of tastes:

Exclusive Event Invitations: Card members can be invited to exclusive events such as product launches, brand partnerships and offers.
Premium Concierge Services: Additional premium services, like a personal concierge, might be on offer to the cardholder, simplifying day-to-day activities.

BOBCARD ETERNA Credit Card Fees and Charges

Here are the costs of the BOBCARD ETERNA Credit Card: Though the BOBCARD ETERNA Credit Card comes with impressive features and benefits, it is important to note the costs involved:

• Joining Fee: ₹1,000 + GST

• Renewal Fee: ₹1,000 + GST

• Interest Rates: The card charges an interest rate of approximately 3.5% p.a on pending balances (42% a year).

• Cash Withdrawal Fee: For use of ATM for cash withdrawal, cardholders will be charged a cash advance fee plus interest on the amount withdrawn.

For a premium credit card, these fees are approximately par for the course but relatively low, especially given the pretty extensive benefits and rewards this card offers.

BOBCARD ETERNA Credit Card Eligibility Criteria

Eligibility Criteria for the BOBCARD ETERNA Credit Card: To be eligible to apply for a BOBCARD ETERNA Credit Card, you need to fulfil the following criteria:

Age:

Applicant’s age should be between 21-60 years.

Employment:

The applicant must have a steady job, and a minimum net monthly income (by city).

Credit Score:

The credit score for BOBCARD ETERNA Credit Card should be 750 or more.

These criteria help make sure that the card goes to consumers who are able to manage the obligations of a high end credit card.

Where the BOBCARD ETERNA Credit Card Shines

In comparison to other premium credit cards, there are multiple reasons why BOBCARD ETERNA Credit Card uniquely stand out:

• Reward Points System: The BOBCARD ETERNA Credit Card with its 5 Reward Points per ₹100 spent in select categories is one of the finest in its class of credit cards.

• Travel and Dining Perks: With airport lounge access, dining deals, and travel insurance, it offers the kind of all-around benefits attractive to frequent fliers and foodies.

• Affordability: The annual fee of just ₹1,000 + GST seems worth it, especially when you consider the benefits.

• Security: If you are concern about safety, the zero liability for a lost card or any unauthorized transaction is a very good feature.

Conclusion

About BOBCARD ETERNA Credit Card

The BOBCARD ETERNA Credit Card is a competitive offering that meets the needs of a diverse customer base – from those looking to earn rewards on everyday spending to those seeking travel, dining discounts or exclusive lifestyle benefits. From the awesome points you will rack up to the travel perks, insurance and premium perks that come with it, this card was set up for people who like nothing less than the best.

If you want a credit card that bring you a mix of rewards, lifestyle benefits & security; then BOBCARD ETERNA Credit Card is for you. It’s a great way to ease into the world of premium credit cards and get a lot of benefits back on the purchases you’re already making.