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 preferences. The Eterna card focuses on rewarding travel, dining, and online spends with accelerated points and lounge access, while the Amazon Pay card offers no joining or annual fees and emphasizes cashback via Amazon gift coupons. Both cards have distinct forex charges and welcome 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 - 25% Back Upto Rs.550 on Broadband 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 provides a robust rewards program with 3 reward points per Rs.100 spent and 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 offer traditional reward points but provides multiple cashback offers via Amazon gift coupons, which are more targeted towards Amazon and bill payments. For users seeking versatile reward points and milestone benefits, the Eterna card is superior, while those focused on Amazon-related cashback might prefer the Amazon Pay card.
Which is better for travel?
Regarding travel benefits, the Eterna card offers unlimited complimentary access to domestic airport lounges, which can enhance the travel experience significantly. The Amazon Pay card does not provide any lounge access or specific travel-related perks. Additionally, the Eterna card accelerates reward points on travel spends, making it more travel-friendly. Therefore, for frequent travelers, the Eterna card is clearly better suited.
Which has lower effective cost?
In terms of fees, the ICICI Bank Amazon Pay Visa Credit Card has an advantage with no joining or annual fees, making it a cost-effective choice for users who want to avoid upfront and recurring charges. The Bank Of Baroda Eterna Mastercard Credit Card charges a joining and annual fee of Rs.2499 each, though the joining fee can be waived by spending Rs.25000. Users who prefer a no-fee card or have lower spending might find the Amazon Pay card more economical.
Forex Markup Charges
The Bank Of Baroda Eterna Mastercard Credit Card charges a 2% forex markup 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 spends.
Welcome Benefits
The Eterna card offers a complimentary Pro Membership of Fitpass as a welcome benefit, which can be valuable for fitness enthusiasts. The Amazon Pay card provides various Amazon gift coupons as welcome offers, with different cashback percentages and caps depending on Prime membership status and bill types.
Who should pick Bank Of Baroda Eterna Mastercard Credit Card?
Consider Bank Of Baroda Eterna Mastercard Credit Card if you are a frequent traveler or diner looking for accelerated reward points and complimentary domestic lounge access. This card suits users who can leverage milestone bonuses through higher spends and want a comprehensive rewards program. It is ideal if you are comfortable with an annual fee in exchange for premium benefits.
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 cashback primarily through Amazon gift coupons and bill payments. This card is suitable for Amazon shoppers and those who want to avoid joining and annual fees while enjoying targeted cashback offers. It is a good choice for beginners or users with moderate spending who want simple rewards without complex fee structures.
Frequently Asked Questions
The ICICI Bank Amazon Pay Visa Credit Card has no joining or annual fees, whereas the Bank Of Baroda Eterna Mastercard Credit Card charges Rs.2499 for both, with a joining fee waiver available on spending Rs.25000.
Yes, 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 spends.
It offers 3 reward points per Rs.100 spent and 5X reward points on travel, dining, online, and international spends, along with milestone bonus points on reaching certain spend thresholds.
It provides cashback primarily through Amazon gift coupons with varying percentages and caps on bills such as broadband, DTH, postpaid, gas, electricity, prepaid recharge, and Amazon shopping, with differences for Prime and Non-Prime members.
Yes, the Bank Of Baroda Eterna card offers a complimentary Pro Membership of Fitpass, while the ICICI Bank Amazon Pay card provides Amazon gift coupons with cashback on various bill payments and shopping.