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Bank of Baroda

BOB Eterna Credit Card

VisaMidCashback
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Annual Fee

₹499

Reward Type

Cashback

Forex

1.5%

Lounge

12 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual Fee₹499(waived ≥ ₹1,00,000)
Min Monthly Income₹30,000

Rewards

Reward TypeCashback
Base Rate1.5%
Point Value₹1/point

Category Multipliers

international4%

Milestones

Spend ₹6L in a year10,000 bonus reward points (annually)
Spend ₹2L in 60 days of issuance5,000 welcome bonus points (one-time)

Travel & Global

Forex Markup1.5%
Domestic Lounge12 visits/yr
Intl. LoungeNone
Lounge NetworkPriority Pass, Visa

India-Specific

Fuel Surcharge✓ 1% waiver

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💡 Fee Waiver Strategy

Spend ₹1,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹499 annual fee at the base reward rate of 1.5%, you need to spend ₹33,267 annually.

🎯 Pro Tips

  • ▸Earn 1.5% cashback on all spends.
  • ▸Maximize cashback by using for online shopping.
  • ▸Use for fuel purchases to get fuel surcharge waiver.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹17,501

Effective Rate

1.5%

Ranked #33 of 173 cards#33

₹499 annual fee deducted from gross rewards value.

🏷️ Best For

cashbackshoppingfuel