BoB Eterna vs SBI ELITE
Side-by-side credit card comparison to help you choose the best one.
SBI ELITE
Why this card wins: Premium Lifestyle — 2X reward points on dining, movies & grocery
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | SBI |
| Card Type | Premium | Super Premium |
| Annual Fee | ₹2,499 + GST | ₹4,999 + GST |
| Joining Fee | ₹2,499 + GST | ₹4,999 + GST |
| Rewards | 6 reward points per ₹100 on all spends | 2X reward points on dining, movies & grocery |
| Best For | Travel & Dining | Premium Lifestyle |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹1,50,000 - ₹5,00,000 | ₹3,00,000 - ₹15,00,000 |
| Welcome Benefit | 2000 bonus reward points | 5000 bonus reward points |
| Min Income | ₹40,000/month | ₹60,000/month |
| Lounge Access | 8 domestic + 4 international per year | Unlimited domestic + 6 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 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
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
Verdict
Based on rating and overall value, SBI ELITE ranks highest among your selected cards. It excels at Premium Lifestyle and offers 2X reward points on dining, movies & grocery.
Frequently asked questions
Which is better: BoB Eterna or SBI ELITE?
SBI ELITE has the higher CardKhoj rating (4.6/5) and is best for premium lifestyle. 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 SBI ELITE?
BoB Eterna is cheaper to hold at ₹2,499 + GST, compared with ₹4,999 + GST for SBI ELITE.
Do BoB Eterna and SBI ELITE offer airport lounge access?
BoB Eterna: 8 domestic + 4 international per year. SBI ELITE: unlimited domestic + 6 international 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.