vs
In short: BOB Eterna has the lower annual fee (₹2,499 vs ₹2,999); BOB Eterna includes unlimited domestic lounge access, SBI Prime 8 airport lounge visits a year; BOB Eterna has the lower forex markup (2% vs 3.5%).
| Key facts | BOB Eterna | SBI Prime |
|---|---|---|
| Annual fee | ₹2,499 | ₹2,999 |
| Joining fee | ₹2,499 | Not listed |
| Annual fee waived | On ₹2.5 lakh annual spend | On ₹3 lakh annual spend |
| Top reward rate | 5X Reward Points on Dining | 10 Reward Points on Dining |
| Base rewards | 3 Reward Points per ₹100 | 2 Reward Points per ₹100 |
| Lounge access | Unlimited domestic lounge access | 8 airport lounge visits a year |
| Forex markup | 2% | 3.5% |
From issuer benefit data, checked 5 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, BOB Eterna returns about ₹1,700 more a year after annual fees (₹3,600 vs ₹2,400 in rewards).
| Spend profile | BOB Eterna | SBI Prime |
|---|---|---|
| Reward value: top rate / base rate | 3.75% / 0.75% | 2.5% / 0.5% |
| ₹20,000 a month, all general spends | ₹1,800 | ₹1,200 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹3,600 | ₹2,400 |
| Annual fee | ₹2,499 | ₹2,999 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Bank Of Baroda Eterna Mastercard Credit Card and the SBI Card Prime Visa Signature Credit Card both offer compelling rewards and benefits, but they cater to slightly different spending habits and preferences. The Baroda Eterna card focuses on accelerated rewards in dining, travel, and online spends with a moderate annual fee and a fee waiver on spending Rs.2.5 Lakhs. In contrast, the SBI Card Prime offers higher reward points on dining, departmental stores, groceries, and movies, along with welcome vouchers and milestone benefits, but with a higher renewal fee and a fee waiver threshold of Rs.3 Lakhs.
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 |
| Top reward rate | Earn 5X Reward Points on Dining | Earn 10 Reward Points on Dining |
| Base rate (other spends) | Earn 3 Reward Points per Rs.100 | Earn 2 Reward Points per Rs.100 |
| 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 |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Welcome Benefit - Complimentary Pro Membership of Fitpass | Welcome E-Gift Voucher Rs.3000 |
| Milestone benefit | Earn 10000 bonus reward points on spending Rs.50000; Earn 20000 bonus reward points on spending Rs.500000 | E-Gift Vouchers Worth Rs.7000 on Spend of Rs.5 Lakhs; Enjoy Pizza Hut E-Voucher worth Rs.1000 in Calendar Quarter. |
| Foreign currency markup | 2% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
For rewards, the Bank Of Baroda Eterna Mastercard Credit Card provides a better overall value, especially for those who spend heavily on dining, travel, and online categories, earning 5X reward points in these segments compared to SBI Card Prime's 10 reward points per Rs.100 on dining and other select categories. The Baroda card's base rate of 3 reward points per Rs.100 also surpasses SBI Prime's 2 points per Rs.100. At Rs.20,000 monthly spend, the Baroda card yields about Rs.3,600 annually in rewards, compared to Rs.2,400 for SBI Prime, making it more rewarding for general and category-specific spends.
Regarding travel benefits, the Bank Of Baroda Eterna card offers unlimited complimentary access to domestic airport lounges, which can be a significant perk for frequent domestic travelers. SBI Card Prime, on the other hand, provides 8 complimentary domestic lounge visits per year and 4 international lounge visits, offering some international travel comfort but with limited access. The Baroda card also accelerates rewards on travel and international spends, which may appeal more to travelers focused on maximizing rewards alongside lounge access.
In terms of effective cost, the Bank Of Baroda Eterna card has a lower annual fee of Rs.2,499 compared to SBI Card Prime's Rs.2,999. The Baroda card's fee waiver threshold is Rs.2.5 Lakhs, which is slightly more accessible than SBI Prime's Rs.3 Lakhs. Both cards charge a 1% fuel surcharge waiver, but the Baroda card has a lower forex markup fee of 2% versus SBI Prime's 3.5%, making it more cost-effective for foreign currency transactions.
The Bank Of Baroda Eterna card allows redeeming reward points for cashback at a rate of 1 reward point = Rs.0.25, which supports its strong rewards proposition. SBI Card Prime's redemption details are not listed in our data, so check the issuer for specifics.
SBI Card Prime offers a welcome e-gift voucher worth Rs.3000 and milestone e-gift vouchers such as a Pizza Hut voucher worth Rs.1000 each calendar quarter and e-gift vouchers worth Rs.7000 on spending Rs.5 Lakhs annually. The Baroda Eterna card provides a complimentary 6-month Pro Membership of Fitpass and bonus reward points on spending milestones, appealing to fitness enthusiasts and high spenders.
Consider Bank Of Baroda Eterna Mastercard Credit Card if you prefer higher accelerated rewards on dining, travel, and online spends, want unlimited domestic lounge access, and seek a lower forex markup fee. This card suits users who can meet the Rs.2.5 Lakhs annual spend for fee waiver and value bonus reward points milestones for additional rewards.
Consider SBI Card Prime Visa Signature Credit Card if you value a broader range of accelerated rewards including departmental stores, groceries, movies, and dining, and appreciate welcome and milestone e-gift vouchers. This card is suitable if you want some international lounge access and are comfortable with a higher annual fee and a Rs.3 Lakhs fee waiver threshold.
Bank Of Baroda Eterna Mastercard Credit Card has an annual fee of Rs.2,499 with a waiver on spending Rs.2.5 Lakhs annually. SBI Card Prime Visa Signature Credit Card charges Rs.2,999 annually with a waiver on spending Rs.3 Lakhs.
Bank Of Baroda Eterna Mastercard Credit Card offers 5X reward points on dining, while SBI Card Prime Visa Signature Credit Card offers 10 reward points per Rs.100 spent on dining. Considering redemption values, Baroda Eterna provides a higher effective reward rate.
Bank Of Baroda Eterna Mastercard Credit Card offers unlimited complimentary domestic airport lounge access. SBI Card Prime Visa Signature Credit Card provides 8 complimentary domestic lounge visits and 4 international lounge visits per year.
Bank Of Baroda Eterna Mastercard Credit Card charges a 2% forex markup fee on foreign currency transactions, whereas SBI Card Prime Visa Signature Credit Card charges 3.5%.
Bank Of Baroda Eterna Mastercard Credit Card offers a complimentary 6-month Pro Membership of Fitpass as a welcome benefit. SBI Card Prime Visa Signature Credit Card provides a Rs.3000 welcome e-gift voucher.