Home/Compare/AU LIT Credit Card vs BOB Eterna Credit Card

AU LIT Credit Card vs BOB Eterna Credit Card

Detailed side-by-side comparison to help you pick the right card for your needs.

Our Recommendation

AU LIT Credit Card wins 4 out of 4 comparison categories.

⭐ Recommended

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Side-by-Side Comparison

Annual Fee
Lifetime Free Winner
₹2,499
Joining Fee
Free Winner
₹2,499
Fee Waiver
Waived on 4L spend
Cashback Rate
Up to 2% Winner
Reward Rate
Choose your rewards quarterly
15 rewards on International/Travel
Lounge Access
No
Unlimited domestic lounge
Welcome Bonus
Choice of benefit
10,000 bonus points
Min. Income
₹15,000/mo Winner
₹1,00,000/mo
Credit Score
650+ Winner
750+
Best For
Flexible users
Luxury travelers

AU LIT Credit Card

What we love

  • Lifetime Free
  • Flexible rewards
  • Customizable

Keep in mind

  • Must track benefits

BOB Eterna Credit Card

What we love

  • Unlimited lounge
  • High travel rewards
  • Golf access

Keep in mind

  • High annual fee

Frequently Asked Questions

Which is better: AU LIT Credit Card or BOB Eterna Credit Card?

Based on our analysis, AU LIT Credit Card is the better choice with advantages in 4 out of 4 comparison categories including fees and rewards. However, BOB Eterna Credit Card may be better if your spending aligns with its specific benefits like luxury travelers.

What is the annual fee difference?

AU LIT Credit Card has an annual fee of zero (Lifetime Free), while BOB Eterna Credit Card costs ₹2,499 (Waived on 4L spend) per year.

Can I apply for both cards?

Yes! There's no restriction on holding multiple credit cards from different banks. Many savvy users hold both types to maximize rewards across different spending categories.