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BOBCARD ETERNA Credit Card VS Axis Bank SELECT Credit Card

A detailed, side-by-side look at 2 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 SELECT Credit Card
Axis Bank SELECT Credit Card

Fees & Charges

Joining Fee
₹2,499 + GST
₹3,000 + GST
Renewal Fee
₹2,499 + GST
₹3,000 + GST
Spend Based Waiver
Joining fee waived on ₹25k spend in 60 days; Renewal fee waived on ₹2.5 Lakh spend/year.
Annual fee waiver on spending ₹8 lakhs in a card anniversary year.
Foreign Transaction Fees
2% of the transacted amount
3.50% of the transaction value.
Interest Rate (APR)
3.25% per month or 39% per annum
3.75% per month (55.55% per annum) on retail purchases & cash.

Rewards & Benefits

Welcome Bonus
Complimentary 6-months FITPASS Pro Membership & 10,000 bonus reward points on ₹50k spend.
Get 10,000 EDGE REWARD Points worth ₹2,000 on your first card transaction within 30 days of card issuance.
Rewards Rate
Earn 15 RP per ₹100 on dining, travel, online shopping, movies & international spends (3.75% rate).
Earn 10 EDGE points per ₹200 spent; 20 points per ₹200 on retail shopping up to ₹20,000 monthly.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
₹99 per reward redemption.

Travel & Lifestyle

Domestic Lounge Access
Unlimited complimentary access to domestic airport lounges, subject to ₹40k spend/quarter.
2 complimentary domestic lounge visits per quarter on ₹50,000+ spends in previous 3 months (Max 8/year).
International Lounge Access
Not Applicable
Up to 12 complimentary international airport lounge accesses annually via Priority Pass Membership.
Travel Benefits
Unlimited complimentary domestic lounge access (conditional); 15 RP per ₹100 on travel spends.
Complimentary domestic & international lounge access. Travel insurance up to USD 500 for baggage & documents.
Movie Benefits
Buy One Get One (BOGO) offer on movie tickets via District app, max ₹250/month discount.
Get 100% discount on 2nd movie ticket via District app, up to ₹250, twice monthly. Code: AXISSELECT.
Dining Benefits
Earn 15 Reward Points per ₹100 on dining; access to 250+ culinary deals via Mastercard Priceless.
Up to 25% discount, up to ₹800, at partner restaurants via Axis Bank Dining Delights Program.
Golf Benefits
Not Applicable
6 complimentary golf rounds per year; additional 6 rounds on ₹3 Lakhs annual spend milestone.
Fuel Surcharge Waiver
1% waiver on ₹400-₹5,000 transactions (max ₹250/month), no RPs on fuel.
1% fuel surcharge waiver (transactions ₹400-₹4000), capped at ₹400 per statement cycle.

Security & Other

Insurance Benefits
Free Personal Accidental Death Cover: ₹1 Crore (air), ₹10 Lakhs (non-air accident).
Purchase protection up to ₹1 Lakh. Travel insurance (USD 500) for lost documents/baggage.
Cash Advance Charges
2.5% of withdrawn amount or ₹500, whichever is higher.
2.5% of cash amount (Minimum ₹500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD ETERNA Credit Card

Axis Bank SELECT 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 Select Credit Card is a versatile lifestyle card, offering extensive benefits across shopping, travel, and dining. It provides accelerated EDGE Reward Points, discounts on platforms like Swiggy and BigBasket, and complimentary domestic & international lounge access. With valuable golf privileges, comprehensive insurance, and milestone rewards including an annual fee waiver, it's ideal for those seeking a premium and rewarding credit card experience.

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 ₹200 off twice monthly on Swiggy and significant discounts on BigBasket shopping.

Access 12 complimentary international airport lounges annually through Priority Pass membership.

Benefit from comprehensive insurance cover, including purchase protection and travel insurance.

Achieve annual fee waiver and bonus reward points with substantial milestone spending.

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.

No reward points are earned on fuel transactions made with the Axis Bank Select Credit Card.

The initial joining fee of ₹3,000 + GST is not fully offset by the ₹2,000 welcome benefit.

Reward points are not earned on key categories such as rent, insurance, and utility payments.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

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