Axis Bank Vistara Infinite Credit Card vs Bank Of Baroda Eterna Mastercard Credit Card: Which is Better in 2026?
vs
In short: BOB Eterna has the lower annual fee (₹2,499 vs ₹10,000); Axis Vistara Infinite includes 2 airport lounge visits, BOB Eterna unlimited domestic lounge access; BOB Eterna has the lower forex markup (2% vs 3.5%).
| Key facts | Axis Vistara Infinite | BOB Eterna |
|---|---|---|
| Annual fee | ₹10,000 | ₹2,499 |
| Joining fee | ₹10,000 | ₹2,499 |
| Annual fee waived | Not listed | On ₹2.5 lakh annual spend |
| Lounge access | 2 airport lounge visits | Unlimited domestic lounge access |
| Forex markup | 3.5% | 2% |
From issuer benefit data, checked 23 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Axis Bank Vistara Infinite Credit Card and the Bank Of Baroda Eterna Mastercard Credit Card cater to different user needs, with the former focusing on premium travel benefits and the latter on versatile rewards and cost efficiency. Axis Bank Vistara Infinite offers high-value business class ticket vouchers and Maharaja points, while the Bank Of Baroda Eterna card provides accelerated reward points across multiple categories and unlimited domestic lounge access. Both cards have distinct fee structures and foreign exchange markups that influence their overall value proposition.
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.2.5 Lakhs For Annual 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 10000 bonus reward points on spending Rs.50000; Earn 20000 bonus reward points on spending Rs.500000 |
| 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 offers a more flexible and accelerated earning structure, especially with 5X points on dining, online, travel, and international spends, plus milestone bonus points. The Axis Bank Vistara Infinite Credit Card provides a straightforward earning of 6 Maharaja Points per Rs. 200 spent but focuses more on travel-related rewards rather than broad category acceleration. Therefore, for users seeking diverse reward categories and milestone bonuses, the Eterna card is more rewarding.
Which is better for travel?
The Axis Bank Vistara Infinite Credit Card is clearly designed for premium travel enthusiasts, offering a complimentary business class ticket voucher as a welcome benefit, multiple business class ticket vouchers as milestones, and a complimentary Maharaja Club Gold Membership. It also provides two complimentary domestic airport lounge accesses. In contrast, the Bank Of Baroda Eterna Mastercard Credit Card offers unlimited complimentary domestic lounge access but lacks international lounge or premium travel vouchers. Hence, for high-value travel perks and business class benefits, the Vistara Infinite card is superior.
Which has lower effective cost?
The Bank Of Baroda Eterna Mastercard Credit Card has a significantly lower joining and renewal fee of Rs. 2499, with an annual fee waiver available on spending Rs. 2.5 lakhs. The Axis Bank Vistara Infinite Credit Card charges a hefty Rs. 10,000 joining and renewal fee with no explicit fee waiver mentioned. Additionally, the Eterna card has a lower forex markup of 2% compared to 3.5% on the Vistara Infinite card, making it more cost-effective for foreign currency transactions.
Foreign Exchange Markup
The Bank Of Baroda Eterna Mastercard Credit Card charges a 2% forex markup, which is notably lower than the 3.5% charged by the Axis Bank Vistara Infinite Credit Card. This makes the Eterna card more economical for users who frequently make foreign currency transactions.
Fee Waiver Conditions
The Eterna card offers an annual fee waiver on spending Rs. 2.5 lakhs, providing a clear path to reduce costs for active users. The Vistara Infinite card does not mention any fee waiver, which might make its high fees less appealing unless the travel benefits are fully utilized.
Who should pick Axis Bank Vistara Infinite Credit Card?
Consider Axis Bank Vistara Infinite Credit Card if you prioritize premium travel benefits, such as complimentary business class ticket vouchers, Maharaja Club Gold membership, and a focus on luxury travel experiences. This card suits frequent flyers who can leverage its milestone travel rewards and concierge services despite the higher fees.
Who should pick Bank Of Baroda Eterna Mastercard Credit Card?
Consider Bank Of Baroda Eterna Mastercard Credit Card if you want a more affordable credit card with versatile accelerated rewards across dining, online, travel, and international spends, plus unlimited domestic lounge access. It is suitable for users looking for good rewards value with lower fees and a fee waiver option on annual spending.
Frequently Asked Questions
The Axis Bank Vistara Infinite Credit Card has a joining and renewal fee of Rs. 10,000 each, while the Bank Of Baroda Eterna Mastercard Credit Card charges Rs. 2,499 for both joining and renewal.
The Bank Of Baroda Eterna Mastercard Credit Card offers 5X reward points on dining, online, travel, and international spends, whereas the Axis Bank Vistara Infinite Credit Card offers 6 Maharaja Points for every Rs. 200 spent without category acceleration.
The Axis Bank Vistara Infinite Credit Card provides 2 complimentary domestic airport lounge accesses, while the Bank Of Baroda Eterna Mastercard Credit Card offers unlimited complimentary access to domestic airport lounges.
Yes, the Axis Bank Vistara Infinite Credit Card charges a 3.5% forex markup, whereas the Bank Of Baroda Eterna Mastercard Credit Card charges a lower 2% forex markup on foreign currency transactions.
The Bank Of Baroda Eterna Mastercard Credit Card offers an annual fee waiver if you spend Rs. 2.5 lakhs in a year. The Axis Bank Vistara Infinite Credit Card does not specify any fee waiver.
The Axis Bank Vistara Infinite Credit Card offers a complimentary business class ticket voucher as a welcome benefit, while the Bank Of Baroda Eterna Mastercard Credit Card provides complimentary Pro Membership of Fitpass.