BOBCARD ETERNA Credit Card VS BOBCARD Tiara Credit Card VS HPCL ENERGIE BOBCARD Credit Card VS BOBCARD Premier Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
BOBCARD ETERNA Credit Card
BOBCARD Tiara Credit Card
HPCL ENERGIE BOBCARD Credit Card
BOBCARD Premier Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
High reward rate (3.75%) on key categories like online shopping, travel, dining, movies, and international spends.
Low foreign currency markup of 2% makes it ideal for international travelers and online shoppers.
Offers both joining and annual fee spend-based waivers, making the card potentially free.
Unlimited complimentary domestic airport lounge access, though subject to a spend condition.
Available on the RuPay network, enabling UPI transactions with rewards, a unique advantage.
Pros
Key benefits and features.
Highly competitive 2% Forex markup charge, lower than most credit cards in the market.
Accelerated reward points on international spends benefit frequent international travelers.
Offers a high effective reward rate of 3.75% on dining and travel spends.
Wide array of lifestyle benefits including shopping discounts, entertainment, and health perks.
Pros
Key benefits and features.
Accelerated reward points on HPCL fuel, groceries, and departmental store spends.
Complimentary domestic airport lounge access enhances travel convenience for cardholders.
Enjoy movie ticket discounts, making entertainment more affordable with this card.
Annual fee waiver on achieving a reasonable spend threshold of ₹50,000 annually.
Pros
Key benefits and features.
Currently available as a lifetime free credit card (limited-time offer) with a decent reward rate.
Offers free domestic airport lounge access across the country.
Provides 5X reward points on travel, dining, and international spending.
Beneficial for taking advantage of various BOBCARD Credit Card offers.
Includes a fee waiver on milestone spends for the paid version.
Cons
Key drawbacks and limitations.
Accelerated reward points are capped at 5,000 points per statement cycle for specific categories.
Domestic airport lounge access is conditional on high quarterly spending, which may be challenging.
Golf benefits previously offered with the Eterna Credit Card have since been removed.
No reward points are earned on certain categories such as insurance, fuel, and wallet transactions.
Cons
Key drawbacks and limitations.
Despite international benefits, the BOBCARD Tiara does not offer international airport lounge access.
Domestic airport lounge access is conditional on meeting a minimum spending requirement.
Reward points on accelerated categories and UPI transactions are capped per statement cycle.
Cons
Key drawbacks and limitations.
High foreign currency markup of 3.5% makes international transactions expensive.
Lounge access is subject to a minimum spend of ₹20,000 in the preceding quarter.
High interest rates of up to 45% annually can be a significant drawback if balances are carried.
Reward points are capped for accelerated categories, limiting maximum benefits.
Cons
Key drawbacks and limitations.
High 3.5% foreign currency markup fee, despite accelerated international spend rewards.
Accelerated 5X Reward Points are capped at 2,000 points per month in specific categories.
Complimentary lounge access will become conditional on minimum spends from January 1, 2025.