BoB Eterna vs HDFC Millennia
Side-by-side credit card comparison to help you choose the best one.
HDFC Millennia
Why this card wins: Online Shopping — 5% Cashback on Amazon, Flipkart, Swiggy
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | HDFC Bank |
| Card Type | Premium | Cashback |
| Annual Fee | ₹2,499 + GST | ₹1,000 + GST |
| Joining Fee | ₹2,499 + GST | ₹1,000 + GST |
| Rewards | 6 reward points per ₹100 on all spends | 5% Cashback on Amazon, Flipkart, Swiggy |
| Best For | Travel & Dining | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹1,50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 2000 bonus reward points | 1000 Cash Points on first txn |
| Min Income | ₹40,000/month | ₹25,000/month |
| Lounge Access | 8 domestic + 4 international per year | 8 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.3 | 4.6 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Eterna
Travel & Dining
Visa • Premium
- Complimentary Dreamfolks lounge access
- Golf privileges at select courses
- 1% fuel surcharge waiver
- Milestone bonus rewards on annual spend
HDFC Millennia
Online Shopping
Mastercard • Cashback
- 1% cashback on all offline spends
- 8 complimentary domestic lounge visits per year
- Welcome benefit of 1000 Cash Points
- Quarterly milestone rewards of ₹1000
Verdict
Based on rating and overall value, HDFC Millennia ranks highest among your selected cards. It excels at Online Shopping and offers 5% Cashback on Amazon, Flipkart, Swiggy.
Frequently asked questions
Which is better: BoB Eterna or HDFC Millennia?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. BoB Eterna is the better fit if your priority is travel & dining. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Eterna and HDFC Millennia?
HDFC Millennia is cheaper to hold at ₹1,000 + GST, compared with ₹2,499 + GST for BoB Eterna.
Do BoB Eterna and HDFC Millennia offer airport lounge access?
BoB Eterna: 8 domestic + 4 international per year. HDFC Millennia: 8 domestic per year.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
Related Articles
Top 10 High-Reward Credit Cards for Online Shopping in India (2026)
Maximize your savings with the best e-commerce credit cards. We compare Amazon Pay ICICI, HDFC Millennia, and more.
HDFC vs ICICI Credit Cards: Which Bank Offers More Value?
An in-depth battle of the banking giants. We compare reward points, lounge access, and fee structures of India's top issuers.
How to Get a Credit Card Without Income Proof or Salary Slip
Get a credit card even without salary proof. Explore FD-backed secured cards, prepaid cards, and add-on card options.
Best First Credit Card for Beginners with No Credit History
Starting your credit journey? Compare the best entry-level cards from HDFC, ICICI, SBI, and Axis for first-time users.