BOBCARD ETERNA Credit Card VS ICICI Bank Platinum Chip Credit Card
BOBCARD ETERNA charges ₹2,499 + GST but earns an accelerated 15 Reward Points per ₹100 (3.75%) on dining plus unlimited domestic lounge access. ICICI Bank Platinum Chip is entirely free with a flat 2 Reward Points per ₹100 on retail and a 15% dining discount via the Culinary Treats programme at 2,500+ restaurants. If you dine out often and want lounge access too, ETERNA's fee returns real value; if you'd rather rely on a flat dining discount at zero cost, Platinum Chip needs no ongoing spend commitment to stay free.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
BOBCARD ETERNA Credit Card
ICICI Bank Platinum Chip Credit Card
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.
The ICICI Bank Platinum Chip Credit Card is lifetime free with no joining or annual fees.
Earns valuable reward points on everyday retail, utility, and insurance expenditures.
Enjoy significant savings with up to 15% discount on dining via the Culinary Treats Programme.
Benefit from a 1% fuel surcharge waiver at HPCL pumps for transactions between ₹400 and ₹4,000.
Conveniently convert your large purchases into easy and manageable EMI options.
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.
A redemption fee of ₹99 + GST is applicable for each reward point redemption request.
The card levies a relatively high foreign currency markup fee of 3.5% on international transactions.
High interest rates of 3.75% per month apply to overdue amounts and cash advances.
Significant cash advance fees are charged, which can be costly for emergency withdrawals.