Bank Of Baroda Eterna Mastercard Credit Card vs Hdfc Biz Black Metal Edition Credit Card: Which is Better in 2026?
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The Bank Of Baroda Eterna Mastercard Credit Card and the Hdfc Biz Black Metal Edition Credit Card cater to different user profiles with distinct fee structures and reward focuses. The Eterna card emphasizes accelerated reward points on online, travel, and dining spends, while the HDFC Biz Black Metal Edition targets business-related expenses with premium benefits including international lounge access. Both cards charge foreign exchange fees at 2%, but differ significantly in joining fees and lounge privileges.
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 Eterna Mastercard Credit Card | Hdfc Biz Black Metal Edition Credit Card |
|---|---|---|
| Bank | Bank Of Baroda | HDFC Bank |
| Network | MasterCard | Diners |
| Joining fee | Joining Fee of Rs.2499 | Joining Fee of Rs.10000 |
| Annual / renewal fee | Annual Fee of Rs.2499 | Renewal Fee of Rs.10000 |
| Annual fee waiver | Spend Rs.2.5 Lakhs For Annual Fee Waiver | Spend Rs.1.5 Lakhs For Joining Fee Waiver |
| Reward rate (headline) | Earn 5X Reward Points on Online Spends | Earn 5 Reward Points per Rs.150 on Grocery |
| Lounge — domestic | Unlimited Complimentary Access to Domestic Airport lounges | Enjoy Unlimited Complimentary Lounge Visits in India |
| Lounge — international | — | Enjoy Unlimited Complimentary International Lounge Visits |
| Welcome benefit | Welcome Benefit - Complimentary Pro Membership of Fitpass | Welcome Benefits - Rs.5000 Taj Stay voucher worth Rs.5000 |
| Milestone benefit | Earn 10000 bonus reward points on spending Rs.50000; Earn 20000 bonus reward points on spending Rs.500000 | — |
| Foreign currency markup | 2% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
Which is better for rewards?
The Bank Of Baroda Eterna Mastercard Credit Card offers strong rewards on online, travel, and dining spends with 5X points and milestone bonuses, making it suitable for lifestyle and travel spenders. In contrast, the Hdfc Biz Black Metal Edition Credit Card focuses on business spend categories, offering 5X points on business spends and a variety of other categories at 5 points per Rs.150, but lacks accelerated rewards on lifestyle spends. Redemption values also differ, with the Eterna card offering Rs.0.25 per point cashback and the HDFC card providing higher value in business catalogue redemptions. Overall, Eterna is better for consumer rewards while HDFC suits business spenders.
Which is better for travel?
For travel benefits, the Hdfc Biz Black Metal Edition Credit Card has an edge with unlimited complimentary access to both domestic and international airport lounges, plus welcome vouchers for Taj stays and Marriott membership. The Bank Of Baroda Eterna Mastercard Credit Card offers unlimited domestic lounge access only and a Fitpass membership as a welcome benefit. If international lounge access and premium hotel benefits are priorities, the HDFC card is preferable.
Which has lower effective cost?
The Bank Of Baroda Eterna Mastercard Credit Card has a significantly lower joining and renewal fee of Rs.2499 each, with an annual fee waiver on spending Rs.2.5 lakhs. The Hdfc Biz Black Metal Edition Credit Card charges Rs.10,000 for joining and renewal, with a lower waiver threshold of Rs.1.5 lakhs for the joining fee but no explicit renewal waiver mentioned. For users mindful of upfront and recurring costs, the Eterna card is more cost-effective, especially if spending thresholds for fee waivers can be met.
Lounge Access Comparison
The Hdfc Biz Black Metal Edition Credit Card provides unlimited complimentary access to both domestic and international airport lounges, enhancing travel comfort for frequent flyers. The Bank Of Baroda Eterna Mastercard Credit Card offers unlimited access only to domestic lounges, which may be sufficient for users with primarily domestic travel needs.
Fee Waiver Conditions
The Eterna card requires an annual spend of Rs.2.5 lakhs to waive the Rs.2499 annual fee, whereas the HDFC Biz Black Metal Edition waives the Rs.10,000 joining fee upon spending Rs.1.5 lakhs but does not explicitly mention renewal fee waivers. This makes fee management more straightforward with the Eterna card for users with consistent yearly spends.
Who should pick Bank Of Baroda Eterna Mastercard Credit Card?
Consider Bank Of Baroda Eterna Mastercard Credit Card if you seek a credit card with strong rewards on online, travel, and dining spends at a moderate fee. It is suitable for lifestyle users who value domestic lounge access and milestone bonuses, and prefer a lower joining fee with achievable fee waivers. The welcome Fitpass membership adds lifestyle value beyond rewards.
Who should pick Hdfc Biz Black Metal Edition Credit Card?
Consider Hdfc Biz Black Metal Edition Credit Card if you are a business user looking for premium benefits including unlimited domestic and international lounge access, concierge services, and rewards tailored to business spends. Despite its higher fee, it offers valuable welcome vouchers, Marriott membership, and golf privileges, making it attractive for business professionals who can leverage these perks and meet the higher spending requirements.
Frequently Asked Questions
The Bank Of Baroda Eterna Mastercard Credit Card has a joining fee of Rs.2499, while the Hdfc Biz Black Metal Edition Credit Card charges Rs.10,000 as joining fee.
Yes, the Eterna card offers unlimited complimentary access to domestic airport lounges, whereas the HDFC Biz Black Metal Edition provides unlimited complimentary access to both domestic and international lounges.
Both cards charge a 2% forex markup on foreign currency transactions.
The Eterna card offers 5X reward points on online, travel, and dining spends plus milestone bonuses, while the HDFC Biz Black Metal Edition offers 5X points on business spends and 5 points per Rs.150 on various categories like insurance, grocery, and telecom.
The Eterna card provides a complimentary Pro Membership of Fitpass as a welcome benefit, while the HDFC Biz Black Metal Edition offers a Rs.5000 Taj Stay voucher upon meeting minimum spend criteria.
The Eterna card waives the Rs.2499 annual fee if you spend Rs.2.5 lakhs annually. The HDFC Biz Black Metal Edition waives the joining fee of Rs.10,000 if you spend Rs.1.5 lakhs within 90 days, but renewal fee waiver details are not specified.