Bank Of Baroda Eterna Mastercard Credit Card vs HDFC Biz Black Metal Edition Credit Card: Which is Better in 2026?
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In short: BOB Eterna has the lower annual fee (₹2,499 vs ₹10,000); BOB Eterna includes unlimited domestic lounge access, HDFC Biz Black Metal Edition unlimited domestic & international lounge access; both charge a 2% forex markup.
| Key facts | BOB Eterna | HDFC Biz Black Metal Edition |
|---|---|---|
| Annual fee | ₹2,499 | ₹10,000 |
| Joining fee | ₹2,499 | ₹10,000 |
| Annual fee waived | On ₹2.5 lakh annual spend | On ₹7.5 lakh annual spend |
| Lounge access | Unlimited domestic lounge access | Unlimited domestic & international lounge access |
| Forex markup | 2% | 2% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Bank Of Baroda Eterna Mastercard Credit Card and the Hdfc Biz Black Metal Edition Credit Card cater to different user needs with distinct fee structures, rewards, and travel benefits. The Eterna card offers accelerated reward points on dining, online, and travel spends, while the HDFC Biz Black card focuses on business-related rewards and premium travel privileges, including international lounge access. Fee waivers and milestone benefits also vary significantly between these 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 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.7.5 Lakhs For Renewal Fee Waiver |
| Reward rate (headline) | Earn 3 Reward Points per Rs.100 | Earn 5 Reward Points per Rs.150 on Other Spends |
| 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 provides a higher rate of reward points on key categories such as dining, online, and travel spends, with 5X reward points and additional milestone bonuses. In contrast, the Hdfc Biz Black Metal Edition Credit Card offers 5 reward points per Rs.150 spent, mainly focused on business-related categories like grocery, insurance, telecom, and utility, with no accelerated points on general spends. Therefore, for individuals seeking versatile and accelerated rewards on lifestyle and travel spends, the Eterna card is more rewarding.
Which is better for travel?
When it comes to travel benefits, the Hdfc Biz Black Metal Edition Credit Card stands out by offering unlimited complimentary access to both domestic and international airport lounges, along with concierge services and golf privileges. The Bank Of Baroda Eterna Mastercard Credit Card provides unlimited complimentary access only to domestic lounges and lacks international lounge access or concierge services. Hence, for frequent travelers who value premium lounge access and additional travel-related perks, the HDFC Biz Black card is better suited.
Which has lower effective cost?
The Bank Of Baroda Eterna Mastercard Credit Card has a significantly lower joining and annual fee of Rs.2499, with an annual fee waiver on spending Rs.2.5 Lakhs. The Hdfc Biz Black Metal Edition Credit Card commands a much higher fee of Rs.10000 with a waiver threshold of Rs.7.5 Lakhs, making it more expensive to maintain. For users mindful of cost and seeking a lower fee structure with achievable waiver criteria, the Eterna card is more economical.
Milestone Benefits
The Bank Of Baroda Eterna card offers milestone reward points on spending Rs.50,000 and Rs.5,00,000, providing tangible rewards for regular usage. The Hdfc Biz Black card provides high-value vouchers on spending Rs.5,00,000 and Rs.20,00,000 annually, which may appeal to high spenders seeking premium lifestyle benefits.
Reward Redemption and Flexibility
The Eterna card allows redeeming reward points for cashback at a rate of 1 point = Rs.0.25, which adds flexibility for users preferring cashback. The HDFC Biz Black card's reward redemption details are not specified in the data and should be verified on the issuer's site.
Who should pick Bank Of Baroda Eterna Mastercard Credit Card?
Consider Bank Of Baroda Eterna Mastercard Credit Card if you want a credit card with accelerated reward points on dining, online, and travel spends, a lower joining and renewal fee, and unlimited domestic lounge access. It is suitable for users looking for a balanced card with good rewards and moderate travel benefits without a high cost of ownership.
Who should pick Hdfc Biz Black Metal Edition Credit Card?
Consider Hdfc Biz Black Metal Edition Credit Card if you are a frequent traveler or business user who values premium benefits such as unlimited domestic and international lounge access, concierge services, golf privileges, and higher spending milestones for exclusive vouchers. This card suits those willing to pay a higher fee for luxury travel perks and business-related rewards.
Frequently Asked Questions
The Bank Of Baroda Eterna Mastercard Credit Card charges Rs.2499 as joining and annual fees with a waiver on spending Rs.2.5 Lakhs annually. The Hdfc Biz Black Metal Edition Credit Card charges Rs.10000 for both joining and renewal with a waiver on spending Rs.7.5 Lakhs annually.
The Hdfc Biz Black Metal Edition Credit Card offers unlimited complimentary access to both domestic and international airport lounges. The Bank Of Baroda Eterna Mastercard Credit Card offers unlimited complimentary access only to domestic airport lounges.
Yes. The Eterna card provides a complimentary Pro Membership of Fitpass valid for 6 months. The HDFC Biz Black card offers welcome benefits including a Rs.5000 Taj Stay voucher.
Both cards charge a forex markup fee of 2% on foreign currency transactions.
The Bank Of Baroda Eterna card offers a 1% fuel surcharge waiver on transactions between Rs.400 and Rs.4000. The Hdfc Biz Black card does not specify any fuel surcharge waivers.
The Hdfc Biz Black Metal Edition Credit Card includes 24/7 concierge services and complimentary golf games with green fee waivers. The Bank Of Baroda Eterna Mastercard Credit Card does not offer concierge or golf benefits.