BoB Eterna vs ICICI Coral
Side-by-side credit card comparison to help you choose the best one.
BoB Eterna
Why this card wins: Travel & Dining — 6 reward points per ₹100 on all spends
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | ICICI Bank |
| Card Type | Premium | Entry Level |
| Annual Fee | ₹2,499 + GST | ₹500 + GST |
| Joining Fee | ₹2,499 + GST | ₹500 + GST |
| Rewards | 6 reward points per ₹100 on all spends | 2 points per ₹100 on all spends |
| Best For | Travel & Dining | First Time Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹1,50,000 - ₹5,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | 2000 bonus reward points | None |
| Min Income | ₹40,000/month | ₹20,000/month |
| Lounge Access | 8 domestic + 4 international per year | 4 domestic per year (1/quarter) |
| 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 | 4.1 |
| 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
ICICI Coral
First Time Users
Visa • Entry Level
- 15% savings on dining bills
- 1 complimentary domestic lounge visit per quarter
- Complimentary railway lounge access
- Milestone reward points system
Verdict
Based on rating and overall value, BoB Eterna ranks highest among your selected cards. It excels at Travel & Dining and offers 6 reward points per ₹100 on all spends.
Frequently asked questions
Which is better: BoB Eterna or ICICI Coral?
BoB Eterna has the higher CardKhoj rating (4.3/5) and is best for travel & dining. ICICI Coral is the better fit if your priority is first time users. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Eterna and ICICI Coral?
ICICI Coral is cheaper to hold at ₹500 + GST, compared with ₹2,499 + GST for BoB Eterna.
Do BoB Eterna and ICICI Coral offer airport lounge access?
BoB Eterna: 8 domestic + 4 international per year. ICICI Coral: 4 domestic per year (1/quarter).
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.