Bank of Baroda (BOBCARD) Eterna vs HDFC Bank Millennia
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
Bank of Baroda (BOBCARD) Eterna and HDFC Bank Millennia differ first on recurring cost: Bank of Baroda (BOBCARD) Eterna has an annual fee of ₹2,499 + GST against ₹1,000 for HDFC Bank Millennia, so HDFC Bank Millennia is cheaper to hold. On rewards, Bank of Baroda (BOBCARD) Eterna earns 3 RP/₹100 (worth ₹0.75 as cashback) while HDFC Bank Millennia earns 1% in CashPoints. 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 2026-08-25. Confirm final terms with the issuer.
| Feature | Bank of Baroda (BOBCARD) Eterna | HDFC Bank Millennia |
|---|---|---|
| Issuer | Bank of Baroda (BOBCARD) | HDFC Bank |
| Joining fee | ₹2,499 + GST | ₹1,000 |
| Annual fee | ₹2,499 + GST | ₹1,000 |
| Fee waiver | ₹2,50,000 annual eligible spend | ₹1,00,000 annual eligible spend |
| Base rewards | 3 RP/₹100 (worth ₹0.75 as cashback) | 1% in CashPoints |
| Accelerated routes | 15 RP/₹100 (worth 3.75% as cashback) | Amazon/BookMyShow/Cult.fit/Flipkart/Myntra/Sony LIV/Swiggy/Tata CLiQ/Uber/Zomato |
| Reward exclusions | fuel, rent, wallet load, cash withdrawal, emi, grocery, insurance, education, government, charity, agriculture | fuel, rent, wallet load, emi, government |
| Forex markup | 2% | 3.5% |
| Fuel surcharge waiver | Not recorded — confirm with issuer | Not recorded — confirm with issuer |
| Domestic lounge | unlimited for primary + add-on (₹75K net spend in prior calendar quarter, effective 15 July 2026) | up to 4/yr as an alternative to the ₹1,000 quarterly milestone voucher (₹1L/quarter spend) |
| International lounge | none complimentary | none |
| Card networks | Visa Signature | Visa, Mastercard |
| Best suited to | online shopping, domestic lounge, fitness, value premium | online shopping, first card, young professional |
| Issuer evidence | Checked 2026-07-28 | Checked 2026-07-16 |
Frequently asked questions
Is the Bank of Baroda (BOBCARD) Eterna better than the HDFC Bank Millennia?
Neither is universally better. Bank of Baroda (BOBCARD) Eterna charges ₹2,499 + GST a year and earns 3 RP/₹100 (worth ₹0.75 as cashback); HDFC Bank Millennia charges ₹1,000 and earns 1% in CashPoints. 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, Bank of Baroda (BOBCARD) Eterna or HDFC Bank Millennia?
HDFC Bank Millennia has the lower recorded annual fee at ₹1,000. 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, Bank of Baroda (BOBCARD) Eterna or HDFC Bank Millennia?
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.