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BOBCARD ETERNA Credit Card vs HDFC Bank Regalia Gold Credit Card

Compare BOBCARD ETERNA Credit Card and HDFC Bank Regalia Gold Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.

Maintained credit-card comparison

BOBCARD ETERNA Credit Card vs HDFC Bank Regalia Gold Credit Card

Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.

Latest underlying reviewSeptember 12, 2026
Bank of Baroda / BOBCARDBOBCARD ETERNA Credit Card

Higher-spend travellers who can use dining/travel accelerators, domestic lounge access and the published 2% forex rate.

Annual fee
₹2,499 from the second year under the current BOBCARD product page.
Reviewed
September 12, 2026
Evidence
2 issuer sources
Open card research
HDFC BankHDFC Bank Regalia Gold Credit Card

Upper-mid-tier travelers who can use lounge access, milestone vouchers and travel-oriented reward redemptions.

Annual fee
₹2,500 + applicable taxes
Reviewed
September 11, 2026
Evidence
3 issuer sources
Open card research
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

bankingreference.info · Comparison research sheet

BOBCARD ETERNA Credit Card vs HDFC Bank Regalia Gold Credit Card

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/bobcard-eterna-credit-card-vs-hdfc-regalia-gold/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.

BOBCARD ETERNA Credit Card

Annual fee
₹2,499 from the second year under the current BOBCARD product page.
Fee waiver
Annual fee of ₹2,499 is waived when eligible spend in the preceding card-anniversary year reaches ₹2.5 lakh, subject to the current BOBCARD conditions.

HDFC Bank Regalia Gold Credit Card

Annual fee
₹2,500 + applicable taxes
Fee waiver
Renewal fee waived at ₹4 lakh spends in the anniversary year
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.

BOBCARD ETERNA Credit Card

Reward rules
15 reward points per ₹100 on eligible dining, travel and international spends; 3 reward points per ₹100 on other eligible categories. Accelerated-category points are capped under the current programme, and 1 reward point can be redeemed for ₹0.25 cashback.

Recorded cautions

  • The lounge benefit is not treated as unconditional merely because the page says unlimited; current eligibility criteria still control access.
  • The ₹0 first-year pricing is a current limited-period offer effective 1 September 2026 and should be rechecked before application.
  • Accelerated rewards have statement-cycle caps and excluded MCCs; fuel and other excluded categories should not be valued at the headline rate.

HDFC Bank Regalia Gold Credit Card

Reward rules
5 Reward Points per ₹200 on eligible spends under the current post-15-May-2026 structure; selected-brand acceleration and milestone vouchers remain subject to current issuer terms.

Recorded cautions

  • Domestic lounge access requires ₹60,000 eligible spend in the preceding calendar quarter after the new-card exemption window.
  • The 2% foreign-currency markup and the separate 1.75% DCC markup are different charging concepts under current HDFC terms.
  • Milestone vouchers only matter if the qualifying spend is natural; reward and partner rules can change.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.

BOBCARD ETERNA Credit Card

Lounge conditions
Unlimited complimentary domestic airport-lounge access is advertised, subject to the current BOBCARD lounge eligibility criteria; verify the controlling spend/eligibility rule before travel.
Forex costs
2% foreign-currency markup on international spends on the reviewed current product page.
Eligibility
Current BOBCARD application guidance is for resident Indian applicants and remains subject to age/income criteria, KYC and issuer approval; the product page should control at application time.

HDFC Bank Regalia Gold Credit Card

Lounge conditions
3 complimentary domestic airport lounge visits per calendar quarter after ₹60,000 eligible spend in the preceding calendar quarter; up to 6 complimentary Priority Pass lounge visits per calendar year outside India.
Forex costs
2% foreign-currency markup
Eligibility
Subject to HDFC Bank approval; reviewed issuer page publishes income and age criteria that can change
Other maintained comparisons for BOBCARD ETERNA Credit CardOther maintained comparisons for HDFC Bank Regalia Gold Credit Card
Shared research themes
Premium Credit CardsTravel Credit CardsAirport Lounge Credit CardsRewards Credit CardsLow Forex Markup Credit Cards
Exact terms

Put the controlling card fields next to each other.

Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.

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Credit-card terms side by side for BOBCARD ETERNA Credit Card and HDFC Bank Regalia Gold Credit Card
Decision factorBOBCARD ETERNA Credit CardHDFC Bank Regalia Gold Credit Card
Joining fee₹0 joining/first-year fee under the current limited-period offer effective 1 September 2026.₹2,500 + applicable taxes
Annual fee₹2,499 from the second year under the current BOBCARD product page.₹2,500 + applicable taxes
Fee waiverAnnual fee of ₹2,499 is waived when eligible spend in the preceding card-anniversary year reaches ₹2.5 lakh, subject to the current BOBCARD conditions.Renewal fee waived at ₹4 lakh spends in the anniversary year
Rewards15 reward points per ₹100 on eligible dining, travel and international spends; 3 reward points per ₹100 on other eligible categories. Accelerated-category points are capped under the current programme, and 1 reward point can be redeemed for ₹0.25 cashback.5 Reward Points per ₹200 on eligible spends under the current post-15-May-2026 structure; selected-brand acceleration and milestone vouchers remain subject to current issuer terms.
LoungeUnlimited complimentary domestic airport-lounge access is advertised, subject to the current BOBCARD lounge eligibility criteria; verify the controlling spend/eligibility rule before travel.3 complimentary domestic airport lounge visits per calendar quarter after ₹60,000 eligible spend in the preceding calendar quarter; up to 6 complimentary Priority Pass lounge visits per calendar year outside India.
Forex markup2% foreign-currency markup on international spends on the reviewed current product page.2% foreign-currency markup
NetworkBOBCARD card-network variant as issued; confirm the network shown at application/issuance.Visa / Mastercard variant
Eligibility / approvalCurrent BOBCARD application guidance is for resident Indian applicants and remains subject to age/income criteria, KYC and issuer approval; the product page should control at application time.Subject to HDFC Bank approval; reviewed issuer page publishes income and age criteria that can change
Wrong-fit risks

Know what can make either card unsuitable.

These cautions remain attached to the underlying card records instead of being converted into a score.

Bank of Baroda / BOBCARD

BOBCARD ETERNA Credit Card

  • The lounge benefit is not treated as unconditional merely because the page says unlimited; current eligibility criteria still control access.
  • The ₹0 first-year pricing is a current limited-period offer effective 1 September 2026 and should be rechecked before application.
  • Accelerated rewards have statement-cycle caps and excluded MCCs; fuel and other excluded categories should not be valued at the headline rate.
HDFC Bank

HDFC Bank Regalia Gold Credit Card

  • Domestic lounge access requires ₹60,000 eligible spend in the preceding calendar quarter after the new-card exemption window.
  • The 2% foreign-currency markup and the separate 1.75% DCC markup are different charging concepts under current HDFC terms.
  • Milestone vouchers only matter if the qualifying spend is natural; reward and partner rules can change.
Decision tools

Model the parts of the comparison that depend on your own usage.

These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.

Independent source state

Verify both cards from their own issuer evidence.

Each side keeps its own review date, source set and evidence state.

Bank of Baroda / BOBCARD

BOBCARD ETERNA Credit Card

2 issuer sources8/8 core fields confirmedReviewed September 12, 2026
Issuer product pageMITC / controlling terms

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
HDFC Bank

HDFC Bank Regalia Gold Credit Card

3 issuer sources8/8 core fields confirmedReviewed September 11, 2026
Issuer product pageFee / charge scheduleIssuer document

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
MethodologyResearch statusMore card comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

BOBCARD ETERNA Credit Card

Reviewed September 12, 2026 · 2 attached first-party sources

  1. Issuer product pagehttps://www.bobcard.co.in/credit-card-types/eterna
  2. MITC / controlling termshttps://www.bobcard.co.in/most-important-terms-and-condition

HDFC Bank Regalia Gold Credit Card

Reviewed September 11, 2026 · 3 attached first-party sources

  1. Issuer product pagehttps://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card
  2. Fee / charge schedulehttps://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card/fees-and-charges
  3. Issuer documenthttps://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Regalia-Gold-Product-feature-change.pdf