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EazyDiner IndusInd Platinum 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 Platinum Credit Card and BOBCARD ETERNA Credit Card suit dining-focused spenders, but they earn and cost differently. EazyDiner IndusInd Platinum Credit Card is lifetime-free and earns 2 Reward Points per INR 100 on most spends, 0.7 on select categories, plus 2X EazyPoints. 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 Platinum Credit Card also brings total Protect program covering unauthorized transactions in case of 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 Platinum Credit Card; if travel is the priority, BOBCARD ETERNA Credit Card fits better.

EazyDiner IndusInd Platinum Credit Card
EazyDiner IndusInd Platinum Credit Card
BOBCARD ETERNA Credit Card
BOBCARD ETERNA Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹2,499 + GST
Renewal FeeLifetime Free
Renewal Fee₹2,499 + GST
Spend Based WaiverNot applicable as the card is lifetime free.
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% of the Transaction Amount
Foreign Transaction Fees2% of the transacted amount.
Interest Rate (APR)3.83% Monthly and 46% Annually
Interest Rate (APR)3.75% Per Month or 45% Per Annum.

Rewards & Benefits

Welcome BonusEnjoy a 3-month EazyDiner Prime membership (INR 1,095 value) and receive 500 welcome bonus EazyPoints.
Welcome BonusEarn 10,000 bonus reward points on spending ₹50,000 within the first 60 days of card issuance.
Rewards RateEarn 2 Reward Points on every INR 100 spent (excl. fuel, insurance, rent, utility, govt. payments).
Rewards RateEarn 15 Reward Points for every ₹100 on online, travel, dining, movie, international spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs. 100
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
Travel BenefitsUnlimited complimentary domestic lounge access (spend-based); low 2% foreign currency markup.
Movie Benefits
Movie BenefitsEnjoy Buy One Get One (BOGO) on movie tickets booked through the District App, max discount ₹250/month.
Dining BenefitsGuaranteed 25% discount on dining bills + additional instant 20% off via EazyDiner app (up to INR 500).
Dining BenefitsAccess to 250+ culinary deals at Mastercard’s priceless special.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% Fuel Surcharge Waiver across all fuel stations in India.
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹400-₹5,000, capped at ₹250 per cycle.

Security & Other

Insurance BenefitsTotal Protect program covers fraudulent use, loss/theft, and counterfeit fraud up to credit limit.
Insurance BenefitsFree Personal Accidental Death Cover (Air: ₹1 Crore, Non-Air: ₹10 Lakhs).
Cash Advance Charges2.5% of the Amount or a Minimum of Rs. 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 Platinum Credit Card

BOBCARD ETERNA Credit Card

Who is it for?

The EazyDiner IndusInd Platinum Credit Card is an entry-level, lifetime-free credit card designed for frequent diners. It offers significant savings with a guaranteed 25% discount on dining and an additional 20% off via the EazyDiner app. As a co-branded card with EazyDiner, it provides enhanced dining experiences without any joining or renewal charges, making it ideal for those prioritizing dining savings.

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.

Lifetime free status means no joining or annual fees, making it highly economical.

Guaranteed 25% dining discount plus an extra 20% off via EazyDiner app.

Welcome benefits include a 3-month EazyDiner Prime membership and 500 EazyPoints.

Milestone benefits offer Prime renewal and bonus Reward Points on quarterly spends.

"Total Protect" program provides comprehensive insurance cover against card fraud.

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.

Limited versatility as benefits are primarily focused on dining, lacking travel perks.

Reward points are not earned on fuel, insurance, rent, utility, and government payments.

Extra 20% dining discount is capped at 3 usages per month and has specific conditions.

Rewards redemption fee of Rs. 100 applies, reducing the overall value of points.

High foreign currency markup of 3.5% makes international spends expensive.

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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