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BOBCARD ETERNA Credit Card VS Axis Bank Magnus Credit Card VS HDFC Bank Regalia Credit Card VS BOBCARD Premier Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

BOBCARD ETERNA Credit Card
BOBCARD ETERNA Credit Card
Axis Bank Magnus Credit Card
Axis Bank Magnus Credit Card
HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit Card
BOBCARD Premier Credit Card
BOBCARD Premier Credit Card

Fees & Charges

Joining Fee
₹2,499 + GST
₹12,500 + GST
₹2,500 + GST
₹1,000 + GST
Renewal Fee
₹2,499 + GST
₹12,500 + GST
₹2,500 + GST
₹1,000 + GST
Spend Based Waiver
Joining fee waived on ₹25k spend in 60 days; Renewal fee waived on ₹2.5 Lakh spend/year.
Annual fee of ₹12,500 + Taxes waived on spending ₹25 Lakhs in the preceding year.
Annual fee waiver (second year onwards) on spending Rs. 3 lakhs or more in the previous year.
Joining fee waived for ₹10,000 spend in 60 days; renewal fee waived for ₹1.2 Lakh annual spend.
Foreign Transaction Fees
2% of the transacted amount
Reduced mark-up fee of 2% on foreign transactions.
2% on all foreign currency transactions.
3.5% on the transaction amount.
Interest Rate (APR)
3.25% per month or 39% per annum
3.0% per month (42.58% annually) on extended credit.
3.6% per month or 43.2% annually on outstanding amount.
3.75% per month (45% per annum).

Rewards & Benefits

Welcome Bonus
Complimentary 6-months FITPASS Pro Membership & 10,000 bonus reward points on ₹50k spend.
Choose any one gift voucher worth INR 12,500 from Luxe, The Postcard Hotels, or Yatra.
2,500 bonus Reward Points are awarded after the successful realization of the joining fee.
500 bonus reward points (worth ₹125) on spending ₹5,000 or more within 60 days of card issuance.
Rewards Rate
Earn 15 RP per ₹100 on dining, travel, online shopping, movies & international spends (3.75% rate).
Earn 12 EDGE RPs per ₹200 (up to ₹1.5L monthly); 35 RPs per ₹200 (above ₹1.5L). 60 RPs on Travel Edge (up to ₹2L).
Earn 4 Reward Points on every Rs. 150 spent on retail.
Earn 10 RP per ₹100 on Travel, Dining & International Spends; 2 RP per ₹100 on other eligible categories.
Reward Type
Reward Points
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
Nil
Nil
Rs. 99 (plus applicable taxes) charged on every redemption request.
Nil

Travel & Lifestyle

Domestic Lounge Access
Unlimited complimentary access to domestic airport lounges, subject to ₹40k spend/quarter.
Unlimited complimentary visits to select airport lounges in India for primary and add-on cardholders.
8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers).
1 complimentary access per quarter, subject to ₹20,000 spend in preceding quarter from Jan 2025.
International Lounge Access
Not Applicable
Unlimited complimentary international lounge visits for primary cardholder with Priority Pass, plus 4 guest visits.
Priority Pass membership with 6 complimentary lounge visits per year outside India.
Not Applicable
Travel Benefits
Unlimited complimentary domestic lounge access (conditional); 15 RP per ₹100 on travel spends.
Unlimited lounge access (domestic & intl), complimentary 3rd-night stay & upgrades at Oberoi/Trident Hotels.
Complimentary domestic/international lounge access, travel insurance, and accelerated rewards on bookings.
Earn 10 RP per ₹100 on travel spends, plus complimentary domestic lounge access and travel deals.
Movie Benefits
Buy One Get One (BOGO) offer on movie tickets via District app, max ₹250/month discount.
Not Applicable
Not Applicable
Not Applicable
Dining Benefits
Earn 15 Reward Points per ₹100 on dining; access to 250+ culinary deals via Mastercard Priceless.
Upto 30% discount (up to ₹500) at over 4000 restaurants across India via Axis Dining Delights.
Get up to 20% off on partner restaurants via Swiggy Dineout when payment is made via the Swiggy application.
Earn 5X Rewards (10 RP per ₹100) on dining spends + access to mouthwatering culinary offers.
Golf Benefits
Not Applicable
4 complimentary green fees & 12 golf lessons per year for World Mastercard variant holders.
Not applicable.
Not Applicable
Fuel Surcharge Waiver
1% waiver on ₹400-₹5,000 transactions (max ₹250/month), no RPs on fuel.
1% fuel surcharge waiver (₹400-₹4000 transactions), max waiver ₹400 per month.
1% waiver on transactions Rs. 400-5,000, capped at Rs. 500 per month.
1% waiver on fuel (₹400-₹5,000 transactions), max ₹250 waiver per statement cycle.

