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BOBCARD ETERNA Credit Card VS HDFC Bank Diners Club Privilege 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
HDFC Bank Diners Club Privilege Credit Card
HDFC Bank Diners Club Privilege Credit Card

Fees & Charges

Joining Fee
₹2,499 + GST
₹1,000 + GST
Renewal Fee
₹2,499 + GST
₹1,000 + GST
Spend Based Waiver
Joining fee waived on ₹25k spend in 60 days; Renewal fee waived on ₹2.5 Lakh spend/year.
Renewal fee waived for next year on spends of Rs. 3 Lakhs in the card anniversary year.
Foreign Transaction Fees
2% of the transacted amount
A nominal 3.5% on all your foreign currency spends.
Interest Rate (APR)
3.25% per month or 39% per annum
3.75% Per Month (equivalent to 45% Per Annum).

Rewards & Benefits

Welcome Bonus
Complimentary 6-months FITPASS Pro Membership & 10,000 bonus reward points on ₹50k spend.
Complimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within 90 days.
Rewards Rate
Earn 15 RP per ₹100 on dining, travel, online shopping, movies & international spends (3.75% rate).
Earn 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
Rs 99 per redemption request (plus applicable taxes).

Travel & Lifestyle

Domestic Lounge Access
Unlimited complimentary access to domestic airport lounges, subject to ₹40k spend/quarter.
2 complimentary lounge visits per quarter in India.
International Lounge Access
Not Applicable
2 complimentary lounge visits per quarter worldwide (including international destinations).
Travel Benefits
Unlimited complimentary domestic lounge access (conditional); 15 RP per ₹100 on travel spends.
2 complimentary airport lounge accesses every quarter worldwide. Up to 10X Rewards on booking flights & hotels via Smartbuy.
Movie Benefits
Buy One Get One (BOGO) offer on movie tickets via District app, max ₹250/month discount.
'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow (max discount Rs. 250/ticket, up to 2 monthly).
Dining Benefits
Earn 15 Reward Points per ₹100 on dining; access to 250+ culinary deals via Mastercard Priceless.
Earn 5X Reward Points on Swiggy and Zomato. FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants via Swiggy Dineout.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on ₹400-₹5,000 transactions (max ₹250/month), no RPs on fuel.
Not applicable.

Security & Other

Insurance Benefits
Free Personal Accidental Death Cover: ₹1 Crore (air), ₹10 Lakhs (non-air accident).
Air accident ₹1 Cr, overseas hospitalization ₹25 Lakhs, travel insurance ₹50k, credit liability ₹9 Lakh.
Cash Advance Charges
2.5% of withdrawn amount or ₹500, whichever is higher.
2.5% of the withdrawal amount, subject to a minimum charge of Rs 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD ETERNA Credit Card

HDFC Bank Diners Club Privilege 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?

HDFC Bank Diners Club Privilege Credit Card is a sub-premium credit card offering a range of rewards and benefits tailored for a premium lifestyle. Cardholders receive complimentary annual memberships to Swiggy One and Times Prime as a welcome benefit upon spending ₹75,000 within the first 90 days. The card provides 4 Reward Points for every ₹150 spent on retail, with accelerated earnings of up to 10x Reward Points on SmartBuy spends and 5x Reward Points on Swiggy and Zomato transactions. Additionally, it offers 'Buy 1 Get 1 Free' on weekend movie/non-movie tickets via BookMyShow and provides complimentary access to over 1,000 airport lounges worldwide.

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.

Earn 4 Reward Points per Rs. 150 spent, with accelerated 5x Reward Points on Zomato and Swiggy spends.

Frequent travelers benefit from 8 complimentary domestic and international lounge access per year.

Avail complimentary annual Swiggy One and Times Prime memberships as welcome benefits on eligible spend.

Enjoy 'Buy 1 Get 1 Free' movie/non-movie tickets on weekends via BookMyShow, enhancing entertainment value.

The card offers impressive insurance benefits, including air accident and overseas hospitalization cover.

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 welcome benefit offers of Swiggy One and Times Prime memberships may not be desired by all cardholders.

The annual fee of Rs 1,000 + taxes is relatively higher than some competing credit card options.

A rewards redemption fee of Rs 99 + taxes is applicable for each redemption request.

A foreign currency markup of 3.5% applies to international transactions, which can be quite high.

Interest rates of 3.75% per month (45% annually) can lead to high costs if balances are carried over.

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.