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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.

Features

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
₹500 + GST
Renewal Fee
₹2,499 + GST
₹500 + GST
Spend Based Waiver
Joining fee waived on ₹25k spend in 60 days; Renewal fee waived on ₹2.5 Lakh spend/year.
Annual fee waived on annual spends exceeding Rs. 3,50,000.
Foreign Transaction Fees
2% of the transacted amount
3.5% of transaction value; 1.5% for DCC.
Interest Rate (APR)
3.25% per month or 39% per annum
3.75% per month (55.55% per annum).

Rewards & Benefits

Welcome Bonus
Complimentary 6-months FITPASS Pro Membership & 10,000 bonus reward points on ₹50k spend.
Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount.
Rewards Rate
Earn 15 RP per ₹100 on dining, travel, online shopping, movies & international spends (3.75% rate).
Earn 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others.
Reward Type
Reward Points
Cashback
Reward Redemption Fee
Nil
No charges for cashback redemption.

Travel & Lifestyle

Domestic Lounge Access
Unlimited complimentary access to domestic airport lounges, subject to ₹40k spend/quarter.
Not offered as of 20th June 2025.
International Lounge Access
Not Applicable
Not offered as of 20th June 2025.
Travel Benefits
Unlimited complimentary domestic lounge access (conditional); 15 RP per ₹100 on travel spends.
4% cashback on Uber, up to 15% off on MakeMyTrip flights/hotels & 5% cashback on Cleartrip.
Movie Benefits
Buy One Get One (BOGO) offer on movie tickets via District app, max ₹250/month discount.
Unlimited 4% cashback on PVR movie ticket bookings.
Dining Benefits
Earn 15 Reward Points per ₹100 on dining; access to 250+ culinary deals via Mastercard Priceless.
15% off up to Rs. 500 at 10,000+ partner restaurants & 4% cashback on Swiggy food orders.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on ₹400-₹5,000 transactions (max ₹250/month), no RPs on fuel.
1% waiver on fuel spends (Rs. 400-Rs. 4000), max Rs. 400/month.

Security & Other

Insurance Benefits
Free Personal Accidental Death Cover: ₹1 Crore (air), ₹10 Lakhs (non-air accident).
None explicitly offered.
Cash Advance Charges
2.5% of withdrawn amount or ₹500, whichever is higher.
2.5% of amount (minimum Rs. 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 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 Flipkart Axis Bank Credit Card is an excellent choice for online shoppers, providing significant cashback on Flipkart, Myntra, and Cleartrip. It also offers accelerated rewards on popular platforms like Swiggy, Uber, PVR, and cult.fit, making it versatile for various digital spends. Cardholders also enjoy dining benefits. The cashback is directly credited to the statement, ensuring straightforward value.

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.

Offers high cashback rates on major e-commerce platforms like Flipkart and Myntra.

Cashback is directly credited to your statement, simplifying the redemption process.

Enjoy unlimited cashback on preferred partners and most other eligible card spends.

Access exclusive dining benefits and discounts with the Axis Bank Dining Delights program.

Provides a beneficial 1% fuel surcharge waiver at all stations across India.

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.

Offers relatively low 1% cashback on most offline shopping and general spends.

The card currently does not provide any complimentary insurance benefits to cardholders.

High annual spend of Rs. 3,50,000 required to waive off the annual renewal fee.

Welcome benefits for new cardholders have seen a reduction from previous offers.

Reports suggest some users face challenges with voucher redemption and card cancellations.

Ready to Choose?

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