Bank Of Baroda Eterna Mastercard Credit Card vs ICICI Bank Amazon Pay Visa Credit Card: Which is Better in 2026?
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In short: ICICI Amazon Pay has the lower annual fee (none vs ₹2,499); BOB Eterna has the lower forex markup (2% vs 3.5%).
| Key facts | BOB Eterna | ICICI Amazon Pay |
|---|---|---|
| Annual fee | ₹2,499 | None |
| Joining fee | ₹2,499 | None |
| Annual fee waived | On ₹2.5 lakh annual spend | Not listed |
| Lounge access | Unlimited domestic lounge access | Not listed |
| Forex markup | 2% | 3.5% |
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 ICICI Bank Amazon Pay Visa Credit Card cater to different user needs. The Eterna card offers strong rewards on dining, online, and travel spends with domestic lounge access, while the Amazon Pay card focuses on Amazon shopping and bill payments with no joining or annual fees. Both cards have distinct forex charges and welcome benefits, making them suitable for different 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.2.5 Lakhs For Annual 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 | 100% Back up to Rs.200 on Amazon Shopping For Prime Members |
| 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 | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Bank Of Baroda Eterna Mastercard Credit Card provides more comprehensive rewards, including 3 reward points per Rs.100 spent and accelerated 5X points on dining, online, travel, and international spends, along with milestone bonuses. In contrast, the ICICI Bank Amazon Pay Visa Credit Card does not offer a traditional reward points system but provides cashback and gift coupons mainly on Amazon and utility bill payments. Therefore, for users seeking versatile and accelerated reward points, the Eterna card is superior, while the Amazon Pay card suits those focused on Amazon-related benefits.
Which is better for travel?
For travel benefits, the Bank Of Baroda Eterna Mastercard Credit Card offers unlimited complimentary access to domestic airport lounges, which can enhance the travel experience. The ICICI Bank Amazon Pay Visa Credit Card does not provide any lounge access or specific travel-related perks. Additionally, the Eterna card rewards travel spends with accelerated points, making it more travel-friendly overall. Users who travel frequently within India may find the Eterna card more valuable for its travel benefits.
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 users who want to avoid upfront and recurring charges. The Bank Of Baroda Eterna Mastercard Credit Card charges a joining and renewal fee of Rs.2499 each, with an annual fee waiver available only after spending Rs.2.5 lakhs. Forex markup fees are lower on the Eterna card at 2% compared to 3.5% on the Amazon Pay card, which may be relevant for international transactions. Overall, the Amazon Pay card is better for users prioritizing low fees, while the Eterna card may justify its fees with rewards and travel perks.
Forex Charges
The Bank Of Baroda Eterna Mastercard Credit Card charges a 2% forex markup fee on foreign currency transactions, which is lower than the 3.5% charged by the ICICI Bank Amazon Pay Visa Credit Card. This makes the Eterna card more cost-effective for international spending.
Welcome Benefits
The Eterna card offers a complimentary Pro Membership of Fitpass valued at Rs.15,000 for six months, which may appeal to fitness-conscious users. The Amazon Pay card provides cashback up to Rs.200 on Amazon shopping for Prime members, focusing on e-commerce benefits.
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 robust rewards across dining, online, and travel spends, along with domestic lounge access. It is suitable for frequent travelers and those who can meet the higher spending thresholds to benefit from milestone bonuses and fee waivers. The card also offers a welcome benefit of Fitpass Pro membership, adding value for fitness enthusiasts.
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 focused on Amazon shopping and utility bill payments with cashback and gift coupon benefits. This card is ideal for Amazon Prime members who shop frequently on Amazon and want to save on bills without worrying about joining or annual fees. It suits users looking for straightforward cashback rewards rather than points accumulation.
Frequently Asked Questions
The Bank Of Baroda Eterna Mastercard Credit Card offers 5X reward points on dining and travel spends, making it better for these categories compared to the ICICI Bank Amazon Pay Visa Credit Card, which primarily offers cashback on Amazon and utility bills.
The ICICI Bank Amazon Pay Visa Credit Card has no joining or annual fees. The Bank Of Baroda Eterna Mastercard Credit Card charges Rs.2499 for joining and renewal, with a fee waiver if you spend Rs.2.5 lakhs annually.
Only the Bank Of Baroda Eterna Mastercard Credit Card offers unlimited complimentary access to domestic airport lounges. The ICICI Bank Amazon Pay Visa Credit Card does not provide lounge access.
The Bank Of Baroda Eterna Mastercard Credit Card has a lower forex markup fee of 2% compared to 3.5% on the ICICI Bank Amazon Pay Visa Credit Card, making it more cost-effective for foreign currency transactions.
The Eterna card provides a complimentary Pro Membership of Fitpass for six months, while the Amazon Pay card offers 100% cashback up to Rs.200 on Amazon shopping for Prime members.