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Bank of Baroda Eterna Credit Card vs SBI Card ELITE
On net annual value, Bank of Baroda Eterna comes out ahead for everyday spenders and online shoppers (by up to ₹9,905 a year), and SBI Card ELITE for frequent travellers and high spenders (by up to ₹13,308 a year). Bank of Baroda Eterna costs ₹2,499 a year against ₹4,999 and offers spend-linked unlimited domestic lounge access. 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 | Bank of Baroda Eterna Credit Card | SBI Card ELITE |
|---|---|---|
Everyday spender ≈ ₹40k/mo across groceries, bills, dining and fuel | ₹11,010/yr✓ +₹7,248/yr | ₹3,762/yr |
Online shopper ≈ ₹60k/mo, mostly e-commerce and subscriptions | ₹18,969/yr✓ +₹9,905/yr | ₹9,064/yr |
Frequent traveller ≈ ₹1.2L/mo with heavy travel and forex spend | ₹17,990/yr | ₹21,536/yr✓ +₹3,546/yr |
High spender ≈ ₹2.5L/mo across every category | ₹18,230/yr | ₹31,538/yr✓ +₹13,308/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 | Bank of Baroda Eterna Credit CardBOB Reward Points | SBI Card ELITESBI 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 →
| Bank of Baroda Eterna Credit Card | SBI Card ELITE | |
|---|---|---|
| Fees | ||
| Joining fee | ₹2,499 | ₹4,999 |
| Annual fee | ₹2,499/yr ✓ | ₹4,999/yr |
| Annual fee — all-in (incl. 18% GST) | ₹2,949 ✓ | ₹5,899 |
| Fee waiver at | ₹2,50,000/yr spend | ₹10,00,000/yr spend |
| Welcome benefit | ~₹2,500 | ~₹5,000 |
| Rewards | ||
| Best everyday reward | 3.75% on Travel ✓ | 2.5% on Dining |
| Dining | 3.75% ✓ | 2.5% |
| Groceries | 0.75% ✓ | 0.5% |
| International | 3.75% ✓ | 0.5% |
| Online Shopping | 3.75% ✓ | 0.5% |
| Base rate — other spends | 0.75% ✓ | 0.5% |
| Travel | 3.75% ✓ | 0.5% |
| Charges | ||
| Forex markup | 2% | 1.99% ✓ |
| Finance charge | 3.75% p.m. | 3.75% p.m. |
| Cash advance | — | — |
| Add-on card | — | — |
| Perks | ||
| concierge | — | ✓ · Concierge service for flower and gift delivery and online doctor consultation |
| fuel waiver | ~₹1,500/yr · 1% fuel surcharge waiver on transactions of ₹400–₹5,000 (max ₹250 per statement cycle) | ~₹3,000/yr · 1% fuel surcharge waiver on transactions of ₹500–₹4,000, capped at ₹250 per statement cycle |
| hotel membership | — | ~₹3,000/yr · Complimentary 1-year Club ITC Silver Tier membership, granted after your first transaction within 60 days of card issuance |
| insurance | — | ~₹500/yr · Credit card fraud liability cover of ₹1 lakh |
| lounge access | ~₹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 | ~₹10,000/yr · 8 domestic visits a year (2 a quarter) + 6 international Priority Pass visits a year (2 a quarter), with a complimentary Priority Pass membership |
| milestone bonus | ~₹5,000/yr · 20,000 bonus reward points (~₹5,000) on ₹5 lakh of annual spend | ~₹2,500/yr · 10,000 bonus reward points at ₹3 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 | ~₹6,000/yr · ₹500 off per BookMyShow booking, up to ₹6,000 a year — primary cardholder only |
| Eligibility | ||
| Min income | ₹1,00,000/mo | — |
| Min age | 25+ yrs | — |
| UPI linked | — | — |
| Expert rating | 3.8 / 5 | 4.1 / 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 Bank of Baroda Eterna Credit Card if you want strong rewards on travel at a lower annual fee. Consider the SBI Card ELITE if you spend more on dining. Your actual best card depends on how you spend — run your numbers below.
Bank of Baroda Eterna Credit Card vs SBI Card ELITE — FAQs
Which has a lower annual fee, Bank of Baroda Eterna Credit Card or SBI Card ELITE?
As of 11 Oct 2026, Bank of Baroda Eterna has the lower annual fee: ₹2,499 (₹2,949 with 18% GST), against ₹4,999 (₹5,899 with 18% GST) on SBI Card ELITE. Bank of Baroda Eterna waives it after ₹2,50,000 of spend in a card year, SBI Card ELITE after ₹10,00,000.
Do Bank of Baroda Eterna Credit Card and SBI Card ELITE offer airport lounge access?
As of 11 Oct 2026, Bank of Baroda Eterna and SBI Card ELITE both include airport lounge access, on different terms. Bank of Baroda Eterna lists unlimited domestic access at airport lounges, unlocked by ₹75,000 of spend in the previous quarter. SBI Card ELITE lists 8 domestic visits a year (2 a quarter) and 6 international visits a year (up to 2 a quarter) at airport lounges.
Which card has lower forex markup, Bank of Baroda Eterna Credit Card or SBI Card ELITE?
As of 11 Oct 2026, SBI Card ELITE has the lower forex markup: 1.99%, against 2% on Bank of Baroda Eterna. With 18% GST on the markup, ₹1,00,000 spent abroad costs about ₹2,348 extra on SBI Card ELITE and ₹2,360 on Bank of Baroda Eterna, a ₹12 difference.
For a frequent traveller, is the Bank of Baroda Eterna Credit Card or SBI Card ELITE better value?
On figures as of 11 Oct 2026, SBI Card ELITE 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 ₹21,536 against ₹17,990 on Bank of Baroda Eterna, a ₹3,546 gap. At this spend Bank of Baroda Eterna and SBI Card ELITE both waive their annual fees.
For everyday spending, which returns more: Bank of Baroda Eterna Credit Card or SBI Card ELITE?
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 ₹3,762 on SBI Card ELITE, a ₹7,248 gap. At this spend Bank of Baroda Eterna waives its ₹2,499 annual fee.
Which is better, Bank of Baroda Eterna Credit Card or SBI Card ELITE?
As of 11 Oct 2026, Bank of Baroda Eterna earns 3.75% on travel at best, paid as BOB Reward Points, and SBI Card ELITE earns 2.5% on dining at best, paid as SBI Reward Points. Bank of Baroda Eterna comes out ahead on net annual value for everyday spenders and online shoppers, and SBI Card ELITE for frequent travellers and high spenders. Bank of Baroda Eterna costs ₹2,499 a year against ₹4,999 and offers spend-linked unlimited domestic lounge access.