Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | BOBCARD BOBCARD ETERNA Credit Card | AU Small Finance Bank AU Bank Zenith+ Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | BOBCARD | AU Small Finance Bank |
| Network | Visa | Visa + RuPay |
| Annual fee | ₹2,499 + GST per year | ₹4,999 + GST per year |
| Annual fee waiver | At ₹2,50,000 annual spending | At ₹8,00,000 annual spending |
| Base reward rate | 0.8% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 3.8% · 5X ETERNA rewards | 2% · Travel, dining and international rewards |
| International spending | 3.8% · 5X ETERNA rewards | 2% · Travel, dining and international rewards |
| Online shopping | 3.8% · 5X ETERNA rewards | 1% · Other eligible rewards |
| Travel & hotels | 3.8% · 5X ETERNA rewards | 2% · Travel, dining and international rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | Unlimited domestic airport lounge visits | 16 domestic airport lounge visits per year • 16 international airport lounge visits per year |
| Forex markup | 2% | 1.0% |
| Monthly income requirement | Approx. ₹1,00,000/month salaried · ₹1,00,000/month self-employed | Approx. ₹2,50,000/month salaried · ₹2,50,000/month self-employed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Frequent domestic travellers who want domestic airport lounge access without a premium-tier fee. | High-income frequent travellers who can use both domestic and international airport lounges and clear the annual fee waiver. |
| Main trade-off | The ₹0 joining/first-year fee is a limited-period offer. From year two, the ₹2,499 fee is waived only after ₹2.5 lakh of eligible annual spend. | The ₹4,999 fee needs ₹8 lakh annual spend for waiver, while Taj Epicure needs ₹12 lakh. Rent, education, government, fuel, EMI and cash transactions do not earn points; utility earning has a per-transaction limit. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
