Bank Of Baroda Cma One Credit Card vs Bank Of Baroda Eterna Mastercard Credit Card: Which is Better in 2026?
vs
The Bank Of Baroda Cma One Credit Card offers minimal benefits, while the Bank Of Baroda Eterna Mastercard Credit Card provides a range of rewards and features. For those seeking rewards and travel perks, the Eterna card stands out significantly.
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 | Bank Of Baroda Cma One 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 superior for rewards, offering 3 reward points per Rs.100 spent, with additional 5X points on travel, online, and dining spends. In contrast, the Bank Of Baroda Cma One Credit Card lacks any reward structure, making it less appealing for those looking to earn points on their purchases.
Which is better for travel?
For travel benefits, the Eterna card provides unlimited complimentary access to domestic airport lounges, enhancing the travel experience. The Cma One Credit Card does not offer any travel-related benefits, making it less suitable for frequent travelers.
Which has lower effective cost?
Both cards have a joining fee of Rs.2499 and an annual fee of Rs.2499 for the Eterna card, while the Cma One Credit Card does not specify any fees. However, the Eterna card offers a fee waiver upon spending Rs.25000, which adds a layer of value for users who can meet that threshold.
Who should pick Bank Of Baroda Cma One Credit Card?
Consider Bank Of Baroda Cma One Credit Card if you prefer a no-frills card without any fees or rewards. This card may suit those who do not engage in frequent spending and want a straightforward credit option.
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, travel benefits, and a clear path to fee waivers. This card is ideal for frequent spenders who can take advantage of its rewards structure.
Frequently Asked Questions
The joining fee is Rs.2499.
No, it does not offer any rewards.
It provides unlimited complimentary access to domestic airport lounges.
Yes, the fee can be waived by spending Rs.25000.