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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.

Features

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
₹9,999 + GST
Renewal Fee
₹2,499 + GST
₹4,999 + 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 on spending Rs. 10 Lakh in a year.
Foreign Transaction Fees
2% of the transacted amount
1% of the transaction amount.
Interest Rate (APR)
3.25% per month or 39% per annum
2.99% per month (35.88% annually).

Rewards & Benefits

Welcome Bonus
Complimentary 6-months FITPASS Pro Membership & 10,000 bonus reward points on ₹50k spend.
Get 40,000 Reward Points & complimentary ETPrime subscription voucher worth ₹3,199.
Rewards Rate
Earn 15 RP per ₹100 on dining, travel, online shopping, movies & international spends (3.75% rate).
Earn 36 Reward Points on ₹200 online spends (4.5%) & 18 Reward Points on ₹200 offline spends (2.25%).
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
Nil.

Travel & Lifestyle

Domestic Lounge Access
Unlimited complimentary access to domestic airport lounges, subject to ₹40k spend/quarter.
6 complimentary domestic airport lounge visits each quarter for primary/add-on cardholders.
International Lounge Access
Not Applicable
Unlimited international lounge access for primary & add-on cardholders, plus 4 guest visits/year.
Travel Benefits
Unlimited complimentary domestic lounge access (conditional); 15 RP per ₹100 on travel spends.
Unlimited international lounge access, 6 domestic lounge visits/quarter, and low 1% foreign currency markup.
Movie Benefits
Buy One Get One (BOGO) offer on movie tickets via District app, max ₹250/month discount.
Buy One Get One (BOGO) free on movie ticket bookings, capped at 3 transactions/month (max ₹800/ticket).
Dining Benefits
Earn 15 Reward Points per ₹100 on dining; access to 250+ culinary deals via Mastercard Priceless.
Enjoy a 15% discount on select restaurants.
Golf Benefits
Not Applicable
Waiver of 4 Green Fee rounds & one complimentary golf lesson every calendar month at select courses.
Fuel Surcharge Waiver
1% waiver on ₹400-₹5,000 transactions (max ₹250/month), no RPs on fuel.
1% on fuel (Rs. 400-Rs. 5,000) with max waiver of ₹1,000 per statement cycle.

Security & Other

Insurance Benefits
Free Personal Accidental Death Cover: ₹1 Crore (air), ₹10 Lakhs (non-air accident).
Credit Shield Cover of Rs. 3 Lakh and 6-month accidental damage insurance for mobile/electronics.
Cash Advance Charges
2.5% of withdrawn amount or ₹500, whichever is higher.
2.5% of the transaction amount.
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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 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 Yes Bank Marquee Credit Card is a super-premium offering designed for individuals who frequently shop online, travel, and seek entertainment benefits. It provides comprehensive features including unlimited international lounge access, BOGO movie offers, dining discounts, and accelerated Reward Points. With purchase protection and a low foreign currency markup, it's a well-rounded option for premium cardholders seeking high-value benefits.

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.

Unlimited international lounge access and a low 1% foreign currency markup for global travel.

Attractive BOGO movie offers and dining discounts make it appealing for entertainment.

Accelerated reward points on online and offline spends provide significant value back.

Comprehensive insurance benefits including credit shield and purchase protection for devices.

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.

High joining fee of Rs. 9,999 + GST, which might be a barrier for some.

Welcome benefits may feel limited compared to the significant initial joining fees.

High minimum income required (₹3 Lakh/month) limits accessibility for many applicants.

Domestic lounge access is conditional on spending, unlike the unlimited international access.

Ready to Choose?

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