Bank Of Baroda Eterna Mastercard Credit Card vs Paytm HDFC Bank Select Credit Card: Which is Better in 2026?
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In short: Paytm HDFC Select has the lower annual fee (₹1,000 vs ₹2,499); BOB Eterna includes unlimited domestic lounge access, Paytm HDFC Select 8 airport lounge visits a year; BOB Eterna has the lower forex markup (2% vs 3.5%).
| Key facts | BOB Eterna | Paytm HDFC Select |
|---|---|---|
| Annual fee | ₹2,499 | ₹1,000 |
| Joining fee | ₹2,499 | ₹1,000 |
| 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 23 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Bank Of Baroda Eterna Mastercard Credit Card and the Paytm Hdfc Bank Select Credit Card cater to different user preferences with distinct fee structures, reward schemes, and lounge access benefits. The Eterna card offers accelerated reward points on travel, dining, and online spends, along with unlimited domestic lounge access. In contrast, the Paytm HDFC card provides cashback-focused rewards on select platforms and limited domestic lounge visits annually. Both cards have fee waiver conditions but differ in forex markup charges and milestone benefits.
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 | Paytm Hdfc Bank Select Credit Card |
|---|---|---|
| Bank | Bank Of Baroda | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.2499 | Joining Fee of Rs.1000 |
| Annual / renewal fee | Annual Fee of Rs.2499 | Renewal Fee of Rs.1000 |
| Annual fee waiver | Spend Rs.2.5 Lakhs For Annual Fee Waiver | Spend Rs.150000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 3 Reward Points per Rs.100 | — |
| Lounge — domestic | Unlimited Complimentary Access to Domestic Airport lounges | 8 Complimentary Airport Lounge Access Per Year |
| 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 | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The Bank Of Baroda Eterna Mastercard Credit Card is stronger on rewards, offering 3 reward points per Rs.100 spent and 5X points on travel, dining, online spends, and international transactions, plus milestone bonus points. It also allows redemption of points as cashback at a rate of 1 point = Rs.0.25. The Paytm Hdfc Bank Select Credit Card lacks a straightforward points accrual system but provides cashback through CashPoints on specific merchants like Ajio, BigBasket, Uber, and Paytm, with monthly caps. Overall, the Eterna card suits users seeking higher and more versatile reward earning potential.
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 is advantageous for frequent travelers. The Paytm Hdfc Bank Select Credit Card provides only 8 complimentary lounge accesses per year domestically. Neither card offers international lounge access. The Eterna card's accelerated 5X reward points on travel and international spends further enhance its travel appeal compared to the Paytm HDFC card's cashback model.
Which has lower effective cost?
The Paytm Hdfc Bank Select Credit Card is more economical with a joining and renewal fee of Rs.1000 each, waived on Rs.150,000 annual spend. The Bank Of Baroda Eterna Mastercard Credit Card charges Rs.2499 for joining and renewal, waived on Rs.2.5 lakhs spend. Additionally, the Eterna card has a lower forex markup of 2% versus 3.5% on the Paytm HDFC card, which may offset some cost for international spenders. Users should consider their spending patterns to evaluate effective costs.
Forex 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 Paytm Hdfc Bank Select Credit Card. This makes the Eterna card more cost-effective for international spending.
Fee Waiver Thresholds
The Eterna card requires a higher annual spend of Rs.2.5 lakhs to waive the renewal fee compared to Rs.1.5 lakhs for the Paytm HDFC card. Users should consider their typical annual spend to determine which fee waiver condition is more attainable.
Reward Redemption Flexibility
While the Eterna card allows redemption of reward points as cashback at Rs.0.25 per point, the Paytm HDFC card offers multiple redemption options including cashback, travel bookings, airmiles, and product catalogues, providing versatile ways to utilize earned CashPoints.
Who should pick Bank Of Baroda Eterna Mastercard Credit Card?
Consider Bank Of Baroda Eterna Mastercard Credit Card if you prioritize higher reward points on varied categories like travel, dining, and online spends, and value unlimited domestic lounge access. It suits those willing to invest in a higher fee card for richer milestone bonuses and a lower forex markup, especially frequent travelers and reward maximizers.
Who should pick Paytm Hdfc Bank Select Credit Card?
Consider Paytm Hdfc Bank Select Credit Card if you prefer a lower fee credit card with straightforward cashback benefits on popular platforms like Paytm, Ajio, BigBasket, and Uber. It is suitable for users who want limited lounge access and a simpler rewards structure, making it a practical choice for beginners or moderate spenders focused on everyday savings.
Frequently Asked Questions
The Bank Of Baroda Eterna Mastercard Credit Card has a joining and renewal fee of Rs.2499 each, while the Paytm Hdfc Bank Select Credit Card charges Rs.1000 for both joining and renewal.
For the Eterna card, spending Rs.2.5 lakhs annually waives the renewal fee. For the Paytm HDFC card, spending Rs.1.5 lakhs annually waives the renewal fee.
Yes, the Eterna card offers unlimited complimentary domestic airport lounge access, whereas the Paytm HDFC card provides 8 complimentary domestic lounge visits per year. Neither card offers international lounge access.
The Eterna card charges a 2% forex markup on foreign currency transactions, while the Paytm HDFC card charges 3.5%.
The Bank Of Baroda Eterna Mastercard Credit Card offers milestone rewards of 10,000 bonus points on spending Rs.50,000 within 60 days and 20,000 bonus points on spending Rs.5 lakhs annually. The Paytm HDFC card does not list milestone benefits.
The Eterna card offers reward points with accelerated earning on travel, dining, online spends, and international transactions. The Paytm HDFC card provides cashback in the form of CashPoints on select merchants like Paytm, Ajio, BigBasket, and Uber.