PREMIER Credit Card
Rs 1,000Annual fee
Rs 1,20,000Fee waiver spend
4Domestic lounge
3.5%Forex markup
Best for
Travel, Dining, International Spends, Lounge
Top rewards
Travel, Dining, And Abroad (international) Spends: 10 Reward Points / ₹100; Other Eligible Spends: 2 Reward Points / ₹100
ETERNA Credit Card
Rs 2,499Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary domestic lounge access requires ₹40,000 net spends in the preceding calendar quarter.
- For newly issued fresh cards, the spend threshold is waived in the quarter of card issuance; if the card is issued in the last month of a quarter, the waiver extends through the following quarter.
- Interest, fees, reversed transactions, and EMI instalments are excluded from the lounge-eligibility spend calculation.
2%Forex markup
Best for
Travel, Dining, Online, Lounge, Premium
Top rewards
Travel, Dining, Online, And International Spends: 15 reward points per ₹100; Other Eligible Spends: 3 reward points per ₹100
| Feature | PREMIER Credit Card | ETERNA Credit Card |
|---|---|---|
| Issuer | Bank of Baroda | Bank of Baroda |
| Network | Visa | Visa |
| Joining fee | Rs 1,000 | Rs 2,499 |
| Annual fee | Rs 1,000 | Rs 2,499 |
| Fee waiver spend | Rs 1,20,000 | - |
| Reward type | Reward Points | Reward Points |
| Best for | Travel, Dining, International Spends, Lounge | Travel, Dining, Online, Lounge, Premium |
| Top reward categories | Travel, Dining, And Abroad (international) Spends: 10 Reward Points / ₹100; Other Eligible Spends: 2 Reward Points / ₹100 | Travel, Dining, Online, And International Spends: 15 reward points per ₹100; Other Eligible Spends: 3 reward points per ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 4 | Unlimited |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 2% |
| Milestone benefits | First year fee reversal on spending ₹10,000 within first 60 days, Annual fee waiver on spending ₹1,20,000 in a year | 10,000 bonus reward points on spending ₹50,000 within first 60 days, 20,000 bonus reward points on annual spends of ₹5,00,000 |
| Redemption | Statement credit: upto ₹ 0.25 per point | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | fuel transactions do not earn reward points, accelerated reward points are subject to monthly cap, taxes and charges excluded as per BOBCARD terms | Fuel transactions, Cash advance / cash withdrawal transactions, Fees and charges (joining fee, annual fee, finance charges, and other levied charges) |