Bank of Baroda (BOBCARD) Eterna vs HDFC Bank Regalia Gold
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 Regalia Gold differ first on recurring cost: Bank of Baroda (BOBCARD) Eterna has an annual fee of ₹2,499 + GST against ₹2,500 + GST for HDFC Bank Regalia Gold, so Bank of Baroda (BOBCARD) Eterna is cheaper to hold. On rewards, Bank of Baroda (BOBCARD) Eterna earns 3 RP/₹100 (worth ₹0.75 as cashback) while HDFC Bank Regalia Gold earns 5 Reward Points per ₹200 on eligible retail spends; complete ₹200 multiples. Both publish the same 2% forex markup. 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 | Bank of Baroda (BOBCARD) Eterna | HDFC Bank Regalia Gold |
|---|---|---|
| Issuer | Bank of Baroda (BOBCARD) | HDFC Bank |
| Joining fee | ₹2,499 + GST | ₹2,500 + GST |
| Annual fee | ₹2,499 + GST | ₹2,500 + GST |
| Fee waiver | ₹2,50,000 annual eligible spend | ₹4,00,000 annual eligible spend |
| Base rewards | 3 RP/₹100 (worth ₹0.75 as cashback) | 5 Reward Points per ₹200 on eligible retail spends; complete ₹200 multiples |
| Accelerated routes | 15 RP/₹100 (worth 3.75% as cashback) | 5X Reward Points on eligible direct merchant payments; incremental rewards capped at 5,000 points/month · Eligible grocery spend · Eligible utility and telecom spend |
| Reward exclusions | fuel, rent, wallet load, cash withdrawal, emi, grocery, insurance, education, government, charity, agriculture | fuel, rent, property management, wallet load, easy emi, smart emi, government, gaming, education third party, cash advance, fees |
| Forex markup | 2% | 2% |
| Domestic lounge | unlimited for primary + add-on (₹75K net spend in prior calendar quarter, effective 15 July 2026) | 3 visits/quarter after ₹60,000 spend in the preceding calendar quarter |
| International lounge | none complimentary | 6/year outside India via Priority Pass; at least 4 card transactions required before requesting membership |
| Card networks | Visa Signature | Visa Signature, Mastercard |
| Best suited to | online shopping, domestic lounge, fitness, value premium | travel, shopping, upper mid spender |
| Issuer evidence | Checked 2026-07-28 | Checked 2026-07-26 |
Frequently asked questions
Is the Bank of Baroda (BOBCARD) Eterna better than the HDFC Bank Regalia Gold?
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 Regalia Gold charges ₹2,500 + GST and earns 5 Reward Points per ₹200 on eligible retail spends; complete ₹200 multiples. 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 Regalia Gold?
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, Bank of Baroda (BOBCARD) Eterna or HDFC Bank Regalia Gold?
Both publish a 2% forex markup, so compare international reward eligibility and lounge access instead.
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.