Bank Of Baroda Eterna Mastercard Credit Card vs IndusInd Legend Mastercard Credit Card: Which is Better in 2026?
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| Key facts | BOB Eterna | IndusInd Legend |
|---|---|---|
| Annual fee | ₹2,499 | Not listed |
| Joining fee | ₹2,499 | Not listed |
| Annual fee waived | On ₹2.5 lakh annual spend | Not listed |
| Lounge access | Unlimited domestic lounge access | Not listed |
| Forex markup | 2% | Not listed |
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 offers a structured rewards program with accelerated points on dining, online, and travel spends, along with complimentary domestic airport lounge access. In contrast, the Indusind Legend Mastercard Credit Card does not provide publicly available details on fees, rewards, or lounge benefits, making direct comparison challenging. Prospective users should consider the clear benefits and fees of the Bank Of Baroda card versus the unknowns of the Indusind Legend card.
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 | Indusind Legend Mastercard Credit Card |
|---|---|---|
| Bank | Bank Of Baroda | IndusInd Bank |
| Network | MasterCard | MasterCard |
| Joining fee | Joining Fee of Rs.2499 | — |
| Annual / renewal fee | Annual Fee of Rs.2499 | — |
| 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 | — |
| 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 | — |
Which is better for rewards?
The Bank Of Baroda Eterna Mastercard Credit Card clearly leads in rewards with 3 reward points per Rs.100 spent and accelerated 5X points on dining, online, travel, and international spends, plus milestone bonuses. The Indusind Legend Mastercard Credit Card lacks any disclosed rewards program or benefits, making it less attractive for those seeking rewards. Therefore, for rewards-focused users, the Bank Of Baroda card is the better option.
Which is better for travel?
For travel benefits, the Bank Of Baroda Eterna Mastercard Credit Card provides unlimited complimentary access to domestic airport lounges, which adds value for frequent domestic travelers. There is no information on international lounge access or travel-related perks for the Indusind Legend Mastercard Credit Card. Given this, the Bank Of Baroda card is more suitable for travel enthusiasts who value lounge access and accelerated travel rewards.
Which has lower effective cost?
The Bank Of Baroda Eterna Mastercard Credit Card has a joining and annual fee of Rs.2499 each, with an annual fee waiver on spending Rs.2.5 Lakhs. The Indusind Legend Mastercard Credit Card does not have any fee information available, which may indicate either a no-fee card or undisclosed fees. Without clear fee details for the Indusind card, the Bank Of Baroda card's fee structure is transparent but moderate, with a waiver condition that may suit high spenders.
Fee Transparency and Waivers
The Bank Of Baroda Eterna Mastercard Credit Card clearly states its joining and annual fees along with a waiver condition based on annual spending, providing transparency. The Indusind Legend Mastercard Credit Card does not disclose any fee or waiver information, which may require direct inquiry with the bank.
Reward Redemption Flexibility
Bank Of Baroda's card allows redemption of reward points for cashback at a rate of 1 point = Rs.0.25, giving cardholders flexibility in how they use their rewards. No such information is available for the Indusind Legend Mastercard Credit Card.
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 a clear and rewarding points system, including accelerated rewards on dining, online, and travel spends, plus domestic lounge access. It is suitable for users who can meet the fee waiver threshold and want tangible travel and lifestyle benefits.
Who should pick Indusind Legend Mastercard Credit Card?
Consider Indusind Legend Mastercard Credit Card if you prefer a credit card with potentially lower or no fees, or if you want to explore options beyond the publicly disclosed benefits. However, since detailed benefits are not available, it is advisable to check with the issuer for full terms before deciding.
Frequently Asked Questions
The joining fee is Rs.2499.
Yes, the annual fee of Rs.2499 is waived if you spend Rs.2.5 Lakhs in a year.
The Bank Of Baroda Eterna Mastercard Credit Card offers unlimited complimentary domestic airport lounge access. No lounge benefits are disclosed for the Indusind Legend Mastercard Credit Card.
It offers 3 reward points per Rs.100 spent and accelerated 5X points on dining, online, travel, and international spends, along with milestone bonuses.
No fee information is publicly available for the Indusind Legend Mastercard Credit Card; checking with the issuer is recommended.
Yes, reward points can be redeemed for cashback at a rate of 1 reward point equal to Rs.0.25.