Axis Bank Vistara Infinite Credit Card vs Bank Of Baroda Eterna Mastercard Credit Card: Which is Better in 2026?

Which is better for rewards?

Both cards offer compelling rewards but cater to different spending styles. The Axis Bank Vistara Infinite Credit Card rewards primarily through Maharaja Points that can be redeemed for business class ticket vouchers, which is ideal for frequent flyers loyal to Vistara. In contrast, the Bank Of Baroda Eterna Mastercard Credit Card offers a broader rewards program with 3 reward points per Rs.100 spent and accelerated 5X points on travel, dining, international, and online spends, making it more versatile for everyday spending. The Eterna card also provides milestone bonus points, enhancing its rewards potential for high spenders. Overall, if you prefer travel-focused rewards tied to a specific airline, Vistara Infinite is suitable; for a wider range of accelerated rewards, Eterna is competitive.

Which is better for travel?

For travel benefits, the Axis Bank Vistara Infinite Credit Card leads with its welcome complimentary business class ticket voucher and multiple business class ticket vouchers as milestones on high annual spends. It also includes complimentary Maharaja Club Gold Membership, enhancing the travel experience with Vistara. However, lounge access is limited to 2 complimentary domestic airport lounges per year. The Bank Of Baroda Eterna Mastercard Credit Card offers unlimited complimentary access to domestic airport lounges, which is a significant advantage for frequent domestic travelers. Neither card offers international lounge access. Thus, for premium travel perks and airline-specific benefits, Vistara Infinite is better, while for frequent domestic lounge access, Eterna is preferable.

Which has lower effective cost?

The Bank Of Baroda Eterna Mastercard Credit Card is more accessible in terms of fees, with a joining and annual fee of Rs.2499 each, and a waiver on the joining fee upon spending Rs.25000. In contrast, the Axis Bank Vistara Infinite Credit Card carries a much higher joining and renewal fee of Rs.10000 each, with no stated waiver. Forex markup charges are also lower on the Eterna card at 2% compared to 3.5% on the Vistara Infinite, making it more cost-effective for international spends. Overall, Eterna is more suitable for users looking for a lower fee structure and better forex rates, while Vistara Infinite targets premium users willing to pay higher fees for exclusive travel benefits.

Rewards Versatility

The Bank Of Baroda Eterna Mastercard Credit Card offers accelerated 5X reward points on multiple categories including travel, dining, international spends, and online shopping, capped at 5000 points per category. This makes it suitable for users with diverse spending habits. In contrast, the Axis Bank Vistara Infinite Credit Card rewards are focused on earning Maharaja Points primarily for Vistara flights, catering to airline loyalists.

Fee Waiver and Forex Charges

Bank Of Baroda Eterna provides a joining fee waiver if you spend Rs.25000, which can help reduce the effective cost of holding the card. It also has a lower forex markup fee of 2%, beneficial for cardholders who frequently transact in foreign currencies. Axis Bank Vistara Infinite has higher fees with no stated waiver and a higher forex markup of 3.5%, making it more expensive for international usage.

Lounge Access Comparison

While Axis Bank Vistara Infinite offers only 2 complimentary domestic airport lounge accesses annually, Bank Of Baroda Eterna provides unlimited complimentary access to domestic lounges. Neither card offers international lounge access. This makes Eterna more attractive for frequent domestic travelers who value lounge visits.

Who should pick Axis Bank Vistara Infinite Credit Card?

Consider Axis Bank Vistara Infinite Credit Card if you are a frequent Vistara flyer seeking premium travel benefits such as complimentary business class ticket vouchers and Maharaja Club Gold Membership. It is ideal for those who value exclusive airline rewards and are comfortable with higher annual fees for luxury travel perks. This card suits high spenders who can take advantage of milestone business class ticket vouchers and concierge services.

Who should pick Bank Of Baroda Eterna Mastercard Credit Card?

Consider Bank Of Baroda Eterna Mastercard Credit Card if you prefer a credit card with a lower joining and annual fee, unlimited domestic airport lounge access, and versatile accelerated rewards across travel, dining, international, and online spends. It is a practical choice for frequent domestic travelers and users who want a flexible rewards program with milestone bonuses and better forex markup rates. This card is also more beginner-friendly due to its fee waiver on moderate spending.