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AU Zenith Credit Card vs Bank of Baroda Eterna Credit Card
On net annual value, Bank of Baroda Eterna beats AU Zenith in all four spend profiles we model, from ₹3,577 a year for high spenders to ₹11,964 for everyday spenders. Bank of Baroda Eterna costs ₹2,499 a year against ₹7,999, offers spend-linked unlimited domestic lounge access and charges 2% on foreign-currency spend against 3.49%. Figures as of .
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Who comes out ahead — by how you spend
Estimated net annual value for four typical spend profiles: the rewards each card earns on that spend (a merchant or portal bonus only on the share of spend it plausibly reaches), plus the perks and milestone bonuses that spender would use, less any annual fee the spend does not waive (with GST) and the forex markup on spending abroad. Lounge access carries no rupee value here.
| Spender | AU Zenith Credit Card | Bank of Baroda Eterna Credit Card |
|---|---|---|
Everyday spender ≈ ₹40k/mo across groceries, bills, dining and fuel | −₹954/yr | ₹11,010/yr✓ +₹11,964/yr |
Online shopper ≈ ₹60k/mo, mostly e-commerce and subscriptions | ₹10,285/yr | ₹18,969/yr✓ +₹8,684/yr |
Frequent traveller ≈ ₹1.2L/mo with heavy travel and forex spend | ₹8,959/yr | ₹17,990/yr✓ +₹9,031/yr |
High spender ≈ ₹2.5L/mo across every category | ₹14,653/yr | ₹18,230/yr✓ +₹3,577/yr |
Not in these numbers: both include airport lounge access — real perks that can outweigh a small gap.
Illustrative profiles, not a personalised result — your categories decide the real winner. Run these two on my spending →
What your points are actually worth
A point's headline value means little without the earn rate behind it. Here's the real math — the value of a point by how you redeem it, the resulting return by category, and the net rupees for your own spend.
| Value of one point, by route | AU Zenith Credit CardAU Reward Points | Bank of Baroda Eterna Credit CardBOB Reward Points |
|---|---|---|
| Cash / statement credit | ₹0.25BEST | ₹0.25BEST |
| Gift vouchers | ₹0.25BEST | ₹0.25BEST |
Return by categoryearn rate × point value
Headline reward rate per category, before monthly caps.
Your spend, head to head
Enter your monthly spend — net value is the annual rewards after the card fee, at each card's best realistic redemption (our recommender's model, caps and fee-waivers included).
Total ₹60,000/mo · ₹7,20,000/yr
Want the money-first pick across your whole wallet? Run the recommender →
| AU Zenith Credit Card | Bank of Baroda Eterna Credit Card | |
|---|---|---|
| Fees | ||
| Joining fee | ₹7,999 | ₹2,499 |
| Annual fee | ₹7,999/yr | ₹2,499/yr ✓ |
| Annual fee — all-in (incl. 18% GST) | ₹9,439 | ₹2,949 ✓ |
| Fee waiver at | ₹5,00,000/yr spend | ₹2,50,000/yr spend |
| Welcome benefit | — | ~₹2,500 |
| Rewards | ||
| Best everyday reward | 1.25% on Dining | 3.75% on Travel ✓ |
| Dining | 1.25% | 3.75% ✓ |
| Groceries | 1.25% ✓ | 0.75% |
| Insurance | 0.25% | 0.75% ✓ |
| International | 1.25% | 3.75% ✓ |
| Online Shopping | 0.75% | 3.75% ✓ |
| Base rate — other spends | 0.75% | 0.75% |
| Travel | 0.75% | 3.75% ✓ |
| Utility Bills | 0.25% | 0.75% ✓ |
| Charges | ||
| Forex markup | 3.49% | 2% ✓ |
| Finance charge | 3.75% p.m. | 3.75% p.m. |
| Cash advance | — | — |
| Add-on card | — | — |
| Perks | ||
| concierge | ~₹3,000/yr · 24x7 concierge and lifestyle services | — |
| fuel waiver | ~₹1,200/yr · 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹100 per statement cycle since 1 October 2026 (₹1,000 before) | ~₹1,500/yr · 1% fuel surcharge waiver on transactions of ₹400–₹5,000 (max ₹250 per statement cycle) |
| lounge access | ~₹12,000/yr · 2 domestic lounge visits per quarter using the AU card itself (require ₹50,000 retail spend in the preceding quarter) plus 2 international visits per quarter via Priority Pass — 8 + 8 a year | ~₹12,000/yr · Unlimited domestic airport lounge access, unlocked by ₹75,000 of spend in the previous quarter — raised from ₹40,000 on 15 July 2026 |
| milestone bonus | ~₹3,000/yr · 1,000 reward points on spending ₹50,000+ in a statement cycle, awarded once per cycle (annual equivalent modelled; the Taj Epicure and quarterly-voucher milestones were withdrawn on 1 Jan 2026) | ~₹5,000/yr · 20,000 bonus reward points (~₹5,000) on ₹5 lakh of annual spend |
| movie ticket | — | ~₹1,500/yr · Buy-one-get-one-free movie ticket on the District app, up to ₹250 a month |
| Eligibility | ||
| Min income | — | ₹1,00,000/mo |
| Min age | 21+ yrs | 25+ yrs |
| UPI linked | — | — |
| Expert rating | 4.5 / 5 ✓ | 3.8 / 5 |
Reward rates above are the realistic value you keep — points earned × what a point is worth at each card's own best redemption, before monthly caps — so cards with different point values compare fairly. Bank-portal accelerators (earned only by booking through the issuer's own portal, on a slice of spend) are bounded upside, listed separately here rather than blended into the everyday rates.
