Bank Of Baroda Eterna Credit Card

Recently I have applied to a Bank of Baroda Credit card named Eterna as the bank is giving it for Life Time Free. I have taken it mainly for 2 things. First I got 6 months of FitPass membership that means I will get 6 months of Gym membership for free. 2nd is that I will get 3.7% reward point when I spend it on dining.

PC: Bobcard.in

The good thing is that this card will help me to get offline 3.75% which none of my card was giving. And then there are other things which are good also. The best thing is that I got it for Life Time Free. You can also got it as they are giving Life Time Free card for everyone till 31st December.

Now one thing people usually ask me, why you are taking so many credit card and how do you manage them. The thing is, I try to get credit card which are giving good short term rewards. Now once the rewards are done, I try to close that card if it's not that great of a card. For example, I got the AU Bank Ixigo Credit Card because it was giving points for train ticket. But the problem now is that it charges huge money as a payment gateway, and thus the card is of not much use. It is not giving free lounge access too and that's why I decided to close the card.

That's why I try to get a credit card when it's useful for me and once it's not that great than I just close it. In this way my credit ratio is also maintained as well as I doesn't have a lot of credit card on my name also.