Bank Of Baroda Eterna Mastercard Credit Card vs Sbi Card Prime Visa Signature Credit Card: Which is Better in 2026?
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The Bank Of Baroda Eterna Mastercard Credit Card and the Sbi Card Prime Visa Signature Credit Card offer distinct benefits tailored to different spending habits. While both cards have their strengths, the choice between them will depend on your lifestyle and spending preferences.
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 | Sbi Card Prime Visa Signature Credit Card |
|---|---|---|
| Bank | Bank Of Baroda | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.2499 | — |
| Annual / renewal fee | Annual Fee of Rs.2499 | Annual Fee of Rs.2999 |
| Annual fee waiver | Spend Rs.2.5 Lakhs For Annual Fee Waiver | Spend Rs.3 Lakhs For Waiver of Renewal Fee |
| Reward rate (headline) | Earn 5X Reward Points on Travel and International spends | Earn 10 Reward Points on Dining |
| Lounge — domestic | Unlimited Complimentary Access to Domestic Airport lounges | 8 Complimentary Airport Lounge Access Per Calendar Year |
| Lounge — international | — | Enjoy 4 Complimentary International Lounge Visits |
| Welcome benefit | Welcome Benefit - Complimentary Pro Membership of Fitpass | Welcome E-Gift Voucher Rs.3000 |
| 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 Sbi Card Prime Visa Signature Credit Card is more rewarding for dining and grocery purchases, offering 10 Reward Points on these categories, compared to the Bank Of Baroda Eterna Mastercard Credit Card, which provides 5X Reward Points primarily on travel and international spends. Additionally, the Sbi Card includes a birthday benefit that enhances its rewards potential. Overall, for those focused on maximizing rewards across varied categories, the Sbi Card is the better option.
Which is better for travel?
The Bank Of Baroda Eterna Mastercard Credit Card excels in travel-related benefits, providing unlimited complimentary access to domestic airport lounges. In contrast, the Sbi Card Prime offers limited lounge access, with 8 domestic visits and 4 international visits per year. For frequent travelers, the Eterna Mastercard's lounge access may be more appealing, making it the preferred choice for travel enthusiasts.
Which has lower effective cost?
Both cards have similar annual fees, with the Bank Of Baroda Eterna Mastercard Credit Card charging Rs.2499 and the Sbi Card Prime Visa Signature Credit Card at Rs.2999. However, the fee waiver conditions differ, with the Eterna card requiring a spend of Rs.2.5 Lakhs, while the Sbi card requires Rs.3 Lakhs. Thus, the effective cost could be lower for the Eterna card if you can meet the spending threshold.
Who should pick Bank Of Baroda Eterna Mastercard Credit Card?
Consider Bank Of Baroda Eterna Mastercard Credit Card if you frequently travel and wish to benefit from unlimited domestic lounge access and earn significant rewards on travel and international spends. This card is particularly suited for those who prioritize travel-related perks.
Who should pick Sbi Card Prime Visa Signature Credit Card?
Consider Sbi Card Prime Visa Signature Credit Card if you want to maximize rewards on dining and grocery purchases, as well as enjoy a welcome voucher. This card is ideal for individuals who spend heavily in these categories and appreciate additional perks like birthday rewards.
Frequently Asked Questions
The joining fee is Rs.2499.
The Sbi Card Prime offers 8 complimentary domestic lounge accesses and 4 international lounge visits per year.
The forex markup is 2% on foreign currency transactions.
The welcome benefit is a Rs.3000 E-Gift Voucher.