Home/Compare/IDFC First Mayura Credit Card vs BOB Eterna Credit Card

IDFC First Mayura Credit Card vs BOB Eterna Credit Card

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

Our Recommendation

BOB Eterna Credit Card wins 1 out of 4 comparison categories.

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⭐ Recommended

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Side-by-Side Comparison

Annual Fee
₹2,999
₹2,499 Winner
Joining Fee
₹2,999
₹2,499 Winner
Fee Waiver
Waived on 5L spend
Waived on 4L spend
Cashback Rate
Reward Rate
10X points on International, 5X on Travel/Dining
15 rewards on International/Travel
Lounge Access
4 domestic + 2 international per quarter
Unlimited domestic lounge
Welcome Bonus
5000 bonus points
10,000 bonus points
Min. Income
₹1,00,000/mo
₹1,00,000/mo
Credit Score
750+
750+
Best For
Premium travelers
Luxury travelers

IDFC First Mayura Credit Card

What we love

  • Best lounge access
  • High international rewards
  • Golf privileges

Keep in mind

  • High fee
  • High income requirement

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: IDFC First Mayura Credit Card or BOB Eterna Credit Card?

Based on our analysis, BOB Eterna Credit Card is the better choice with advantages in 1 out of 4 comparison categories including fees and rewards. However, IDFC First Mayura Credit Card may be better if your spending aligns with its specific benefits like premium travelers.

What is the annual fee difference?

IDFC First Mayura Credit Card has an annual fee of ₹2,999 (Waived on 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.