BOB Eterna Credit Card vs HDFC Regalia Gold
Detailed comparison of these two popular credit cards
BOB Eterna Credit Card
Bank of Baroda
Super PremiumVS
Winner
HDFC Regalia Gold
HDFC Bank
PremiumAnnual Fee
₹2K vs ₹3K
Effective Rate
(cash value)
0.8% vs 1.3%
Lounge Access
Unlimited (₹40K quarterly spend req) vs 12/year
Detailed Comparison
| Feature | BOB Eterna Credit Card | HDFC Regalia Gold |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹2K | ₹3K |
| Annual Fee | ₹2K | ₹3K |
| Fee Waiver | JF: ₹25K/60 days; AF: Spend ₹2.5L/year | Spend ₹4L annually |
| Forex Markup | 2% | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.75% | 1.33% |
Lounge Access | ||
| Domestic Lounges | Unlimited (₹40K quarterly spend req) | 12/year |
| Priority Pass | No | Yes |
Eligibility | ||
| Min. Income | ₹18.0L | ₹12.0L |
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 Regalia Gold is Best For
Mid-tier spenders wanting lounge access
Watch Out
- • Devalued from original Regalia benefits
Our Verdict
Based on overall features and value,
HDFC Regalia Gold wins!
Score: 22vsScore: 51
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