Bank Of Baroda Cashback Mastercard Credit Card vs Bank Of Baroda Eterna Mastercard Credit Card: Which is Better in 2026?
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The Bank Of Baroda Cashback Mastercard Credit Card offers no notable benefits, while the Bank Of Baroda Eterna Mastercard Credit Card provides a structured rewards program and additional features. This comparison highlights the significant differences in rewards and fees between the two cards.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Bank Of Baroda Cashback Mastercard Credit Card | Bank Of Baroda Eterna Mastercard Credit Card |
|---|---|---|
| Bank | Bank Of Baroda | Bank Of Baroda |
| Network | MasterCard | MasterCard |
| Joining fee | — | Joining Fee of Rs.2499 |
| Annual / renewal fee | — | Annual Fee of Rs.2499 |
| Annual fee waiver | — | Spend Rs.2.5 Lakhs For Annual Fee Waiver |
| Reward rate (headline) | — | Earn 5X Reward Points on Travel and International spends |
| Lounge — domestic | — | Unlimited Complimentary Access to Domestic Airport lounges |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | 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 | — | 2% - Foreign Currency Transactions |
Which is better for rewards?
The Bank Of Baroda Eterna Mastercard Credit Card is clearly superior for rewards, offering 3 Reward Points per Rs.100 spent, along with 5X Reward Points on various categories such as travel, online spends, and dining. In contrast, the Bank Of Baroda Cashback Mastercard Credit Card lacks any rewards program, making it less appealing for users interested in earning points or cashback.
Which is better for travel?
For travel benefits, the Bank Of Baroda Eterna Mastercard Credit Card provides unlimited complimentary access to domestic airport lounges, enhancing the travel experience. The Bank Of Baroda Cashback Mastercard Credit Card does not offer any travel-related perks, making it less suitable for frequent travelers.
Which has lower effective cost?
Both cards have a joining fee and an annual fee of Rs.2499 for the Eterna card, while the Cashback card has no specified fees. However, the Eterna card offers a fee waiver if a minimum spend of Rs.25000 is met, which adds value. The lack of fee-related benefits in the Cashback card makes it less competitive in terms of overall cost-effectiveness.
Who should pick Bank Of Baroda Cashback Mastercard Credit Card?
Consider Bank Of Baroda Cashback Mastercard Credit Card if you prefer a straightforward card with no fees or if you do not require rewards and benefits. This card may suit those who are not frequent spenders or who want to avoid the complexities of rewards programs.
Who should pick Bank Of Baroda Eterna Mastercard Credit Card?
Consider Bank Of Baroda Eterna Mastercard Credit Card if you are looking for a card that offers substantial rewards and travel benefits. With its structured rewards program and lounge access, it is ideal for frequent travelers and those who spend regularly in the categories that earn higher rewards.
Frequently Asked Questions
The joining fee is Rs.2499.
No, it does not offer any rewards or cashback.
It offers unlimited complimentary access to domestic airport lounges.
Yes, there is a fee waiver if you spend Rs.25000.