BOB Eterna Credit Card vs HDFC Infinia Metal
Detailed comparison of these two popular credit cards
BOB Eterna Credit Card
Bank of Baroda
Super PremiumVS
Winner
HDFC Infinia Metal
HDFC Bank
Super PremiumAnnual Fee
₹2K vs ₹13K
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 Infinia Metal |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹2K | ₹13K |
| Annual Fee | ₹2K | ₹13K |
| Fee Waiver | JF: ₹25K/60 days; AF: Spend ₹2.5L/year | Spend ₹10L 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 | ₹24.0L |
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 Infinia Metal is Best For
Premium travelers spending ₹10L+/year
Watch Out
- • Invite-only card
- • SmartBuy portal needed for max value
Our Verdict
Based on overall features and value,
HDFC Infinia Metal wins!
Score: 22vsScore: 66
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