Security & Other

Insurance Benefits
Free Personal Accidental Death Cover: ₹1 Crore (air), ₹10 Lakhs (non-air accident).
Credit Shield ₹5L, Purchase protection ₹2L, Credit Liability coverage, Lost/Delayed Baggage $500.
Accidental air death cover of Rs. 1 Cr, emergency overseas hospitalization up to Rs. 15 lakhs.
Free Personal Accidental Death Cover: ₹50 Lakhs for air travel, ₹10 Lakhs for non-air.
Cash Advance Charges
2.5% of withdrawn amount or ₹500, whichever is higher.
Nil (Interest charges applicable).
2.5% of transaction amount or Rs. 500, whichever is higher.
2.5% of the transaction amount or ₹500, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD ETERNA Credit Card

Axis Bank Magnus Credit Card

HDFC Bank Regalia Credit Card

BOBCARD Premier Credit Card

Who is it for?

The BOBCARD ETERNA Credit Card is a premium offering for those seeking an exclusive lifestyle. It provides extensive travel privileges, accelerated rewards on dining, travel, and international spends, and unlimited complimentary domestic airport lounge access. With a low foreign currency markup and various welcome benefits, the ETERNA card is designed to enhance lifestyle and provide smart savings for discerning cardholders.

Who is it for?

The Axis Bank Magnus Credit Card is a super-premium offering tailored for high-income individuals seeking a luxurious lifestyle. It provides extensive travel and dining benefits, including unlimited domestic and international lounge access, attractive hotel offers, and significant reward earnings. Despite its fees, the card delivers substantial value through exclusive perks like a low foreign currency markup and robust insurance, making it a strong choice for affluent frequent travelers.

Who is it for?

The HDFC Bank Regalia Credit Card is a premium offering designed for individuals seeking significant travel and lifestyle benefits. It provides a robust rewards program with 4 Reward Points on every Rs. 150 spent, complemented by welcome and milestone bonuses. Cardholders enjoy complimentary domestic and international lounge access, a low foreign currency markup, and comprehensive insurance coverage, making it ideal for frequent travelers and those seeking exclusive privileges.

Who is it for?

The BOBCARD Premier Credit Card is ideal for frequent travelers and diners, offering accelerated 5X reward points on these categories and international spends. It includes complimentary domestic airport lounge access and fuel surcharge waivers, providing significant value. Currently available as lifetime free, it’s a competitive choice for those seeking premium travel perks without a hefty annual fee, supported by personal accidental death cover and UPI linkage for convenience.

Pros

Key benefits and features.

Fee waivers available for both joining and annual renewal based on spending milestones.

High-value accelerated reward points on key categories like dining, travel & shopping.

Substantial Personal Accidental Death Cover: ₹1 Crore for air, ₹10 Lakhs for non-air.

Competitive 2% foreign currency markup, making international spends more affordable.

Unlimited domestic airport lounge access is provided, with a quarterly spend condition.

Pros

Key benefits and features.

Enjoy unlimited international and domestic airport lounge access, including guest visits.

Benefit from a low foreign currency markup of just 2% on all international transactions.

Receive robust insurance coverage like credit shield of ₹5 Lakhs and purchase protection.

Experience appealing welcome benefits with a gift voucher worth ₹12,500 on joining.

The World Mastercard variant offers exclusive golf privileges, including free rounds and lessons.

Pros

Key benefits and features.

Generous welcome bonus reward points and a competitive reward rate.

Low foreign exchange markup fee of 2% on international transactions.

Complimentary domestic and international lounge access with Priority Pass.

Significant milestone benefits with bonus reward points on annual spending.

Pros

Key benefits and features.

This BOBCARD Premier is currently available as a lifetime free credit card.

Enjoy 10 Reward Points per ₹100 on travel, dining, and international spends.

Receive complimentary domestic airport lounge access once every calendar quarter.

Utilize diverse BOBCARD Credit Card offers, enhancing overall savings and value.

Cons

Key drawbacks and limitations.

Domestic lounge access is conditional on a high ₹40,000 spend in prior quarter.

Previous golf benefits, including games and lessons, have been discontinued from the card.

Accelerated reward points are capped at 5,000 per cycle, limiting high-spenders' benefits.

Cons

Key drawbacks and limitations.

The card has a high annual income requirement of ₹24 Lakhs, limiting accessibility.

Some prior benefits, such as BOGO movie offers, were discontinued as of May 2024.

The reward point earning structure can be quite complex with varied rates and tiers.

Cons

Key drawbacks and limitations.

Other HDFC cards might offer better benefits or redemption options.

Many spend categories like fuel, rentals, and government spends do not earn reward points.

Reward points have an expiry period of 2 years from the date of accumulation.

Domestic lounge access is spend-based, requiring Rs. 1 lakh spend per quarter.

Cons

Key drawbacks and limitations.

The 3.5% foreign currency markup can significantly reduce benefits for heavy international spenders.

Accelerated 5X Reward Points on categories are capped at 2,000 points per statement cycle.

From Jan 2025, lounge access is conditional on meeting a minimum spend of ₹20,000 per quarter.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.