BOBCARD ETERNA Credit Card VS Axis Bank Magnus Credit Card VS HDFC Bank Regalia Credit Card VS IndusInd Bank Avios Visa Infinite Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
BOBCARD ETERNA Credit Card
Axis Bank Magnus Credit Card
HDFC Bank Regalia Credit Card
IndusInd Bank Avios Visa Infinite Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Multi-co-branded nature allows choice of airline loyalty program and destination.
Competitive Avios earning rates, especially for international spends and airline bookings.
Low foreign currency markup of 1.5% at your chosen international destination.
Comprehensive travel benefits include lounge access, meet-and-greet, and insurance.
Significant welcome, milestone, and renewal bonus Avios can offset premium fees.
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.
High joining fee of ₹10,000 + GST and renewal fee of ₹5,000 + GST.
Benefits are primarily focused on specific airlines and international travel.
Foreign currency markup reverts to 3.5% for non-preferred international destinations.
Spend-based waiver for annual fee is not applicable, making the fee mandatory.
Avios earning rate is lower for essential spending like utilities and education.