Axis Bank Vistara Infinite Credit Card vs Bank Of Baroda Eterna Mastercard Credit Card: Which is Better in 2026?
vs
The Axis Bank Vistara Infinite Credit Card and the Bank Of Baroda Eterna Mastercard Credit Card cater to different user preferences with distinct fee structures, reward programs, and travel benefits. Axis Bank Vistara Infinite focuses on premium travel rewards with business class ticket vouchers and limited lounge access, while Bank Of Baroda Eterna offers more accessible fees, unlimited domestic lounge access, and versatile reward points. Both cards have unique milestone benefits and forex charges that may influence your choice depending on your spending and travel habits.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Axis Bank Vistara Infinite Credit Card | Bank Of Baroda Eterna Mastercard Credit Card |
|---|---|---|
| Bank | Axis Bank | Bank Of Baroda |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.10000 | Joining Fee of Rs.2499 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.10000 | Annual Fee of Rs.2499 |
| Annual fee waiver | — | Spend Rs.25000 For Joining Fee Waiver |
| Reward rate (headline) | Earn 6 Maharaja Points For Every Rs.200 | Earn 3 Reward Points per Rs.100 |
| Lounge — domestic | 2 Complimentary Airport Lounge Access | Unlimited Complimentary Access to Domestic Airport lounges |
| Welcome benefit | Welcome Benefit - Complimentary Business Class Ticket Voucher | Welcome Benefit - Complimentary Pro Membership of Fitpass |
| Milestone benefit | — | Earn 20000 bonus reward points on spending Rs.500000; Earn 10000 bonus reward points on spending Rs.50000 |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
Which is better for rewards?
When it comes to rewards, the Bank Of Baroda Eterna Mastercard Credit Card provides more flexibility and volume with 3 reward points per Rs.100 spent and accelerated 5X points on travel, dining, international, and online spends, along with milestone bonus points. In contrast, the Axis Bank Vistara Infinite offers 6 Maharaja Points per Rs.200 spent, which are more niche and tied to Vistara’s program but lacks accelerated categories or cashback redemption. Therefore, for broader and more frequent rewards, the Eterna card is more rewarding.
Which is better for travel?
The Axis Bank Vistara Infinite Credit Card is more travel-centric, offering a welcome benefit of a complimentary business class ticket voucher and multiple milestone business class ticket vouchers on high spends. It also includes 2 complimentary domestic lounge accesses and complimentary Maharaja Club Gold membership. The Bank Of Baroda Eterna card provides unlimited complimentary domestic lounge access, which is a strong travel perk, but lacks international lounge access or premium flight ticket benefits. Thus, for premium travel benefits and business class perks, the Vistara Infinite card is superior, while Eterna suits frequent domestic travelers who value lounge access.
Which has lower effective cost?
In terms of fees, the Bank Of Baroda Eterna Mastercard Credit Card is significantly more affordable with a joining and renewal fee of Rs.2499, which can be waived by spending Rs.25000. The Axis Bank Vistara Infinite card has a steep joining and renewal fee of Rs.10000 with no explicit waiver mentioned. Additionally, the Eterna card has a lower forex markup of 2% compared to 3.5% on the Vistara Infinite. For cost-conscious users or those new to premium cards, the Eterna card offers better fee management and lower foreign transaction costs.
Forex Charges Comparison
The Axis Bank Vistara Infinite Credit Card charges a higher forex markup of 3.5% on foreign currency transactions, which can increase costs for international travelers. In contrast, the Bank Of Baroda Eterna Mastercard Credit Card has a lower forex markup of 2%, making it more cost-effective for overseas spending.
Lounge Access Benefits
While the Axis Bank Vistara Infinite offers 2 complimentary domestic airport lounge accesses, the Bank Of Baroda Eterna provides unlimited complimentary access to domestic lounges. Neither card offers international lounge access, so frequent domestic travelers may find more value in the Eterna card's unlimited lounge benefit.
Milestone Rewards Structure
Axis Bank Vistara Infinite rewards high spenders with multiple business class ticket vouchers at various spend thresholds, emphasizing premium travel rewards. Bank Of Baroda Eterna offers milestone bonus reward points on spends of Rs.50000 and Rs.500000, which can be redeemed as cashback, catering to users seeking milestone incentives with more flexible redemption.
Who should pick Axis Bank Vistara Infinite Credit Card?
Consider Axis Bank Vistara Infinite Credit Card if you prioritize premium travel rewards, especially business class ticket vouchers, and value exclusive concierge services and Maharaja Club Gold membership. This card suits high spenders who want luxury travel benefits and can justify the higher fees for the premium perks.
Who should pick Bank Of Baroda Eterna Mastercard Credit Card?
Consider Bank Of Baroda Eterna Mastercard Credit Card if you prefer a more affordable credit card with unlimited domestic lounge access and versatile rewards on travel, dining, and online spends. It is suitable for users looking for a balanced card with lower fees, easier fee waivers, and a good reward points program that can be redeemed for cashback.
Frequently Asked Questions
Axis Bank Vistara Infinite Credit Card has a joining and renewal fee of Rs.10000, while Bank Of Baroda Eterna Mastercard Credit Card charges Rs.2499 for both, with a waiver available on spending Rs.25000.
Bank Of Baroda Eterna Mastercard Credit Card offers 5X reward points on travel and dining spends, whereas Axis Bank Vistara Infinite Credit Card earns Maharaja Points mainly on general spends without accelerated categories.
Yes, Axis Bank Vistara Infinite offers 2 complimentary domestic lounge accesses, while Bank Of Baroda Eterna provides unlimited complimentary access to domestic airport lounges. Neither card includes international lounge access.
Axis Bank Vistara Infinite Credit Card offers a complimentary business class ticket voucher as a welcome benefit. Bank Of Baroda Eterna Mastercard Credit Card provides a complimentary Pro Membership of Fitpass valid for 6 months.
Axis Bank Vistara Infinite charges a forex markup of 3.5%, while Bank Of Baroda Eterna charges a lower forex markup of 2% on foreign currency transactions.
Bank Of Baroda Eterna Mastercard Credit Card offers an annual fee waiver if you spend Rs.25000, but no fee waiver information is provided for the Axis Bank Vistara Infinite Credit Card.