BOB Eterna Credit Card vs HDFC Millennia
Detailed comparison of these two popular credit cards
BOB Eterna Credit Card
Bank of Baroda
Super PremiumVS
Winner
HDFC Millennia
HDFC Bank
Mid-Range*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives 💵 Cashback. We're showing effective cash values for fair comparison.
Annual Fee
₹2K vs ₹1K
Effective Rate
(cash value)
0.8% vs 1.0%
Lounge Access
Unlimited (₹40K quarterly spend req) vs 8/year
Detailed Comparison
| Feature | BOB Eterna Credit Card | HDFC Millennia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹2K | ₹1K |
| Annual Fee | ₹2K | ₹1K |
| Fee Waiver | JF: ₹25K/60 days; AF: Spend ₹2.5L/year | Spend ₹1L annually |
| Forex Markup | 2% | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | 💵Cashback |
| Effective Cash Value | 0.75% | 1% |
Lounge Access | ||
| Domestic Lounges | Unlimited (₹40K quarterly spend req) | 8/year |
| Priority Pass | No | - |
Eligibility | ||
| Min. Income | ₹18.0L | ₹6.0L |
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 Millennia is Best For
Online shoppers on major platforms
Watch Out
- • 5% cashback capped at ₹1000/month
Our Verdict
Based on overall features and value,
HDFC Millennia wins!
Score: 22vsScore: 34
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