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faayda.com › compare › BOBCARD Eterna vs HDFC Regalia Gold
Comparison · हिन्दी

BOBCARD Eterna vs HDFC Regalia Gold

Both cards compared on real rupee returns for best premium all-round credit card India under ₹2,500 fee. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
BOBCARD
BOBCARD ETERNA
ASHOK KUMAR
VS
HDFC
REGALIA GOLD
ASHOK KUMAR
Our verdict
BOBCARD Eterna Credit Card wins for most people
BOBCARD Eterna wins decisively with ₹5,961 annual benefit versus ₹2,180 for HDFC Regalia Gold. Its superior rewards on your shopping, dining, and travel spending make it the clear choice for this profile.
Side-by-side comparison
BOBCARD Eterna Credit Card ✓ HDFC Regalia Gold Credit Card
Annual benefit ₹5,961 ₹2,180
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) ₹2,500 + taxes (waived on ₹4,00,000/year spend)
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%) 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital
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 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2% 2%
Best for Premium all-round card with high online rewards, unlimited domestic lounge and low forex All-round premium card with travel perks and lifestyle rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹12L+/year ₹1L/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 750+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
BOBCARD Eterna Credit Card
Choose BOBCARD Eterna when you spend heavily on online shopping, dining, and travel. With 3.75% returns on these categories matching your exact spend pattern, it maximizes rewards significantly.
HDFC Regalia Gold Credit Card
Choose HDFC Regalia Gold if you frequent Nykaa, Myntra, or Reliance Digital heavily, or prioritize travel perks over pure cashback returns. Better suited for lifestyle shopping rather than broad categories.
Who should get which card
Get BOBCARD Eterna if you…
· Superior 3.75% rewards on shopping, dining, and travel—aligned perfectly with your spending
· Annual benefit of ₹5,961 versus ₹2,180 with Regalia Gold
· Often issued Lifetime Free for higher income applicants
· Strong value even after ₹2,499 annual fee
Get HDFC Regalia Gold if you…
· Exclusive 5X rewards on Nykaa, Myntra, and Marks & Spencer purchases
· Better if travel benefits and lifestyle perks matter more than pure cashback
· Lower base rewards rate but with specific category multipliers
· Simpler reward structure with flat 1.625% on general spend
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
Based on our analysis, BOBCARD Eterna Credit Card offers better annual returns for most spend profiles.
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). HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend).
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%). HDFC Regalia Gold Credit Card offers 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital.
BOBCARD Eterna Credit Card lounge access: Unlimited domestic lounge access for primary + add-on cardholders; 2 international visits/year. HDFC Regalia Gold Credit Card lounge access: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter).
BOBCARD Eterna Credit Card charges 2% forex markup. HDFC Regalia Gold Credit Card charges 2% forex markup.