Which is better: BOBCARD Eterna Credit Card or BOBCARD Premier Credit Card?

Based on our analysis, BOBCARD Eterna Credit Card offers better annual returns for most spend profiles.

What is the annual fee of BOBCARD Eterna Credit Card vs BOBCARD Premier Credit Card?

BOBCARD Eterna Credit Card has an annual fee of ₹2,499 + taxes (waived on ₹2,50,000/year spend; often issued Lifetime Free for ₹12L+ income). BOBCARD Premier Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1,20,000/year spend; often issued Lifetime Free).

Which card has a better reward rate: BOBCARD Eterna Credit Card or BOBCARD Premier Credit Card?

BOBCARD Eterna Credit Card offers 15 reward points per ₹100 on online shopping, dining, travel and international spends (3.75%); 3 RP on other spends (0.75%). BOBCARD Premier Credit Card offers 10 reward points per ₹100 on travel, dining and international spends (2.5%); 2 RP on others (0.5%).

Does BOBCARD Eterna Credit Card or BOBCARD Premier Credit Card offer better lounge access?

BOBCARD Eterna Credit Card lounge access: Unlimited domestic lounge access for primary + add-on cardholders; 2 international visits/year. BOBCARD Premier Credit Card lounge access: 1 domestic visit/quarter (spend-based from Jan 2025).

What is the forex markup on BOBCARD Eterna Credit Card vs BOBCARD Premier Credit Card?

BOBCARD Eterna Credit Card charges 2% forex markup. BOBCARD Premier Credit Card charges 3.5% forex markup.

Comparison · हिन्दी

BOBCARD Eterna vs BOBCARD Premier

Both cards compared on real rupee returns for BOBCARD Eterna vs Premier which BOBCARD is better. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms

OF BARODA 

BOBCARD ETERNA

ASHOK KUMAR

VS

OF BARODA 

BOBCARD PREMIE

ASHOK KUMAR

Our verdict

BOBCARD Eterna Credit Card wins for most people

Card A delivers ₹3,171 annual benefits versus Card B's ₹1,820, making it the clear winner despite higher fees. The superior rewards on shopping, dining, and travel justify the premium for your ₹17,000 monthly spend.

Side-by-side comparison

BOBCARD Eterna Credit Card ✓ BOBCARD Premier Credit Card

Annual benefit ₹3,171 ₹1,820

Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,499 + taxes (waived on ₹2,50,000/year spend; often issued Lifetime Free for ₹12L+ income) ₹1,000 + taxes (waived on ₹1,20,000/year spend; often issued Lifetime Free)

Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 15 reward points per ₹100 on online shopping, dining, travel and international spends (3.75%); 3 RP on other spends (0.75%) 10 reward points per ₹100 on travel, dining and international spends (2.5%); 2 RP on others (0.5%)

Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited domestic lounge access for primary + add-on cardholders; 2 international visits/year 1 domestic visit/quarter (spend-based from Jan 2025)

Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2% 3.5%

Best for Premium all-round card with high online rewards, unlimited domestic lounge and low forex Entry-level travel and dining card with lounge access at minimal annual fee

Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹12L+/year ₹25,000/month (salaried)

Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+

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When each card wins

BOBCARD Eterna Credit Card

Choose Card A if you spend regularly on online shopping, dining, and travel. The 15 RP per ₹100 on these categories significantly outweighs the higher annual fee for your profile.

BOBCARD Premier Credit Card

Card B suits minimalist spenders focused primarily on travel and dining with tight budgets. Its lower ₹1,000 fee makes it ideal if you want basic rewards without premium features.

Who should get which card

Get BOBCARD Eterna if you…

· High rewards (3.75%) on online shopping, dining, and travel

· Better value at ₹1,351 net annual benefit after fees

· Premium perks including unlimited domestic lounge access

· Fee often waived for high-income applicants

Get BOBCARD Premier if you…

· Minimal annual fee (₹1,000) with easy waiver at ₹1.2L spend

· Simple reward structure for casual spenders

· Basic lounge access for occasional travelers

· Lower commitment suitable for testing bank's ecosystem

Partner offer

IDFC FIRST Ashva Credit Card

Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app

Apply now →

IDFC

ASHOK KUMAR

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Frequently asked questions