Bank of BarodaVisaEterna Credit Card
4.5NeoFinQ editorial rating
Premium lifestyle card with 5X rewards, unlimited domestic lounges, and 2% forex — currently Lifetime Free
- 5X rewards (15 points/₹100) on dining, travel, international, online spends
- Unlimited domestic lounge access
- 2% forex markup
- Rich welcome and milestone bonuses
- BOGO movie offers
- Joining fee
- ₹2,499
- Annual fee
- ₹2,499
- Reward type
- points
- Best for
- Lounge
- Est. rewards
- ₹22,500/yr
Our verdict
Strong premium card for frequent diners and travelers. Great for forex use with 3.75% back on forex spends minus 2% fee = net positive returns.
Perfect for
- Frequent diners and travelers earning 5X rewards
- Users wanting unlimited domestic lounge access with low forex markup
Not ideal for
- Low spenders who may miss fee-waiver thresholds
- Users seeking international lounge access
Pros & cons
- 5X rewards (15 points/₹100) on dining, travel, international, online spends
- Unlimited domestic lounge access
- 2% forex markup
- Rich welcome and milestone bonuses
- BOGO movie offers
- 5X rewards capped at 5,000 points/statement cycle
- Fee waiver requires ₹2.5L annual spend
- No reward points on fuel
Rewards
15 reward points per ₹100 on Travel, Dining, Online & International (capped at 5,000 bonus points p.m.); 3 points per ₹100 on others
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Shopping | 5% |
| Travel | 3% |
| Online Shopping | 5% |
| Cashback | 5% |
Welcome offer
Complimentary 6-month FITPASS Pro membership worth ₹15,000 within 60 days
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- Unlimited domestic lounge access. Priority Pass included for International (visits are chargeable unless specified in targeted offers).
More benefits
- Welcome Bonus: Complimentary 6-month FITPASS Pro membership worth ₹15,000 within 60 days
- Milestone: 10,000 bonus points on ₹50,000 spend in first 60 days; 20,000 bonus points on ₹5L annual spend
- Additional Benefits: BOGO movie tickets (up to ₹250/month), 3 lifetime free add-on cards, Smart EMI on ₹2,500+, Air accident cover ₹1 Cr
Fees & charges
| Joining fee | ₹2,499 |
| Annual fee | ₹2,499 |
| Renewal fee | ₹2,499 |
| Fee waiver | Waived on spends of ₹2.5 Lakhs annually |
| Waiver threshold | Spend ₹2.5L/yr |
Eligibility
Min. income (annual)
₹12L
Employment
Salaried / Self Employed
Frequently asked questions
What is the best redemption option?
Redeem points as cashback at 1 RP = ₹0.25.
How can I waive the annual fee?
Lifetime free if you apply before 31st March 2026.
Does it offer lounge access?
Yes, unlimited domestic lounge access, subject to ₹40,000 spend in the preceding quarter.
What are the 5X categories?
Dining, travel, international and online spends earn 15 RP per ₹100.
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Find My Best CardEterna Credit Card
Annual fee ₹2,499