BOB Eterna Credit Card vs HDFC IRCTC Credit Card
Detailed side-by-side comparison to help you pick the right card for your needs.
HDFC IRCTC Credit Card wins 3 out of 4 comparison categories.
Bank of Baroda
BOB Eterna Credit Card💰 Earn ₹950 cashback via EarnKaro
Side-by-Side Comparison
BOB Eterna Credit Card
What we love
- Unlimited lounge
- High travel rewards
- Golf access
Keep in mind
- High annual fee
HDFC IRCTC Credit Card
What we love
- IRCTC cashback
- Train lounge access
- Fuel waiver
Keep in mind
- Specific to trains
Frequently Asked Questions
Which is better: BOB Eterna Credit Card or HDFC IRCTC Credit Card?
Based on our analysis, HDFC IRCTC Credit Card is the better choice with advantages in 3 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?
BOB Eterna Credit Card has an annual fee of ₹2,499 (Waived on 4L spend), while HDFC IRCTC Credit Card costs ₹500 (Waived on 1.5L 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.