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BOBCARD ETERNA Credit Card VS Flipkart Axis Bank 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.
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Last updated: 18 July 2026

BOBCARD ETERNA Credit Card and Flipkart Axis Bank Credit Card sit at different price points for different goals. ETERNA charges ₹2,499 + GST (waivable on ₹25k spend in 60 days) and rewards travel, dining and international spends at a flat 3.75% (15 RP/₹100), plus unlimited domestic lounge access on ₹40k quarterly spend. Flipkart Axis is far cheaper at ₹500 + GST and pays targeted cashback on Flipkart, Myntra and food delivery, with no lounge access at all. If you travel and dine often and can hit the spend thresholds, ETERNA's lounge access and flat rewards pay off; for pure online-shopping cashback at low cost, Flipkart Axis wins.

BOBCARD ETERNA Credit Card
BOBCARD ETERNA Credit Card
Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card

Fees & Charges

Joining Fee₹2,499 + GST
Joining FeeFree (1st year)
Renewal Fee₹2,499 + GST
Renewal Fee₹500 + GST
Spend Based WaiverJoining fee waiver on ₹25,000 spend in 60 days; annual fee waiver on ₹2,50,000 annual spend.
Spend Based WaiverAnnual fee waived on annual spends greater than ₹3.5 lakhs.
Foreign Transaction Fees2% of the transacted amount.
Foreign Transaction Fees3.5% of the transaction value.
Interest Rate (APR)3.75% Per Month or 45% Per Annum.
Interest Rate (APR)3.75% per month (55.55% per annum) for retail purchases and cash.

Rewards & Benefits

Welcome BonusEarn 10,000 bonus reward points on spending ₹50,000 within the first 60 days of card issuance.
Welcome Bonus₹350 activation benefits, ₹250 Flipkart voucher, and ₹100 Swiggy discount on joining.
Rewards RateEarn 15 Reward Points for every ₹100 on online, travel, dining, movie, international spends.
Rewards Rate7.5% on Myntra, 5% on Flipkart & Cleartrip, 4% on preferred partners, 1% on other eligible spends.
Reward TypeReward Points
Reward TypeCashback
Reward Redemption FeeNil.
Reward Redemption FeeNil / No.

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary lounge access at domestic airports, subject to spend criteria.
Domestic Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
International Lounge Access
International Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
Travel BenefitsUnlimited complimentary domestic lounge access (spend-based); low 2% foreign currency markup.
Travel Benefits5% cashback on Cleartrip spends and 4% cashback on Uber rides.
Movie BenefitsEnjoy Buy One Get One (BOGO) on movie tickets booked through the District App, max discount ₹250/month.
Movie BenefitsAccelerated cashback (4%) on PVR movie tickets.
Dining BenefitsAccess to 250+ culinary deals at Mastercard’s priceless special.
Dining Benefits15% off up to ₹500 at partner restaurants with Axis Bank Dining Delights. 4% cashback on Swiggy food orders.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹400-₹5,000, capped at ₹250 per cycle.
Fuel Surcharge Waiver1% waiver on fuel purchases (₹400-₹4,000), max ₹400 per cycle.

Security & Other

Insurance BenefitsFree Personal Accidental Death Cover (Air: ₹1 Crore, Non-Air: ₹10 Lakhs).
Insurance BenefitsThe card does not offer any insurance benefits like air accident cover or cover against loss/delay of luggage.
Cash Advance Charges2.5% of withdrawn amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of the cash amount, with a minimum of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD ETERNA Credit Card

Flipkart Axis Bank Credit Card

Who is it for?

The BOBCARD Eterna Credit Card is a premium offering designed for individuals seeking significant travel and lifestyle privileges. It provides a high reward rate of 3.75% on online, travel, dining, movie, and international spends, coupled with a low 2% foreign currency markup. Cardholders enjoy unlimited complimentary domestic lounge access (spend-based) and valuable welcome and milestone benefits. This card is an excellent choice for those desiring premium features without a prohibitive annual fee.

Who is it for?

The Flipkart Axis Bank Credit Card is an entry-level card designed for online shoppers, offering significant cashback on popular platforms like Flipkart, Myntra, and Cleartrip. It provides high reward rates on preferred partners such as Swiggy, Uber, and PVR, making it ideal for digital spending and daily online transactions. With cashback directly adjusted to the statement, it simplifies savings for users who frequently shop online and seek value on fashion, travel, and entertainment.

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.

Very good reward rate of 5% on all eligible spends on Flipkart and Cleartrip.

High reward rate of 7.5% on Myntra, making it ideal for fashion shopping.

Good reward rate of 4% on partner merchants like Swiggy, Uber, PVR, FitPass.

Cashback is directly adjusted against the card’s statement balance every month, simplifying redemption.

No upper limit on cashback for most categories, providing significant savings potential.

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.

Not the best choice for offline shopping, offering only 1% cashback on such spends.

Does not offer any insurance benefits, such as air accident cover or luggage cover.

No complimentary airport lounge access, limiting travel perks for cardholders.

New fees on rent, education, utilities, and wallet loads from late 2024.

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.
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