BOB Eterna Credit Card vs HDFC Diners Club Black
Detailed comparison of these two popular credit cards
BOB Eterna Credit Card
Bank of Baroda
Super PremiumVS
Winner
HDFC Diners Club Black
HDFC Bank
Super PremiumAnnual Fee
₹2K vs ₹10K
Effective Rate
(cash value)
0.8% vs 1.7%
Lounge Access
Unlimited (₹40K quarterly spend req) vs Unlimited
Detailed Comparison
| Feature | BOB Eterna Credit Card | HDFC Diners Club Black |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹2K | ₹10K |
| Annual Fee | ₹2K | ₹10K |
| Fee Waiver | JF: ₹25K/60 days; AF: Spend ₹2.5L/year | Spend ₹5L annually |
| Forex Markup | 2% | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.75% | 1.67% |
Lounge Access | ||
| Domestic Lounges | Unlimited (₹40K quarterly spend req) | Unlimited |
| Priority Pass | No | Yes |
Eligibility | ||
| Min. Income | ₹18.0L | ₹15.0L |
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
HDFC Diners Club Black is Best For
High spenders at large merchants
Watch Out
- • Diners Club has limited acceptance in India
Our Verdict
Based on overall features and value,
HDFC Diners Club Black wins!
Score: 22vsScore: 65
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