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BOBCARD ETERNA Credit Card VS Yes Bank Marquee 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 at ₹2,499 + GST is a budget premium option with unlimited domestic lounge access (spend-conditional) and 15 RP/₹100 (3.75%) on travel, dining and international spends. Yes Bank Marquee Credit Card costs ₹9,999 + GST but adds unlimited international lounge access, a much lower 1% forex markup versus ETERNA's 2%, and 40,000 welcome points. If your travel is mostly domestic, ETERNA's low cost wins; frequent international travelers get far more value from Marquee's unlimited global lounge access and cheaper forex.

BOBCARD ETERNA Credit Card
BOBCARD ETERNA Credit Card
Yes Bank Marquee Credit Card
Yes Bank Marquee Credit Card

Fees & Charges

Joining Fee₹2,499 + GST
Joining Fee₹9,999 + GST
Renewal Fee₹2,499 + GST
Renewal Fee₹4,999 + 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 spending Rs. 10 Lakh in a year.
Foreign Transaction Fees2% of the transacted amount.
Foreign Transaction Fees1% of the transaction amount.
Interest Rate (APR)3.75% Per Month or 45% Per Annum.
Interest Rate (APR)2.99% per month (35.88% annually).

Rewards & Benefits

Welcome BonusEarn 10,000 bonus reward points on spending ₹50,000 within the first 60 days of card issuance.
Welcome Bonus40,000 Reward Points & complimentary ETPrime subscription voucher worth ₹3,199.
Rewards RateEarn 15 Reward Points for every ₹100 on online, travel, dining, movie, international spends.
Rewards RateEarn 36 RP on ₹200 online (4.5%), 18 RP on ₹200 offline (2.25%), 10 RP on ₹200 utilities (1.25%).
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil.
Reward Redemption Fee₹100 + GST

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary lounge access at domestic airports, subject to spend criteria.
Domestic Lounge Access6 complimentary visits/quarter for primary/add-on + 2 guest visits/quarter (spend ₹1L/quarter).
International Lounge Access
International Lounge AccessUnlimited access for primary/add-on cardholders + 4 guest visits/year.
Travel BenefitsUnlimited complimentary domestic lounge access (spend-based); low 2% foreign currency markup.
Travel BenefitsLow 1% foreign currency markup; extensive lounge access; travel assistance.
Movie BenefitsEnjoy Buy One Get One (BOGO) on movie tickets booked through the District App, max discount ₹250/month.
Movie BenefitsBuy One Get One (BOGO) on movie tickets, capped at 3/month (max ₹800/ticket).
Dining BenefitsAccess to 250+ culinary deals at Mastercard’s priceless special.
Dining Benefits15% discount at select restaurants.
Golf Benefits
Golf BenefitsWaiver of 4 Green Fees; 1 complimentary golf lesson per month at select courses.
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹400-₹5,000, capped at ₹250 per cycle.
Fuel Surcharge Waiver1% waiver on transactions ₹500-₹5,000, max ₹1,000/statement cycle.

Security & Other

Insurance BenefitsFree Personal Accidental Death Cover (Air: ₹1 Crore, Non-Air: ₹10 Lakhs).
Insurance BenefitsCredit Shield Cover of Rs. 3 Lakh; 6-month accidental damage insurance for online electronics.
Cash Advance Charges2.5% of withdrawn amount or ₹500, whichever is higher.
Cash Advance Charges2.5% or ₹650, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD ETERNA Credit Card

Yes Bank Marquee 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 Yes Bank Marquee Credit Card is a super-premium offering designed for individuals seeking extensive benefits across travel, shopping, and entertainment. It features unlimited international airport lounge access, buy-one-get-one-free movie tickets, and an accelerated reward points program. With a low 1% foreign currency markup and purchase protection, it's ideal for frequent travelers and high spenders who can maximize its premium perks.

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.

Ideal for international travelers due to unlimited international lounge access and a low 1% foreign currency markup.

Attractive for entertainment lovers, offering BOGO movie tickets and dining discounts.

Accelerated reward points on online and offline spends, including specific utility payments.

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 has a high joining fee of Rs. 9,999 + GST, making initial cost significant.

Welcome benefits, while valuable, may seem limited compared to the high joining charge.

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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