Bank Of Baroda Eterna Mastercard Credit Card vs Sbi Card Prime Visa Signature Credit Card: Which is Better in 2026?

Which is better for rewards?

Both cards offer strong rewards but with distinct focuses. Bank Of Baroda Eterna Mastercard provides 5X reward points on travel, dining, online, and international spends capped at 5000 points, plus milestone bonus points on high spends. SBI Card Prime Visa Signature offers 10 reward points on dining, groceries, and movies with higher capping limits, and a birthday bonus, but lacks milestone reward points. Depending on your spending pattern, Eterna suits travel and online spenders, while SBI Prime benefits frequent diners and grocery shoppers.

Which is better for travel?

For travel benefits, Bank Of Baroda Eterna Mastercard stands out with unlimited complimentary domestic airport lounge access, which is advantageous for frequent domestic travelers. SBI Card Prime Visa Signature offers 8 domestic and 4 international lounge visits per year, providing some international travel perks but with limited visits. If you prioritize unlimited domestic lounge access and accelerated travel rewards, Eterna is preferable; for some international lounge access and a broader lounge network, SBI Prime is suitable.

Which has lower effective cost?

Bank Of Baroda Eterna Mastercard has a joining and renewal fee of Rs.2499 each, with a joining fee waiver on spending Rs.25000. SBI Card Prime Visa Signature has no joining fee mentioned but charges a Rs.2999 renewal fee, waived on spending Rs.3 lakhs annually. Eterna’s fee waiver threshold is lower, making it more accessible for fee waiver. However, SBI Prime’s higher renewal fee and waiver criteria may suit higher spenders. Both cards offer a 1% fuel surcharge waiver.

Reward Caps and Milestones

Bank Of Baroda Eterna Mastercard offers milestone bonus reward points on spending Rs.50,000 in 60 days and Rs.5,00,000 annually, which can significantly boost rewards for high spenders. SBI Card Prime Visa Signature provides milestone e-gift vouchers worth Rs.7,000 annually on Rs.5 lakhs spend and quarterly vouchers, focusing more on voucher-based rewards rather than points.

Foreign Exchange Markup

Bank Of Baroda Eterna Mastercard charges a 2% forex markup on foreign currency transactions, which is lower compared to SBI Card Prime Visa Signature’s 3.5%. This makes Eterna more cost-effective for international spending.

Who should pick Bank Of Baroda Eterna Mastercard Credit Card?

Consider Bank Of Baroda Eterna Mastercard Credit Card if you seek unlimited domestic lounge access and accelerated reward points on travel, dining, and online spends. It is suitable for users who prefer a lower fee waiver threshold and want milestone bonuses on high spending. This card is ideal for frequent domestic travelers and those who want to maximize rewards on diverse categories including international spends.

Who should pick Sbi Card Prime Visa Signature Credit Card?

Consider Sbi Card Prime Visa Signature Credit Card if you prefer higher reward points on dining, groceries, and movies with generous capping limits, along with some international lounge access. It suits users who can meet a higher renewal fee waiver threshold and value milestone e-gift vouchers for large spends. This card is a good fit for lifestyle spenders who want a mix of rewards and occasional travel lounge benefits.