The Bank Of Baroda Eterna Mastercard has a ₹2,499 annual fee (waived on ₹2.5 lakh annual spend), earns 3 Reward Points per ₹100, includes unlimited domestic lounge access and charges a 2% forex markup.
| Annual fee | ₹2,499 |
|---|---|
| Joining fee | ₹2,499 |
| Annual fee waived | On ₹2.5 lakh annual spend |
| Base rewards | 3 Reward Points per ₹100 |
| Lounge access | Unlimited domestic lounge access |
| Forex markup | 2% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
74 online offers across 59 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Paytm: Flat Rs.750 off · till 31 Dec
- Swiggy: Flat Rs.75 discount · till 27 Dec
- Musafir.com: Up to Rs. 5000 off · till 31 Dec
- Surat Diamond: Get Rs.5000 off · till 31 Dec
- Jbl: JBL Consumer Audio product invoice value Rs.3999 · till 31 Dec
These are Bank Of Baroda's own offers and Mastercard network offers, so they apply to every Bank Of Baroda Mastercard card, not just this one. All Bank Of Baroda offers by category.
More about the Bank Of Baroda Eterna Mastercard Credit Card
Is the Bank Of Baroda Eterna Mastercard Credit Card worth it in 2026?
Yes, the Bank Of Baroda Eterna Mastercard Credit Card is worth it in 2026 for frequent travelers and online shoppers. It offers 5X reward points on travel, international, dining, and online spends, plus unlimited complimentary access to domestic airport lounges. The Rs.2499 joining and annual fees can be waived by spending Rs.25000.
Who should get the Bank Of Baroda Eterna Mastercard Credit Card?
This card is ideal for frequent travelers and diners who spend regularly on international and online purchases. Users who can spend Rs.50000 or more will benefit from milestone bonuses of 10000 to 20000 reward points, making it suitable for high spenders seeking premium rewards.
How to maximise rewards on the Bank Of Baroda Eterna Mastercard Credit Card?
Maximise rewards by focusing on travel, dining, international, and online spends to earn 5X reward points. Additionally, aim to spend Rs.50000 and Rs.500000 to unlock milestone bonuses of 10000 and 20000 reward points respectively. Also, spend Rs.25000 to waive the joining fee.
Is the Bank Of Baroda Eterna Mastercard Credit Card better than a top competing premium card?
The Bank Of Baroda Eterna Mastercard offers competitive 5X rewards on key categories and unlimited domestic lounge access at a moderate fee of Rs.2499. While some premium cards may offer higher rewards or international lounge access, this card provides strong value for frequent domestic travelers and online shoppers.