Bank Of Baroda Eterna Mastercard Credit Card vs Kotak Zen Visa Signature Credit Card: Which is Better in 2026?
vs
In short: Kotak Zen has the lower annual fee (₹1,500 vs ₹2,499); BOB Eterna includes unlimited domestic lounge access, Kotak Zen 8 airport lounge visits a year; BOB Eterna has the lower forex markup (2% vs 3.5%).
| Key facts | BOB Eterna | Kotak Zen |
|---|---|---|
| Annual fee | ₹2,499 | ₹1,500 |
| Joining fee | ₹2,499 | ₹1,500 |
| Annual fee waived | On ₹2.5 lakh annual spend | On ₹1.5 lakh annual spend |
| Lounge access | Unlimited domestic lounge access | 8 airport lounge visits a year |
| 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 Kotak Zen Visa Signature Credit Card both offer distinct rewards and travel benefits tailored to different spending habits. Bank Of Baroda's card emphasizes accelerated reward points on travel, dining, and online spends with unlimited domestic lounge access. Kotak Zen provides a more modest lounge access count including international lounges and focuses on shopping rewards with a lower fee structure. Both cards have milestone bonuses but differ in fee waivers and forex charges.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Bank Of Baroda Eterna Mastercard Credit Card | Kotak Zen Visa Signature Credit Card |
|---|---|---|
| Bank | Bank Of Baroda | Kotak Mahindra Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.2499 | Joining Fee of Rs.1500 |
| Annual / renewal fee | Annual Fee of Rs.2499 | Annual Fee of Rs.1500 |
| Annual fee waiver | Spend Rs.2.5 Lakhs For Annual Fee Waiver | Second Year Fee Waived Upon Spending Rs.150000 |
| Reward rate (headline) | Earn 3 Reward Points per Rs.100 | Earn 5 Zen Points on Every Rs.150 |
| Lounge — domestic | Unlimited Complimentary Access to Domestic Airport lounges | Enjoy 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | — | Enjoy 3 Complimentary International Lounge Access Per Year |
| Welcome benefit | Welcome Benefit - Complimentary Pro Membership of Fitpass | Welcome Benefit - Get 1500 Zen Points |
| Milestone benefit | Earn 10000 bonus reward points on spending Rs.50000; Earn 20000 bonus reward points on spending Rs.500000 | Earn 7500 Zen Points on Spend of Rs.3 Lakhs; Earn 15000 Zen Points on Spend of Rs.6 Lakhs |
| 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 higher reward rate with 3 points per Rs.100 and 5X points on travel, dining, online, and international spends, which is attractive for users who spend heavily in these categories. Kotak Zen Visa Signature provides 5 Zen Points per Rs.150 generally and 10 Zen Points on shopping, which may appeal more to shoppers but has a lower overall reward rate. Both cards allow redemption at Rs.0.25 per point, but the Eterna card's accelerated categories and milestone bonuses provide better value for diverse spending.
Which is better for travel?
For travel benefits, the Bank Of Baroda Eterna card stands out with unlimited complimentary domestic airport lounge access and 5X reward points on travel and international spends. In contrast, the Kotak Zen card offers limited lounge access with 8 domestic and 3 international visits annually. The Eterna card's unlimited lounge access and higher travel rewards make it more suitable for frequent travelers, while Kotak Zen's international lounge access is a plus for occasional international flyers.
Which has lower effective cost?
Kotak Zen Visa Signature has a lower joining and annual fee of Rs.1500 compared to Bank Of Baroda Eterna's Rs.2499 fee. The fee waiver threshold is also lower for Kotak Zen at Rs.150,000 spend for the second year fee waiver, whereas Eterna requires Rs.2.5 lakhs spend for annual fee waiver. However, the Eterna card charges a lower forex markup of 2% compared to Kotak Zen's 3.5%, which may offset some cost differences for frequent foreign currency transactions.
Forex Charges
Bank Of Baroda Eterna Mastercard Credit Card charges a 2% forex markup, which is lower than Kotak Zen Visa Signature's 3.5%. This makes the Eterna card more cost-effective for frequent international transactions.
Lounge Access Details
Eterna offers unlimited complimentary domestic lounge access but no international lounges, while Kotak Zen provides a limited number of domestic (8) and international (3) lounge visits per year, catering to occasional international travelers.
Fee Waiver Complexity
Eterna requires a higher annual spend of Rs.2.5 lakhs for fee waiver compared to Kotak Zen's Rs.1.5 lakhs for second-year fee waiver, which may influence choice based on expected annual spend.
Who should pick Bank Of Baroda Eterna Mastercard Credit Card?
Consider Bank Of Baroda Eterna Mastercard Credit Card if you prioritize higher rewards on travel, dining, and online spends along with unlimited domestic lounge access. It is well suited for frequent travelers and users who can meet the higher annual spend requirement to waive fees and maximize milestone bonuses.
Who should pick Kotak Zen Visa Signature Credit Card?
Consider Kotak Zen Visa Signature Credit Card if you prefer a lower fee card with a focus on shopping rewards and some international lounge access. It is better suited for moderate spenders looking for a balance of rewards and travel benefits with a lower cost of ownership.
Frequently Asked Questions
Bank Of Baroda Eterna Mastercard Credit Card has a joining and annual fee of Rs.2499, while Kotak Zen Visa Signature Credit Card charges Rs.1500 for both.
Eterna waives the annual fee if you spend Rs.2.5 lakhs in a year, whereas Kotak Zen waives the second-year fee upon spending Rs.1.5 lakhs.
Bank Of Baroda Eterna Mastercard offers 5X reward points on travel and international spends, which is higher than Kotak Zen's standard earn rate.
Yes, Eterna provides unlimited complimentary domestic airport lounge access, while Kotak Zen offers 8 domestic and 3 international lounge visits annually.
Eterna charges a 2% forex markup on foreign currency transactions, whereas Kotak Zen charges 3.5%.
Eterna offers a complimentary Pro Membership of Fitpass as a welcome benefit, while Kotak Zen provides 1500 Zen Points.