Bank Of Baroda Eterna Mastercard Credit Card vs Standard Chartered EaseMyTrip Credit Card: Which is Better in 2026?
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In short: Standard Chartered EaseMyTrip has the lower annual fee (₹350 vs ₹2,499); BOB Eterna includes unlimited domestic lounge access, Standard Chartered EaseMyTrip 2 airport lounge visits a year; BOB Eterna has the lower forex markup (2% vs 3.5%).
| Key facts | BOB Eterna | Standard Chartered EaseMyTrip |
|---|---|---|
| Annual fee | ₹2,499 | ₹350 |
| Joining fee | ₹2,499 | ₹350 |
| Annual fee waived | On ₹2.5 lakh annual spend | On ₹50,000 annual spend |
| Lounge access | Unlimited domestic lounge access | 2 airport lounge visits a year |
| Forex markup | 2% | 3.5% |
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 Standard Chartered Easemytrip Credit Card cater to different user needs with distinct fee structures, rewards, and travel benefits. Bank Of Baroda's card offers higher reward points with accelerated earnings on dining, online, and travel spends, along with unlimited domestic lounge access. Standard Chartered's Easemytrip card has a lower fee, rewards focused on retail and travel bookings through hotels and airlines, and limited lounge access. Both cards have foreign currency markup fees but differ in rates and fee waiver criteria.
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 | Standard Chartered Easemytrip Credit Card |
|---|---|---|
| Bank | Bank Of Baroda | Standard Chartered Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.2499 | Joining Fee - Rs.350 |
| Annual / renewal fee | Annual Fee of Rs.2499 | Renewal Fee of Rs.350 |
| Annual fee waiver | Spend Rs.2.5 Lakhs For Annual Fee Waiver | Spend Rs.50000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 3 Reward Points per Rs.100 | Earn 2X Reward points on Retail |
| Lounge — domestic | Unlimited Complimentary Access to Domestic Airport lounges | Enjoy 2 Complimentary Domestic 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 | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
For rewards, the Bank Of Baroda Eterna Mastercard Credit Card provides a more lucrative program with 3 reward points per Rs.100 spent and 5X points on dining, online, and travel categories, capped at 5000 points. It also offers milestone bonuses that can significantly boost rewards. In contrast, the Standard Chartered Easemytrip Credit Card offers 2X points on retail and 10X points on standalone hotels and airlines but lacks milestone benefits. The redemption rate is slightly better on the Standard Chartered card (2 points = Rs.0.50) compared to Bank Of Baroda's (1 point = Rs.0.25), but overall, the Bank Of Baroda card is more rewarding for diverse spends.
Which is better for travel?
Travel benefits are stronger with the Bank Of Baroda Eterna Mastercard Credit Card, which offers unlimited complimentary access to domestic airport lounges, enhancing the travel experience for frequent flyers. The Standard Chartered Easemytrip Credit Card provides only two complimentary domestic lounge visits per year, which is more limited. Both cards do not offer international lounge access. Additionally, Bank Of Baroda's card accelerates reward points on travel and international spends, making it more travel-focused, whereas Standard Chartered targets travel bookings specifically through hotels and airlines.
Which has lower effective cost?
The Standard Chartered Easemytrip Credit Card is more beginner-friendly and cost-effective with a joining and renewal fee of Rs.350, which can be waived by spending Rs.50,000 annually. In contrast, the Bank Of Baroda Eterna Mastercard Credit Card has a significantly higher joining and renewal fee of Rs.2499, waived only after spending Rs.2.5 lakhs. The foreign currency markup fee is also lower on the Bank Of Baroda card at 2% compared to 3.5% on the Standard Chartered card. Overall, Standard Chartered's card offers a lower cost of ownership, especially for moderate spenders.
Fee Waiver Threshold
The Bank Of Baroda Eterna Mastercard Credit Card requires a much higher annual spend of Rs.2.5 lakhs to waive the annual fee, compared to Rs.50,000 on the Standard Chartered Easemytrip Credit Card. This makes the Standard Chartered card more accessible for users with moderate spending.
Foreign Exchange Markup
Bank Of Baroda's card charges a 2% forex markup fee on foreign currency transactions, which is lower than the 3.5% charged by Standard Chartered Easemytrip Credit Card. This makes the former 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 are a frequent traveler or spender looking for higher reward points across dining, online, and travel categories, and value unlimited domestic lounge access. This card suits users who can meet the higher spend threshold for fee waiver and want milestone bonuses to maximize rewards.
Who should pick Standard Chartered Easemytrip Credit Card?
Consider Standard Chartered Easemytrip Credit Card if you prefer a low-fee credit card with straightforward rewards on retail and travel bookings, especially if you spend moderately and want an easy-to-waive renewal fee. It is suitable for occasional travelers who can benefit from limited lounge access and prefer a simpler rewards structure.
Frequently Asked Questions
Bank Of Baroda Eterna Mastercard Credit Card charges Rs.2499 as joining and renewal fee, waived on spending Rs.2.5 lakhs annually. Standard Chartered Easemytrip Credit Card charges Rs.350 for joining and renewal, waived on Rs.50,000 annual spend.
Bank Of Baroda Eterna Mastercard Credit Card offers 5X reward points on travel and international spends with milestone bonuses, while Standard Chartered Easemytrip Credit Card offers 10X points on standalone hotel and airline spends.
Yes, but Bank Of Baroda Eterna Mastercard Credit Card offers unlimited complimentary domestic lounge access, whereas Standard Chartered Easemytrip Credit Card offers only two complimentary domestic lounge visits per year. Neither card offers international lounge access.
Bank Of Baroda Eterna Mastercard Credit Card charges a 2% forex markup fee, while Standard Chartered Easemytrip Credit Card charges a higher 3.5% fee on foreign currency transactions.
Bank Of Baroda Eterna Mastercard Credit Card offers a complimentary Pro Membership of Fitpass as a welcome benefit. Standard Chartered Easemytrip Credit Card does not list any welcome benefits.