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EazyDiner IndusInd Bank 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.
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Last updated: 18 July 2026

Both EazyDiner IndusInd Bank Credit Card and BOBCARD ETERNA Credit Card suit dining-focused spenders, but they earn and cost differently. EazyDiner IndusInd Bank Credit Card costs ₹2,999 + GST and earns 10 RP/₹100 on Hotel, Travel, Shopping, Entertainment; 4 RP/₹100 on others. 3X EazyPoints on EazyDiner App. BOBCARD ETERNA Credit Card costs ₹2,499 + GST and earns 15 RP per ₹100 on dining, travel, online shopping, movies & international spends (3.75% rate). EazyDiner IndusInd Bank Credit Card also brings 'Total Protect' covers fraudulent use up to credit limit for loss/theft/counterfeit fraud, while BOBCARD ETERNA Credit Card counters with unlimited complimentary access to domestic airport lounges, subject to ₹40k spend/quarter. If dining spending matters more, go with EazyDiner IndusInd Bank Credit Card; if travel is the priority, BOBCARD ETERNA Credit Card fits better.

EazyDiner IndusInd Bank Credit Card
EazyDiner IndusInd Bank Credit Card
BOBCARD ETERNA Credit Card
BOBCARD ETERNA Credit Card

Fees & Charges

Joining Fee₹2,999 + GST
Joining Fee₹2,499 + GST
Renewal Fee₹2,999 + GST
Renewal Fee₹2,499 + GST
Spend Based WaiverNo spend-based waiver for the annual fee.
Spend Based WaiverJoining fee waiver on ₹25,000 spend in 60 days; annual fee waiver on ₹2,50,000 annual spend.
Foreign Transaction Fees3.5%
Foreign Transaction Fees2% of the transacted amount.
Interest Rate (APR)3.83% per month (APR: 45.96%)
Interest Rate (APR)3.75% Per Month or 45% Per Annum.

Rewards & Benefits

Welcome Bonus2,000 EazyPoints, 12-month EazyDiner Prime membership, and a ₹7,500 Postcard Hotel stay voucher.
Welcome BonusEarn 10,000 bonus reward points on spending ₹50,000 within the first 60 days of card issuance.
Rewards Rate10 RP/₹100 on Hotel, Travel, Shopping, Entertainment; 4 RP/₹100 on others. 3X EazyPoints on EazyDiner App.
Rewards RateEarn 15 Reward Points for every ₹100 on online, travel, dining, movie, international spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNil.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessUnlimited complimentary lounge access at domestic airports, subject to spend criteria.
International Lounge Access
International Lounge Access
Travel Benefits₹7,500 Postcard Hotel stay voucher. EazyPoints redeemable for free luxury hotel stays.
Travel BenefitsUnlimited complimentary domestic lounge access (spend-based); low 2% foreign currency markup.
Movie Benefits10 Reward Points per ₹100 on Entertainment spends.
Movie BenefitsEnjoy Buy One Get One (BOGO) on movie tickets booked through the District App, max discount ₹250/month.
Dining BenefitsComplimentary EazyDiner Prime, 25-50% off at 2000+ restaurants, extra 25% off via EazyDiner App.
Dining BenefitsAccess to 250+ culinary deals at Mastercard’s priceless special.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on ₹500-₹3,000 transactions, capped at ₹250/cycle. GST applicable.
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹400-₹5,000, capped at ₹250 per cycle.

Security & Other

Insurance Benefits'Total Protect' covers fraudulent use up to credit limit for loss/theft/counterfeit fraud.
Insurance BenefitsFree Personal Accidental Death Cover (Air: ₹1 Crore, Non-Air: ₹10 Lakhs).
Cash Advance Charges2.5% of withdrawn amount, minimum ₹300.
Cash Advance Charges2.5% of withdrawn amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

EazyDiner IndusInd Bank Credit Card

BOBCARD ETERNA Credit Card

Who is it for?

The EazyDiner IndusInd Signature Credit Card is a premium dining and lifestyle card designed for frequent diners, travelers, and shoppers. It offers substantial dining discounts, valuable welcome and renewal benefits including a complimentary EazyDiner Prime membership and a Postcard Hotel stay voucher. With accelerated reward points on select spending categories, this card provides significant value, especially for those who regularly use the EazyDiner platform and seek luxury travel experiences.

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.

Pros

Key benefits and features.

Significant dining discounts and benefits, including a complimentary EazyDiner Prime membership.

Valuable welcome and renewal benefits, including a Postcard Hotel stay voucher.

Accelerated reward points on key lifestyle categories like travel, shopping, and entertainment.

Comprehensive fraud protection with the 'Total Protect' program.

Complimentary premium alcoholic beverages at select restaurants.

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.

Cons

Key drawbacks and limitations.

The card comes with relatively high joining and annual fees.

Dining discounts are limited to EazyDiner App payments at select restaurants.

No reward points are earned on dining transactions.

The card does not offer any complimentary lounge access or golf benefits.

Reward points earned with this card have an expiry period of one year.

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.

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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