Card catalog
Bank of Baroda
Eterna
•••• 4421
Bank of Baroda

Eterna

Approximate, being verifiedMastercard
₹2,499
annual fee
3.75%
base reward rate
720+
min. credit score

Rewards

7 rules
cashback · base rate · not on UPI
3.75%
cap: ₹5,000/mo
~82%
milestone
reward points · not on UPI
4%
cap: none
~82%
accelerated
reward points · not on UPI
3.75%
cap: ₹5,000/mo
~82%
reward points · not on UPI
3%
cap: none
~82%
reward points · not on UPI
10%
cap: none
~82%
reward points · not on UPI
10%
cap: none
~82%
Everything else
reward points · base rate · not on UPI · excl. fuel, rent
0.75%
cap: none
~82%

Best uses

6 merchants, 3 categories

Where this card has a reward rule beyond the base rate. Tap a pill to see how it ranks against every other card we track at that merchant or category.

Who it's for

Minimum income
₹75,000/month
Minimum credit score
720+
Best for
Travel

Reward rules shown are approximate while our team finishes verifying them against issuer MITC documents. We use conservative values, you should still see more rewards than we promise. Always confirm the latest rules in your bank app before relying on a recommendation.

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