Bank Of Baroda Eterna Mastercard Credit Card vs MakeMyTrip ICICI Bank Signature Credit Card Visa: Which is Better in 2026?
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In short: MakeMyTrip ICICI Signature has the lower annual fee (none vs ₹2,499); BOB Eterna includes unlimited domestic lounge access, MakeMyTrip ICICI Signature 2 airport lounge visits; MakeMyTrip ICICI Signature has the lower forex markup (0.99% vs 2%).
| Key facts | BOB Eterna | MakeMyTrip ICICI Signature |
|---|---|---|
| Annual fee | ₹2,499 | None |
| Joining fee | ₹2,499 | ₹2,500 |
| Annual fee waived | On ₹2.5 lakh annual spend | Not listed |
| Lounge access | Unlimited domestic lounge access | 2 airport lounge visits |
| Forex markup | 2% | 0.99% |
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 Makemytrip Icici Bank Signature Credit Card Visa cater to distinct user needs, with the former focusing on accelerated reward points across multiple categories and unlimited domestic lounge access, while the latter emphasizes travel-related benefits with MakeMyTrip cashback and limited lounge visits. Both cards have similar joining fees but differ in renewal fee structure and forex charges. Choosing between them depends on your spending habits and preference for rewards or travel perks.
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 | Makemytrip Icici Bank Signature Credit Card Visa |
|---|---|---|
| Bank | Bank Of Baroda | ICICI Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.2499 | Joining Fee of Rs.2500 |
| 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 | 2 Complimentary Airport Lounge Access |
| Welcome benefit | Welcome Benefit - Complimentary Pro Membership of Fitpass | Welcome Benefit - Get Rs.1500 MakeMyTrip Cash in My Wallet |
| Milestone benefit | Earn 10000 bonus reward points on spending Rs.50000; Earn 20000 bonus reward points on spending Rs.500000 | Spend Rs.2.5 Lakhs and Earn 1100 My Cash Per Anniversary Year; Spend Rs.5 Lakhs and Earn 4000 My Cash Per Anniversary Year |
| Foreign currency markup | 2% - Foreign Currency Transactions | 0.99% - 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 dining, online, travel, and international spends, along with milestone bonuses. In contrast, the Makemytrip Icici Bank Signature Credit Card Visa does not offer traditional reward points but provides MakeMyTrip 'My Cash' which can be redeemed for travel bookings. For users seeking versatile and higher reward point accrual, the Baroda Eterna card is more rewarding, while the ICICI card suits those focused on MakeMyTrip benefits.
Which is better for travel?
Travel benefits are stronger on the Bank Of Baroda Eterna Mastercard Credit Card, which provides unlimited complimentary access to domestic airport lounges, a significant perk for frequent domestic travelers. The Makemytrip Icici Bank Signature Credit Card Visa offers only 2 complimentary lounge visits, which may be limiting for some. Additionally, the ICICI card includes MakeMyTrip cashback and holiday vouchers, enhancing travel savings but with more restricted lounge access. Overall, the Baroda Eterna card is better for frequent domestic travelers who value lounge access, while the ICICI card is tailored for MakeMyTrip users.
Which has lower effective cost?
The Makemytrip Icici Bank Signature Credit Card Visa has an edge in fees, with a joining fee of Rs.2500 and no annual renewal fee, making it more cost-effective for users who do not want recurring charges. The Bank Of Baroda Eterna Mastercard Credit Card charges Rs.2499 as both joining and annual renewal fees, though the renewal fee can be waived by spending Rs.2.5 lakhs annually. Forex markup is also lower on the ICICI card at 0.99% compared to 2% on the Baroda card, which benefits international spenders. Overall, the ICICI card is better for users prioritizing lower fees and forex costs.
Forex Charges
The Makemytrip Icici Bank Signature Credit Card Visa offers a lower forex markup at 0.99%, which can save money on foreign currency transactions compared to the 2% markup on the Bank Of Baroda Eterna Mastercard Credit Card. This makes the ICICI card more cost-effective for international travelers.
Fee Waiver Conditions
The Bank Of Baroda Eterna Mastercard Credit Card offers an annual fee waiver if you spend Rs.2.5 lakhs in a year, which can reduce the effective cost for high spenders. The Makemytrip Icici Bank Signature Credit Card Visa does not charge an annual fee, eliminating the need for fee waiver conditions.
Who should pick Bank Of Baroda Eterna Mastercard Credit Card?
Consider Bank Of Baroda Eterna Mastercard Credit Card if you want a card with strong reward points earning potential across dining, online, and travel categories, along with unlimited domestic lounge access. It suits frequent domestic travelers and those who can meet milestone spends to earn bonus points. If you prefer a card with accelerated rewards and are comfortable with an annual fee that can be waived with sufficient spend, this card is a practical choice.
Who should pick Makemytrip Icici Bank Signature Credit Card Visa?
Consider Makemytrip Icici Bank Signature Credit Card Visa if you frequently book travel through MakeMyTrip and want benefits like cashback in My Wallet and holiday vouchers. It is also suitable if you prefer a card with no annual renewal fee and lower forex markup for international transactions. This card is ideal for users who value travel-specific perks and want to avoid recurring fees.
Frequently Asked Questions
The Bank Of Baroda Eterna Mastercard Credit Card charges Rs.2499 as joining and annual fees, with an annual fee waiver on spending Rs.2.5 lakhs. The Makemytrip Icici Bank Signature Credit Card Visa has a joining fee of Rs.2500 and no annual renewal fee.
The Bank Of Baroda Eterna Mastercard Credit Card offers unlimited complimentary access to domestic airport lounges, whereas the Makemytrip Icici Bank Signature Credit Card Visa provides only 2 complimentary lounge visits.
The Makemytrip Icici Bank Signature Credit Card Visa charges a forex markup of 0.99%, which is lower than the 2% forex markup charged by the Bank Of Baroda Eterna Mastercard Credit Card.
Yes, the Bank Of Baroda Eterna Mastercard Credit Card offers bonus reward points on spending Rs.50,000 and Rs.5,00,000. The Makemytrip Icici Bank Signature Credit Card Visa provides My Cash rewards on spending Rs.2.5 lakhs and Rs.5 lakhs annually.
The Bank Of Baroda Eterna Mastercard Credit Card offers a complimentary Pro Membership of Fitpass as a welcome benefit. The Makemytrip Icici Bank Signature Credit Card Visa provides Rs.1500 MakeMyTrip Cash in My Wallet and a MakeMyTrip holiday voucher worth Rs.2500.