Skip to main content

Zomato Edition Classic 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.
Verified
Last updated: 18 July 2026

Both Zomato Edition Classic Credit Card and BOBCARD ETERNA Credit Card suit dining-focused spenders, but they earn and cost differently. Zomato Edition Classic Credit Card costs ₹500 + GST and earns 5 Edition Cash for every ₹100 on Zomato/Blinkit; 1 Edition Cash for every ₹100 on other spends. 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). Zomato Edition Classic Credit Card also brings 500 Edition Cash & complimentary annual Zomato Pro membership upon joining, 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 Zomato Edition Classic Credit Card; if travel is the priority, BOBCARD ETERNA Credit Card fits better.

Zomato Edition Classic Credit Card
Zomato Edition Classic 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 Waiver
Spend Based WaiverJoining fee waiver on ₹25,000 spend in 60 days; annual fee waiver on ₹2,50,000 annual spend.
Foreign Transaction FeesUp to 3.5% (plus applicable taxes)
Foreign Transaction Fees2% of the transacted amount.
Interest Rate (APR)3.99% per month (equivalent to 47.88% annually)
Interest Rate (APR)3.75% Per Month or 45% Per Annum.

Rewards & Benefits

Welcome Bonus500 Edition Cash & complimentary annual Zomato Pro membership.
Welcome BonusEarn 10,000 bonus reward points on spending ₹50,000 within the first 60 days of card issuance.
Rewards RateEarn 5 Edition Cash per Rs. 100 on Zomato/Blinkit (capped daily); 1 Edition Cash per Rs. 100 on others.
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
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 BenefitsComplimentary Zomato Pro membership & accelerated rewards on Zomato/Blinkit.
Dining BenefitsAccess to 250+ culinary deals at Mastercard’s priceless special.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waived for transactions between Rs. 500 and Rs. 4,000.
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 withdrawn amount, with a minimum charge of Rs. 500.
Cash Advance Charges2.5% of withdrawn amount or ₹500, whichever is higher.
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Zomato Edition Classic Credit Card

BOBCARD ETERNA Credit Card

Who is it for?

The Zomato Edition Classic Credit Card, issued by RBL Bank, was designed for Zomato users and food enthusiasts, offering exclusive dining benefits. It provided a complimentary annual Zomato Pro membership and accelerated Edition Cash on Zomato and Blinkit purchases. While it offered value for dedicated foodies, the card has recently undergone significant devaluations and is now discontinued, limiting its appeal and availability.

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.

Offers significant value for frequent Zomato users with dining-focused benefits.

Includes a complimentary annual Zomato Pro membership, enhancing food ordering experience.

Accelerated rewards of 5 Edition Cash per Rs. 100 on Zomato and Blinkit spends.

Edition Cash is flexible, redeemable for Zomato purchases or against statement balance.

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 has been discontinued, limiting new applications and future benefits.

Significant devaluation of benefits, including removal of 5% cashback at dining outlets.

Lacks benefits in other popular categories like travel, movies, and lounge access.

A cap of 1% on all other transactions limits overall reward earning potential.

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.
Apply for BOBCARD ETERNA Credit Card(opens in new tab)