BOB Eterna Credit Card vs HDFC IndianOil Credit Card
Detailed comparison of these two popular credit cards
BOB Eterna Credit Card
Bank of Baroda
Super PremiumVS
Winner
HDFC IndianOil Credit Card
HDFC Bank
Mid-Range*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives ⛽ Fuel Points. We're showing effective cash values for fair comparison.
Annual Fee
₹2K vs ₹500
Effective Rate
(cash value)
0.8% vs 5.0%
Lounge Access
Unlimited (₹40K quarterly spend req) vs None
Detailed Comparison
| Feature | BOB Eterna Credit Card | HDFC IndianOil Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹2K | ₹500 |
| Annual Fee | ₹2K | ₹500 |
| Fee Waiver | JF: ₹25K/60 days; AF: Spend ₹2.5L/year | Spend ₹50K annually |
| Forex Markup | 2% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⛽Fuel Points |
| Effective Cash Value | 0.75% | 5% |
Lounge Access | ||
| Domestic Lounges | Unlimited (₹40K quarterly spend req) | None |
| Priority Pass | No | - |
Eligibility | ||
| Min. Income | ₹18.0L | ₹3.0L |
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 IndianOil Credit Card is Best For
IndianOil loyalists spending ₹5K/month on fuel
Watch Out
- • Only works at IndianOil pumps
- • Max benefit ₹250/month (effective ~0.5% on ₹50K fuel spend)
Our Verdict
Based on overall features and value,
HDFC IndianOil Credit Card wins!
Score: 22vsScore: 64
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