HDFC IRCTC Credit Card vs BOB Eterna 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
HDFC IRCTC Credit Card
What we love
- IRCTC cashback
- Train lounge access
- Fuel waiver
Keep in mind
- Specific to trains
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: HDFC IRCTC Credit Card or BOB Eterna 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?
HDFC IRCTC Credit Card has an annual fee of ₹500 (Waived on 1.5L spend), 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.