Amex Platinum Charge Card vs BOB Eterna Credit Card
Detailed comparison of these two popular credit cards
Winner
Amex Platinum Charge Card
American Express
Super PremiumVS
BOB Eterna Credit Card
Bank of Baroda
Super PremiumAnnual Fee
₹78K vs ₹2K
Effective Rate
(cash value)
0.9% vs 0.8%
Lounge Access
Unlimited vs Unlimited (₹40K quarterly spend req)
Detailed Comparison
| Feature | Amex Platinum Charge Card | BOB Eterna Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹78K | ₹2K |
| Annual Fee | ₹78K | ₹2K |
| Fee Waiver | None | JF: ₹25K/60 days; AF: Spend ₹2.5L/year |
| Forex Markup | 3.5% | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.875% | 0.75% |
Lounge Access | ||
| Domestic Lounges | Unlimited | Unlimited (₹40K quarterly spend req) |
| Priority Pass | Yes | No |
Eligibility | ||
| Min. Income | ₹60.0L | ₹18.0L |
Amex Platinum Charge Card is Best For
Ultra luxury travelers with ₹77K to spare
Watch Out
- • No preset limit but still has shadow limit
- • Must pay full balance monthly
BOB Eterna Credit Card is Best For
BOB's premium travel card
Watch Out
- • No Priority Pass despite premium positioning
- • Lounge requires ₹40K quarterly spend from Jan 2025
Our Verdict
Based on overall features and value,
Amex Platinum Charge Card wins!
Score: 57vsScore: 22
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