Axis Bank Select vs Bank of Baroda (BOBCARD) Eterna
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
Axis Bank Select and Bank of Baroda (BOBCARD) Eterna differ first on recurring cost: Axis Bank Select has an annual fee of ₹3,000 + GST against ₹2,499 + GST for Bank of Baroda (BOBCARD) Eterna, so Bank of Baroda (BOBCARD) Eterna is cheaper to hold. On rewards, Axis Bank Select earns 10 EDGE Reward Points per ₹200 on eligible spend while Bank of Baroda (BOBCARD) Eterna earns 3 RP/₹100 (worth ₹0.75 as cashback). Bank of Baroda (BOBCARD) Eterna has the lower forex markup at 2%. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
| Feature | Axis Bank Select | Bank of Baroda (BOBCARD) Eterna |
|---|---|---|
| Issuer | Axis Bank | Bank of Baroda (BOBCARD) |
| Joining fee | ₹3,000 + GST | ₹2,499 + GST |
| Annual fee | ₹3,000 + GST | ₹2,499 + GST |
| Fee waiver | ₹8,00,000 annual eligible spend | ₹2,50,000 annual eligible spend |
| Base rewards | 10 EDGE Reward Points per ₹200 on eligible spend | 3 RP/₹100 (worth ₹0.75 as cashback) |
| Accelerated routes | retail shopping (first ₹20,000/mo) | 15 RP/₹100 (worth 3.75% as cashback) |
| Reward exclusions | fuel, rent, wallet load, insurance, utility, jewellery, government, education | fuel, rent, wallet load, cash withdrawal, emi, grocery, insurance, education, government, charity, agriculture |
| Forex markup | 3.5% | 2% |
| Domestic lounge | 2/quarter (₹50,000 spend in previous 3 months) | unlimited for primary + add-on (₹75K net spend in prior calendar quarter, effective 15 July 2026) |
| International lounge | up to 12/yr through Priority Pass; membership renews after ₹3 lakh preceding anniversary-year spend | none complimentary |
| Card networks | Mastercard World | Visa Signature |
| Best suited to | lounge, grocery, premium lifestyle | online shopping, domestic lounge, fitness, value premium |
| Issuer evidence | Checked 2026-08-01 | Checked 2026-07-28 |
Frequently asked questions
Is the Axis Bank Select better than the Bank of Baroda (BOBCARD) Eterna?
Neither is universally better. Axis Bank Select charges ₹3,000 + GST a year and earns 10 EDGE Reward Points per ₹200 on eligible spend; Bank of Baroda (BOBCARD) Eterna charges ₹2,499 + GST and earns 3 RP/₹100 (worth ₹0.75 as cashback). The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, Axis Bank Select or Bank of Baroda (BOBCARD) Eterna?
Bank of Baroda (BOBCARD) Eterna has the lower recorded annual fee at ₹2,499 + GST. A spend-based waiver may reduce the effective cost of the other card, so check the waiver threshold before deciding.
Which is better for international spending, Axis Bank Select or Bank of Baroda (BOBCARD) Eterna?
Bank of Baroda (BOBCARD) Eterna publishes the lower forex markup at 2% versus 3.5%. Also confirm whether international transactions earn rewards, since some issuers exclude them.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.