BOBCARD Eterna Credit Card vs IndusInd Legend Credit Card
BOBCARD · IndusInd Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
BOBCARDScoreExcellent
Annual Fee₹2,499
Max Reward15%
IndusInd BankScoreGood
Annual FeeFree
Max Reward2%
BOBCARD Eterna Credit Card leads overall with a CardCheck Score of 85/100 (+18 pts over IndusInd Legend Credit Card).
4-Pillar Head-to-Head Breakdown
BOBCARD vs IndusIndReward Power
35%BOBCARD35/35
IndusInd24/35
BOBCARD Wins
Fee Value & ROI
25%BOBCARD18/25
IndusInd25/25
IndusInd Wins
Lounge & Travel
20%BOBCARD20/20
IndusInd4/20
BOBCARD Wins
Forex & Access
20%BOBCARD12/20
IndusInd14/20
IndusInd Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 85Best
- 67
- Rating Verdict
- Excellent
- Good
- Reward Power (35%)
- 35/35
- 24/35
- Fee Value & ROI (25%)
- 18/25
- 25/25
- Lounge & Travel (20%)
- 20/20
- 4/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- BOBCARD
- IndusInd Bank
- Network
- Visa
- Visa
- Card type
- Premium
- Premium
- Best for
- BOB's flagship — 10 RP per ₹100 on intl/dining, unlimited domestic lounge
- Lifetime-free with lounge access — 4X on dining, weekend entertainment
03—Fees
- Joining fee
- ₹2,499Best
- ₹5,000
- Annual fee
- ₹2,499
- FreeBest
- Fee waiver
- ₹2,50,000
- —
04—Interest
- APR (min)
- 42%Best
- 47.4%
- APR (max)
- 42%Best
- 47.4%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.75%
- 1%Best
- Max rate
- 15%Best
- 2%
- Points / ₹100
- 3Best
- 1
- Point value
- ₹0.25
- —
- Monthly cap
- ₹1,250
- —
06—Travel & Lounge
- Domestic lounge / qtr
- Unlimited
- 0
- Lounge spend criteria
- ₹40,000 spend in preceding calendar quarter required
- —
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 2%
- 1.8%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- —
- Min income / month
- ₹1,00,000
- —
- Min CIBIL
- 750
- —
- Invite only
Rows won
06of 09
03of 09
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 85Best | 67 |
| Rating Verdict | Excellent | Good |
| Reward Power (35%) | 35/35 | 24/35 |
| Fee Value & ROI (25%) | 18/25 | 25/25 |
| Lounge & Travel (20%) | 20/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | BOBCARD | IndusInd Bank |
| Network | Visa | Visa |
| Card type | Premium | Premium |
| Best for | BOB's flagship — 10 RP per ₹100 on intl/dining, unlimited domestic lounge | Lifetime-free with lounge access — 4X on dining, weekend entertainment |
03—Fees Differences highlighted | ||
| Joining fee | ₹2,499Best | ₹5,000 |
| Annual fee | ₹2,499 | FreeBest |
| Fee waiver | ₹2,50,000 | — |
04—Interest Differences highlighted | ||
| APR (min) | 42%Best | 47.4% |
| APR (max) | 42%Best | 47.4% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.75% | 1%Best |
| Max rate | 15%Best | 2% |
| Points / ₹100 | 3Best | 1 |
| Point value | ₹0.25 | — |
| Monthly cap | ₹1,250 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | Unlimited | 0 |
| Lounge spend criteria | ₹40,000 spend in preceding calendar quarter required | — |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 2% | 1.8%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | — |
| Min income / month | ₹1,00,000 | — |
| Min CIBIL | 750 | — |
| Invite only | ||
| Rows won | 06of 09 | 03of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | BOBCARD Eterna Credit Card | IndusInd Legend Credit Card |
|---|---|---|
| CardCheck Score | 85/100Excellent | 67/100Good |
| Annual Fee | ₹2,499 | Free (₹0) |
| Fee Waiver Spend | ₹2.5L/yr | No waiver |
| Max Reward Potential | 15% | 2% |
| Domestic Lounge Access | Unlimited | None |
| International Lounge | None | None |
| Forex Markup Fee | 2% | 1.8% |
Choose BOBCARD Eterna Credit Card if:
Your spending centers around bob's flagship — 10 rp per ₹100 on intl/dining, unlimited domestic lounge and you want direct partner rewards with BOBCARD.
Choose IndusInd Legend Credit Card if:
Your spending aligns with lifetime-free with lounge access — 4x on dining, weekend entertainment and you prioritize IndusInd Bank's redemption benefits.
Frequently asked questions: BOBCARD Eterna Credit Card vs IndusInd Legend Credit Card
- Which is better: BOBCARD Eterna Credit Card or IndusInd Legend Credit Card?
- BOBCARD Eterna Credit Card holds a higher overall rating with a CardCheck Score of 85/100 (Excellent) compared to 67/100 (Good) for IndusInd Legend Credit Card (a lead of +18 points). BOBCARD Eterna Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- BOBCARD Eterna Credit Card charges an annual fee of ₹2,499 with an annual spend threshold of ₹2.5 Lakh for renewal fee waiver. In comparison, IndusInd Legend Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between BOBCARD Eterna Credit Card and IndusInd Legend Credit Card?
- BOBCARD Eterna Credit Card offers a base reward rate of 0.75% and up to 15% on accelerated partner categories. Meanwhile, IndusInd Legend Credit Card offers a base rate of 1% and up to 2% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: BOBCARD Eterna Credit Card or IndusInd Legend Credit Card?
- BOBCARD Eterna Credit Card provides unlimited complimentary domestic airport lounge access (₹40,000 spend in preceding calendar quarter required). On the other hand, IndusInd Legend Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- BOBCARD Eterna Credit Card levies a foreign currency markup fee of 2%, while IndusInd Legend Credit Card charges 1.8%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).