Which card has a lower forex fee: BOBCARD Eterna Credit Card or HDFC Regalia Gold Credit Card?

Both cards have the same forex markup (2%).

Which card has a lower annual fee: BOBCARD Eterna Credit Card or HDFC Regalia Gold Credit Card?

BOBCARD Eterna Credit Card has a lower annual fee (₹2,499 annual fee vs ₹2,500 annual fee).

Which card offers better lounge access?

BOBCARD Eterna Credit Card: Unlimited domestic lounge access. HDFC Regalia Gold Credit Card: 3 per quarter domestic + 6 per year international.

Which card has a higher base reward rate?

BOBCARD Eterna Credit Card has higher conservative base reward value (~0.75% vs ~0.38%).

Pairwise comparison Compare 3+ cards →

BOBCARD Eterna vs HDFC Bank Regalia Gold Credit Cards – Fees, Lounge, Forex

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.

Eterna

Regalia Gold

The short answer

Verdict

Pick Eterna for lounge access.

Head-to-head

Three core metrics

Annual fee

Eterna ₹2,499 Waivable at ₹2,50,000 spend

Regalia Gold ₹2,500 Waivable at ₹4,00,000 or more spend

Eterna saves ₹1/yr
Forex markup

Eterna 2%

Regalia Gold 2%
Domestic lounge

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)

Eterna has unlimited domestic visits

Reward earning explained

Per card

Eterna

3 pts / ₹100 · 15 points/₹100 on eligible dining, international, online, shopping, and travel

Strong data

Regalia Gold

2.5 pts / ₹100 · 12.5 points/₹100 on eligible marks & Spencer, myntra, nykaa, and reliance Digital

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (BOBCARD Eterna: ₹2,499 vs HDFC Bank Regalia Gold: ₹2,500), forex markup (2% vs 2%), or lounge access (Unlimited vs 12/year (3 per quarter)).

Travel Tie

Both cards are similar for travel

Forex markup is 2%.
Forex markup Tie

Both cards are similar for forex

Forex markup is 2%.
Lounge access BOBCARD Eterna wins

BOBCARD Eterna is better for lounge access

BOBCARD Eterna is stronger here. BOBCARD Eterna offers unlimited domestic lounge visits versus 12 per year.
Rewards Tie

Both cards are similar for rewards

BOBCARD Eterna conservative base value ~0.8% vs HDFC Bank Regalia Gold's ~0.4%. HDFC Bank Regalia Gold conservative base value ~0.4% vs BOBCARD Eterna's ~0.8%.

All fields

Standard view

Example 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.

Field	Eterna BOBCARD	Regalia Gold HDFC Bank
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
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

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

Verify with issuer