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BOBCARD Tiara Credit Card VS BOBCARD ETERNA 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 Tiara Credit Card
BOBCARD Tiara Credit Card
BOBCARD ETERNA Credit Card
BOBCARD ETERNA Credit Card

Fees & Charges

Joining Fee
₹2,499 + GST
₹2,499 + GST
Renewal Fee
₹2,499 + GST
₹2,499 + GST
Spend Based Waiver
Joining fee waived with ₹25,000 spend in 60 days. Annual fee waived with ₹2,50,000 spend.
Joining fee waived on ₹25k spend in 60 days; Renewal fee waived on ₹2.5 Lakh spend/year.
Foreign Transaction Fees
Reduced Forex mark-up of 2% on International Spends.
2% of the transacted amount
Interest Rate (APR)
3.25% Per Month (39% Per Annum)
3.25% per month or 39% per annum

Rewards & Benefits

Welcome Bonus
Free Swiggy One, Fitpass Pro, Amazon Prime/Jio Hotstar memberships, plus a women's health package.
Complimentary 6-months FITPASS Pro Membership & 10,000 bonus reward points on ₹50k spend.
Rewards Rate
Earn 15 Reward Points per ₹100 on Dining, Travel & International; 3 RP per ₹100 on other spends.
Earn 15 RP per ₹100 on dining, travel, online shopping, movies & international spends (3.75% rate).
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Not applicable (N/A)
Nil

Travel & Lifestyle

Domestic Lounge Access
Unlimited domestic airport lounge access, conditional on ₹40,000 spend from Jan 1, 2025.
Unlimited complimentary access to domestic airport lounges, subject to ₹40k spend/quarter.
International Lounge Access
No international airport lounge access is provided with this card.
Not Applicable
Travel Benefits
Accelerated 5X Reward Points on travel, 2% Forex markup, and unlimited domestic lounge access.
Unlimited complimentary domestic lounge access (conditional); 15 RP per ₹100 on travel spends.
Movie Benefits
Flat ₹250 off on a minimum purchase of 2 movie/non-movie tickets with BookMyShow, quarterly.
Buy One Get One (BOGO) offer on movie tickets via District app, max ₹250/month discount.
Dining Benefits
Earn 15 RP/₹100 on dining, plus unlimited free deliveries with Swiggy One membership.
Earn 15 Reward Points per ₹100 on dining; access to 250+ culinary deals via Mastercard Priceless.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on transactions ₹400-₹5,000, max ₹250/cycle. No RPs on fuel transactions.
1% waiver on ₹400-₹5,000 transactions (max ₹250/month), no RPs on fuel.

Security & Other

Insurance Benefits
Zero Liability cover on lost card upon immediate reporting of the loss.
Free Personal Accidental Death Cover: ₹1 Crore (air), ₹10 Lakhs (non-air accident).
Cash Advance Charges
Not applicable (N/A)
2.5% of withdrawn amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD Tiara Credit Card

BOBCARD ETERNA Credit Card

Who is it for?

The BOBCARD Tiara Credit Card empowers women with tailored rewards and benefits. It offers accelerated 5X Reward Points on dining, travel, and international spends, a low Forex markup of 2%, and valuable complimentary memberships. Enjoy unlimited domestic lounge access and UPI linking for convenient payments. The card's fees can be easily waived by meeting spending milestones, making it an excellent option for a lifestyle-focused 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.

Pros

Key benefits and features.

The 2% Forex markup charge is lower than typical, making it competitive for international transactions.

The card offers accelerated reward points for international spends, enhancing its value.

Enjoy complimentary memberships to Swiggy One, FitPass Pro, Amazon Prime, and Gaana Plus annually.

A high reward rate of 3.75% on dining, travel, and international spends is very attractive.

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.

Cons

Key drawbacks and limitations.

The BOBCARD Tiara does not offer international airport lounge access despite low Forex charges.

Domestic lounge access becomes conditional on spending ₹40,000 quarterly starting January 2025.

5X reward points on dining, travel, and international spends are capped at 5,000 points per cycle.

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.

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.