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Swiggy HDFC 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 Swiggy HDFC Bank Credit Card and BOBCARD ETERNA Credit Card suit dining-focused spenders, but they earn and cost differently. Swiggy HDFC Bank Credit Card costs ₹500 + GST and earns 10% on Swiggy, 5% on online spends, and 1% on other categories. 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). Swiggy HDFC Bank Credit Card also brings benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions, 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 Swiggy HDFC Bank Credit Card; if travel is the priority, BOBCARD ETERNA Credit Card fits better.

Swiggy HDFC Bank Credit Card
Swiggy HDFC Bank Credit Card
BOBCARD ETERNA Credit Card
BOBCARD ETERNA Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹2,499 + GST
Renewal Fee₹500 + GST
Renewal Fee₹2,499 + GST
Spend Based WaiverAnnual charges are waived on spending ₹2 Lakh or more in the preceding year.
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% + GST
Foreign Transaction Fees2% of the transacted amount.
Interest Rate (APR)3.75% Per Month or 45% Per Annum
Interest Rate (APR)3.75% Per Month or 45% Per Annum.

Rewards & Benefits

Welcome BonusComplimentary 3-month Swiggy One Membership upon card activation.
Welcome BonusEarn 10,000 bonus reward points on spending ₹50,000 within the first 60 days of card issuance.
Rewards RateEarn 10% cashback on Swiggy, 5% on top online brands, and 1% on other eligible spends.
Rewards RateEarn 15 Reward Points for every ₹100 on online, travel, dining, movie, international spends.
Reward TypeCashback, Air Miles
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 BenefitsMastercard World Tier benefits including up to 12% off on Agoda bookings and complimentary stays.
Travel BenefitsUnlimited complimentary domestic lounge access (spend-based); low 2% foreign currency markup.
Movie Benefits5% cashback on BookMyShow spends.
Movie BenefitsEnjoy Buy One Get One (BOGO) on movie tickets booked through the District App, max discount ₹250/month.
Dining Benefits10% cashback across the Swiggy application, including food orders, Instamart, Dineout.
Dining BenefitsAccess to 250+ culinary deals at Mastercard’s priceless special.
Golf BenefitsFour complimentary rounds of green fees and twelve complimentary golf lessons annually.
Golf Benefits
Fuel Surcharge WaiverNot applicable
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹400-₹5,000, capped at ₹250 per cycle.

Security & Other

Insurance Benefits
Insurance BenefitsFree Personal Accidental Death Cover (Air: ₹1 Crore, Non-Air: ₹10 Lakhs).
Cash Advance Charges2.5% of the advanced amount or ₹500, whichever is higher.
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.

Swiggy HDFC Bank Credit Card

BOBCARD ETERNA Credit Card

Who is it for?

The Swiggy HDFC Bank Credit Card is a popular co-branded cashback credit card, ideal for frequent Swiggy users and online shoppers. It offers a generous 10% cashback on all Swiggy app spends and 5% cashback on purchases across various top online brands. Cardholders also receive a complimentary 3-month Swiggy One membership as a welcome benefit. With an easily waivable annual fee, this card provides substantial savings on dining and online expenses, making it a strong contender in the cashback market.

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.

Generous 10% cashback on all Swiggy app spends, ideal for frequent users.

Significant 5% cashback on online purchases from a wide range of popular brands.

Complimentary 3-month Swiggy One membership adds substantial value as a welcome benefit.

Annual fee of ₹500 + GST is easily waived by spending ₹2 Lakh in a year.

Mastercard World Tier benefits offer golf privileges and travel discounts.

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.

Lacks complimentary airport lounge access, which is a common perk on similar cards.

Cashback benefits are capped at ₹1,500 per billing cycle for key spending categories.

Fuel surcharge waiver is not applicable, increasing costs for fuel transactions.

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

Cashback is not applicable on utility bill payments, rent, or wallet transactions.

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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