BoB Eterna vs Kotak Royale Signature
Side-by-side credit card comparison to help you choose the best one.
Our Pick
BoB Eterna
4.3
Why this card wins: Travel & Dining — 6 reward points per ₹100 on all spends
| Feature | BoB Eterna | Kotak Royale Signature |
|---|---|---|
| Bank | Bank of Baroda | Kotak Mahindra |
| Card Type | Premium | Premium |
| Annual Fee | ₹2,499 + GST | ₹999 + GST |
| Joining Fee | ₹2,499 + GST | ₹999 + GST |
| Rewards | 6 reward points per ₹100 on all spends | 4 reward points per ₹150 on all spends |
| Best For | Travel & Dining | Travel & Entertainment |
| 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 | ₹1,00,000 - ₹5,00,000 |
| Welcome Benefit | 2000 bonus reward points | 500 reward points on activation |
| Min Income | ₹40,000/month | ₹25,000/month |
| Lounge Access | 8 domestic + 4 international per year | 8 domestic + 2 international 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 | 4.3 |
| Contactless | ||
| EMI Conversion |
Key Features
Our Pick
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
Kotak Royale Signature
Travel & Entertainment
Visa Signature • Premium
- 8 complimentary domestic lounge visits per year
- 2 complimentary international lounge visits
- 1% fuel surcharge waiver
- Milestone benefits on annual spending
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.