World Max Credit Card
Rs 3,000Annual fee
6Domestic lounge
Domestic lounge conditions
- 2 complimentary visits per quarter, unlocked by spending ₹35,000 or more in the preceding calendar quarter (excl. rental spends)
2%Forex markup
Best for
Dining, Travel, Lounge, Premium
Top rewards
Weekend Dining Spends: 20 Reward Points / ₹100 spent; Online Spends: 4 Reward Points / ₹100 spent; Other Eligible Retail Spends (including Weekday Dining): 2 Reward Points / ₹100 spent
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 | World Max Credit Card | ETERNA Credit Card |
|---|---|---|
| Issuer | RBL Bank | Bank of Baroda |
| Network | Visa | Visa |
| Joining fee | Rs 3,000 | Rs 2,499 |
| Annual fee | Rs 3,000 | Rs 2,499 |
| Reward type | Reward Points | Reward Points |
| Best for | Dining, Travel, Lounge, Premium | Travel, Dining, Online, Lounge, Premium |
| Top reward categories | Weekend Dining Spends: 20 Reward Points / ₹100 spent; Online Spends: 4 Reward Points / ₹100 spent; Other Eligible Retail Spends (including Weekday Dining): 2 Reward Points / ₹100 spent | 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 | 6 | Unlimited |
| International lounge | 0 | 0 |
| Forex markup | 2% | 2% |
| Milestone benefits | Earn 1,500 bonus reward points on monthly spends of ₹25,000, Earn additional 1,000 bonus points on monthly spends of ₹40,000, Earn additional 1,000 bonus points on monthly spends of ₹50,000 | 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 | Not Listed | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Utility bill payments, Insurance spends, Rent and real estate payments, Education payments, Wallet loading | Fuel transactions, Cash advance / cash withdrawal transactions, Fees and charges (joining fee, annual fee, finance charges, and other levied charges) |