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BOBCARD ETERNA Credit Card VS HDFC Bank INFINIA Metal 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

Both are premium cards with strong dining rewards, but at very different price points. BOBCARD ETERNA charges ₹2,499 + GST and earns 15 Reward Points per ₹100 (3.75%) on dining, travel, and international spends, plus unlimited domestic lounge access. HDFC Bank INFINIA Metal charges ₹12,500 + GST but delivers unlimited domestic and international lounge access, a complimentary Club Marriott membership, and a 1+1 buffet offer at ITC hotels. If dining rewards at a moderate fee are the priority, ETERNA is the accessible option; if you want top-tier global lounge access and 5-star dining privileges and can absorb the higher fee, INFINIA is in a different league.

BOBCARD ETERNA Credit Card
BOBCARD ETERNA Credit Card
HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card

Fees & Charges

Joining Fee₹2,499 + GST
Joining Fee₹12,500 + GST
Renewal Fee₹2,499 + GST
Renewal Fee₹12,500 + GST
Spend Based WaiverJoining fee waiver on ₹25,000 spend in 60 days; annual fee waiver on ₹2,50,000 annual spend.
Spend Based WaiverRenewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Foreign Transaction Fees2% of the transacted amount.
Foreign Transaction Fees2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)3.75% Per Month or 45% Per Annum.
Interest Rate (APR)1.99% per month (23.8% annualized) on the due amount.

Rewards & Benefits

Welcome BonusEarn 10,000 bonus reward points on spending ₹50,000 within the first 60 days of card issuance.
Welcome BonusComplimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Rewards RateEarn 15 Reward Points for every ₹100 on online, travel, dining, movie, international spends.
Rewards RateEarn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil.
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary lounge access at domestic airports, subject to spend criteria.
Domestic Lounge AccessUnlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge Access
International Lounge AccessUnlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
Travel BenefitsUnlimited complimentary domestic lounge access (spend-based); low 2% foreign currency markup.
Travel BenefitsComplimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Movie BenefitsEnjoy Buy One Get One (BOGO) on movie tickets booked through the District App, max discount ₹250/month.
Movie Benefits
Dining BenefitsAccess to 250+ culinary deals at Mastercard’s priceless special.
Dining BenefitsComplimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Golf Benefits
Golf BenefitsUnlimited complimentary golf lessons and games at leading courses across India and worldwide.
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹400-₹5,000, capped at ₹250 per cycle.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.

Security & Other

Insurance BenefitsFree Personal Accidental Death Cover (Air: ₹1 Crore, Non-Air: ₹10 Lakhs).
Insurance BenefitsAccidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Cash Advance Charges2.5% of withdrawn amount or ₹500, whichever is higher.
Cash Advance ChargesNIL, but interest charges are applicable from the date of cash advance.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD ETERNA Credit Card

HDFC Bank INFINIA Metal 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 HDFC Bank INFINIA Metal Credit Card is a super-premium, invite-only offering designed for high-net-worth individuals. It provides luxurious benefits like unlimited global lounge access, complimentary golf, a 24x7 concierge, and high reward earnings. With its low foreign currency markup and comprehensive insurance, it caters to an uncompromising lifestyle.

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.

Unlimited lounge access globally for primary and add-on cardholders via Priority Pass membership.

Enjoy unlimited complimentary golf games and coaching at premier courses across the world.

Highly rewarding with 5 Reward Points for every ₹150 spent, up to 10X on SmartBuy.

Valuable welcome & renewal benefits, including bonus RPs & complimentary Club Marriott membership.

Comprehensive insurance benefits, including air accidental death cover and overseas hospitalization.

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.

The card is strictly invite-only, making it inaccessible to most potential applicants due to rigorous criteria.

Significant joining and renewal fees, though a waiver is possible with very high annual spending.

Reward points have monthly caps on grocery, telecom, and utility transactions, limiting earning potential.

Low cashback redemption value (₹0.30 per point) compared to higher value redemptions for travel.

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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