Which should you pick?
Choose the AU Zenith Credit Card if you want strong rewards on dining. Consider the Bank of Baroda Eterna Credit Card if you spend more on travel and prefer a lower fee. Your actual best card depends on how you spend — run your numbers below.
AU Zenith Credit Card vs Bank of Baroda Eterna Credit Card — FAQs
Which has a lower annual fee, AU Zenith Credit Card or Bank of Baroda Eterna Credit Card?
As of 11 Oct 2026, Bank of Baroda Eterna has the lower annual fee: ₹2,499 (₹2,949 with 18% GST), against ₹7,999 (₹9,439 with 18% GST) on AU Zenith. AU Zenith waives it after ₹5,00,000 of spend in a card year, Bank of Baroda Eterna after ₹2,50,000.
Do AU Zenith Credit Card and Bank of Baroda Eterna Credit Card offer airport lounge access?
As of 11 Oct 2026, AU Zenith and Bank of Baroda Eterna both include airport lounge access, on different terms. AU Zenith lists 8 domestic visits a year (2 a quarter) and 8 international visits a year (2 a quarter) at airport lounges, with the domestic visits unlocked by ₹50,000 of spend in the previous quarter. Bank of Baroda Eterna lists unlimited domestic access at airport lounges, unlocked by ₹75,000 of spend in the previous quarter.
Which card has lower forex markup, AU Zenith Credit Card or Bank of Baroda Eterna Credit Card?
As of 11 Oct 2026, Bank of Baroda Eterna has the lower forex markup: 2%, against 3.49% on AU Zenith. With 18% GST on the markup, ₹1,00,000 spent abroad costs about ₹2,360 extra on Bank of Baroda Eterna and ₹4,118 on AU Zenith, a ₹1,758 difference.
For a frequent traveller, is the AU Zenith Credit Card or Bank of Baroda Eterna Credit Card better value?
On figures as of 11 Oct 2026, Bank of Baroda Eterna comes out ahead for a frequent traveller (about ₹1.2 lakh a month with heavy travel and forex spend), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹17,990 against ₹8,959 on AU Zenith, a ₹9,031 gap. That figure includes the forex markup on this traveller's spend abroad, where Bank of Baroda Eterna charges 2% against 3.49% on AU Zenith.
For everyday spending, which returns more: AU Zenith Credit Card or Bank of Baroda Eterna Credit Card?
On figures as of 11 Oct 2026, Bank of Baroda Eterna comes out ahead for an everyday spender (about ₹40,000 a month across groceries, bills, dining and fuel), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹11,010 against −₹954 on AU Zenith, a ₹11,964 gap. At this spend Bank of Baroda Eterna waives its ₹2,499 annual fee.
Which is better, AU Zenith Credit Card or Bank of Baroda Eterna Credit Card?
As of 11 Oct 2026, AU Zenith earns 1.25% on dining at best, paid as AU Reward Points, and Bank of Baroda Eterna earns 3.75% on travel at best, paid as BOB Reward Points. Bank of Baroda Eterna comes out ahead on net annual value in all four spend profiles we model.