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Comparison · हिन्दी

BOBCARD Eterna vs SC Ultimate

Both cards compared on real rupee returns for best flat rate rewards credit card India BOB vs SC. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
BOBCARD
BOBCARD ETERNA
ASHOK KUMAR
VS
STANDARD C
ULTIMATE
ASHOK KUMAR
Our verdict
BOBCARD Eterna Credit Card wins for most people
BOBCARD Eterna wins with ₹7,851 annual benefit versus SC Ultimate's ₹5,711. Its higher rewards on online shopping, dining, and travel combined with zero joining fees make it the superior choice for this spend profile.
Side-by-side comparison
BOBCARD Eterna Credit Card ✓ Standard Chartered Ultimate Credit Card
Annual benefit ₹7,851 ₹5,711
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹0 joining (from 1 September 2026); ₹2,499 + taxes annual from year 2 (waived on ₹2,50,000/year spend) ₹5,000 + taxes (6,000 welcome RP worth ₹6,000, offsets fee in Year 1)
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 ₹150 on most spends (about 3.33% at ₹1 a point); 3 points per ₹150 (2%) on utilities, supermarkets, insurance, property management, schools and government payments; 2% forex
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 Domestic and international lounge access (Standard Chartered's value chart counts 6 domestic and 4 Priority Pass visits a year)
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 High spenders wanting the best flat reward rate in India with 1 RP = ₹1 redemption value
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹12L+/year ₹24L+/year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 750+
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When each card wins
BOBCARD Eterna Credit Card
BOBCARD Eterna shines when you spend heavily on online shopping, dining, and travel, earning 3.75% rewards on these categories. With ₹22,000 of your ₹30,000 monthly spend here, the higher points accumulation delivers maximum value.
Standard Chartered Ultimate Credit Card
SC Ultimate suits high spenders exceeding ₹2.5+ lakhs annually who prioritize flat-rate rewards across all categories and value the welcome bonus offset. However, your profile doesn't maximize its strengths enough to overcome BOBCARD Eterna's category advantage.
Who should get which card
Get BOBCARD Eterna if you…
· Premium online shopper with frequent dining and travel plans
· Want zero joining fees and year-one clarity on costs
· Prefer category-specific high rewards (3.75%) over flat rates
· Value unlimited domestic airport lounge access
Get Standard Chartered Ultimate if you…
· Consistent spender across all categories equally
· Prioritize simplicity with one flat reward rate
· Spend ₹2.5+ lakhs annually to waive fees
· Prefer 2% forex over BOBCARD's standard rates
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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Related guides
BOBCARD Eterna vs HDFC Regalia Gold →Standard Chartered Ultimate vs HDFC Regalia Gold →HDFC Infinia vs Standard Chartered Ultimate →Standard Chartered Ultimate vs HDFC Diners Club Black →Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →
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 ₹0 joining (from 1 September 2026); ₹2,499 + taxes annual from year 2 (waived on ₹2,50,000/year spend). Standard Chartered Ultimate Credit Card has an annual fee of ₹5,000 + taxes (6,000 welcome RP worth ₹6,000, offsets fee in Year 1).
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%). Standard Chartered Ultimate Credit Card offers 5 reward points per ₹150 on most spends (about 3.33% at ₹1 a point); 3 points per ₹150 (2%) on utilities, supermarkets, insurance, property management, schools and government payments; 2% forex.
BOBCARD Eterna Credit Card lounge access: Unlimited domestic lounge access for primary + add-on cardholders; 2 international visits/year. Standard Chartered Ultimate Credit Card lounge access: Domestic and international lounge access (Standard Chartered's value chart counts 6 domestic and 4 Priority Pass visits a year).
BOBCARD Eterna Credit Card charges 2% forex markup. Standard Chartered Ultimate Credit Card charges 2% forex markup.