3 pts / ₹100 · 15 points/₹100 on eligible dining, international, online, shopping, and travel
Strong data Pairwise comparison
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BOBCARD Eterna vs HDFC Regalia Gold
Side-by-side comparison of the BOBCARD Eterna and the HDFC Bank Regalia Gold. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Pick Eterna for lounge access and a lower fee.
Eterna costs ₹1 less a year.
Head-to-head
- Annual fee Annual fee outcome: Eterna wins. Eterna saves ₹1/yrEterna ₹2,499 Waivable at ₹2,50,000 spendRegalia Gold ₹2,500 Waivable at ₹4,00,000 or more spend
- Forex markup Forex markup outcome: tie. Eterna 2%Regalia Gold 2%
- Domestic lounge Domestic lounge outcome: Eterna wins. Eterna Unlimited Conditional · Domestic: Unlimited · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)Regalia Gold 12/year (3 per quarter) Conditional · Domestic: 3/quarter · requires ₹60,000 spend in the previous calendar quarter (unlocks the following quarter)
- Rewards Rewards outcome: tie. conservative base valueEterna ~0.8%Regalia Gold ~0.4%
Reward earning explained
2.5 pts / ₹100 · 12.5 points/₹100 on eligible marks & Spencer, myntra, nykaa, and reliance Digital
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- BOBCARD Eterna: ~₹380/month at base rate
- Regalia Gold: ~₹190/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | Eterna BOBCARD | Regalia Gold HDFC Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats Unlimited vs 12/year (3 per quarter) | Unlimited | 12/year (3 per quarter) |
| International lounge visits Only available for Regalia Gold | Not specified | 6 per year |
| Forex / International Use | ||
| Forex markup | 2% | 2% |
| Fees | ||
| Recurring annual fee ₹2,499 vs ₹2,500 | ₹2,499 | ₹2,500 |
| First-year cost Only available for Regalia Gold | Not specified | ₹2,500 |
| Annual-fee waiver ₹2,50,000 vs ₹4,00,000 or more | ₹2,50,000 | ₹4,00,000 or more |
| Monthly interest rate Only available for BOBCARD Eterna | 3.75% / month | Not specified |
| Late-payment charge Only available for Regalia Gold | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit Surcharge waiver available · ₹400–₹5,000 transactions · ₹250/month waiver cap vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap · Fuel rewards excluded | Surcharge waiver available · ₹400–₹5,000 transactions · ₹250/month waiver cap | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Points per ₹100 3 pts / ₹100 vs 2.5 pts / ₹100 | 3 pts / ₹100 | 2.5 pts / ₹100 |
| Conservative base value ~0.8% vs ~0.4% | ~0.8% | ~0.4% |
| Earn ceiling 5,000 points per statement cycle — shared across Dining, International spend, Online shopping, Shopping & Travel vs 50,000 points per statement cycle; at 2.5 pts / ₹100, this lane reaches the cap at ₹20,00,000 of eligible spend | 5,000 points per statement cycle — shared across Dining, International spend, Online shopping, Shopping & Travel | 50,000 points per statement cycle at 2.5 pts / ₹100, this lane reaches the cap at ₹20,00,000 of eligible spend |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.25 vs ₹0.5 | ₹0.25 | ₹0.5 |
| Point validity Only available for Regalia Gold | Not specified | 2 years |
| Insurance — Air accident cover Only available for Regalia Gold | Not specified | ₹1 crore |
| Insurance — Emergency medical cover Only available for Regalia Gold | Not specified | ₹15 lakh |
| Insurance — Lost card liability cover Only available for Regalia Gold | Not specified | ₹9 lakh |
| Insurance — Underwriter Only available for Regalia Gold | Not specified | Insured by HDFC ERGO General Insurance Company Limited |
Notes
- BOBCARD Eterna Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- HDFC Regalia Gold Credit Card: Condition: ₹60,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
BOBCARD Eterna
HDFC Bank Regalia Gold
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