Bank Of Baroda Eterna Mastercard Credit Card vs Icici Bank Amazon Pay Visa Credit Card: Which is Better in 2026?
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The Bank Of Baroda Eterna Mastercard Credit Card and the ICICI Bank Amazon Pay Visa Credit Card cater to different user needs. The Eterna card focuses on travel and dining rewards with a premium fee structure, while the Amazon Pay card offers no fees and cashback primarily on Amazon and utility bill payments. Both cards have distinct forex charges and lounge access benefits that suit varied spending habits.
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 | Icici Bank Amazon Pay Visa Credit Card |
|---|---|---|
| Bank | Bank Of Baroda | ICICI Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.2499 | No Joining Fees |
| Annual / renewal fee | Annual Fee of Rs.2499 | No Annual Fee |
| Annual fee waiver | Spend Rs.25000 For Joining Fee Waiver | — |
| Reward rate (headline) | Earn 3 Reward Points per Rs.100 | — |
| Lounge — domestic | Unlimited Complimentary Access to Domestic Airport lounges | — |
| Welcome benefit | Welcome Benefit - Complimentary Pro Membership of Fitpass | Amazon Gift Coupon - 20% Back Upto Rs.100 on Electricity Bill For Non Prime Members |
| 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 | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Bank Of Baroda Eterna Mastercard Credit Card offers a robust rewards program with 3 reward points per Rs.100 spent and accelerated 5X points on travel, dining, online, and international spends, along with milestone bonuses. In contrast, the ICICI Bank Amazon Pay Visa Credit Card does not provide traditional reward points but focuses on cashback via Amazon gift coupons on various bill payments and recharges. For users seeking versatile rewards across categories, the Eterna card is better, whereas frequent Amazon users may prefer the Amazon Pay card's cashback offers.
Which is better for travel?
For travel-related benefits, the Bank Of Baroda Eterna Mastercard Credit Card is superior, offering unlimited complimentary access to domestic airport lounges and accelerated reward points on travel and international spends. The ICICI Bank Amazon Pay Visa Credit Card does not provide any lounge access or specific travel rewards, making it less suitable for frequent travelers. Therefore, the Eterna card is more travel-focused and rewarding.
Which has lower effective cost?
The ICICI Bank Amazon Pay Visa Credit Card has a clear advantage in fees with no joining or annual fees, making it a cost-effective option for beginners or low-spending users. The Bank Of Baroda Eterna Mastercard Credit Card charges Rs.2499 as both joining and annual fees, which can be waived by spending Rs.25,000. However, the higher fees are justified by premium benefits like lounge access and accelerated rewards. Users should consider their spending patterns to evaluate the effective cost.
Forex Markup Charges
The Bank Of Baroda Eterna Mastercard Credit Card charges a 2% forex markup on foreign currency transactions, which is lower compared to the ICICI Bank Amazon Pay Visa Credit Card's 3.5%. This makes the Eterna card more cost-effective for international spending.
Welcome Benefits
The Eterna card offers a complimentary Pro Membership of Fitpass as a welcome benefit, adding lifestyle value. The Amazon Pay card provides multiple Amazon gift coupons with varying cashback percentages on bill payments and recharges, benefiting frequent Amazon users.
Who should pick Bank Of Baroda Eterna Mastercard Credit Card?
Consider Bank Of Baroda Eterna Mastercard Credit Card if you prioritize travel and dining rewards, want unlimited domestic lounge access, and are comfortable paying a premium annual fee for milestone bonuses and accelerated reward points. This card suits frequent travelers and users who can leverage its rewards and benefits to offset the fees.
Who should pick Icici Bank Amazon Pay Visa Credit Card?
Consider ICICI Bank Amazon Pay Visa Credit Card if you prefer a no-fee credit card with cashback benefits focused on Amazon purchases and utility bill payments. This card is ideal for beginners or users who want to avoid annual fees and are regular Amazon shoppers looking for cashback on everyday expenses.
Frequently Asked Questions
The ICICI Bank Amazon Pay Visa Credit Card has no joining or annual fees, while the Bank Of Baroda Eterna Mastercard Credit Card charges Rs.2499 for both, with a waiver on spending Rs.25,000.
Yes, the Bank Of Baroda Eterna Mastercard Credit Card provides unlimited complimentary access to domestic airport lounges. The ICICI Bank Amazon Pay Visa Credit Card does not offer lounge access.
The Eterna card has a lower forex markup of 2% compared to 3.5% on the Amazon Pay card, and it also offers 5X reward points on international spends, making it better for international usage.
Only the Bank Of Baroda Eterna Mastercard Credit Card offers milestone rewards, including 20,000 bonus points on spending Rs.500,000 and 10,000 bonus points on spending Rs.50,000 within 60 days.
The ICICI Bank Amazon Pay Visa Credit Card offers Amazon gift coupons as cashback on various bill payments and recharges, with different cashback percentages and caps depending on the transaction and Prime membership status.