BOBCARD Eterna vs AU Ananta (2026)
Two small-bank cards, ₹0.25 points each — but Eterna's redeem as flat cashback at 3.75% with unlimited lounges, and Ananta's pay 0.5% behind a ₹99 exit fee. It isn't close.
Head to head
| Metric | BOBCARD Eterna | AU Ananta |
|---|---|---|
| Our rank | #31 | #43 |
| Annual fee | ₹2,499 + GST | ₹2,000 + GST |
| Fee waiver | ₹2,50,000 spend | ₹3,00,000 spend |
| Forex markup | 2% + GST — Eterna/Tiara carve-out (most other BOBCARDs 3.5%) | 3.49% + GST (Ananta sits in AU's bottom forex tier — Zenith+ gets 0.99%, ixigo AU 0%) |
| APR | 3.25%/mo (39%/yr) — Eterna/Tiara carve-out; other BOBCARDs pay 3.75%/mo (45%/yr) | 3.75%/mo (45%/yr) — all AU retail cards except Zenith+ |
| Effective reward rate | 0.8% | 0.5% |
| Currency | BOBCARD Reward Points | AU Reward Points |
| House value | ₹0.25/pt | ₹0.25/pt |
| Welcome benefit | 10,000 bonus points (₹2,500) on ₹50,000 spend within 60 days; lifetime-free for applications through 31 Jul 2026 (standard fee ₹2,499) | 8,000 Reward Points (₹2,000) on activation and first transaction |
| Lounge doors opened | 73 of 644 | 72 of 644 |
| Income — salaried | ₹12L+/yr net (official application guidelines) | not published |
| Income — self-employed | ₹12L+/yr net (official application guidelines) | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. Tune it to your own spend in the calculator.
BOBCARD Eterna out-earns AU Ananta at every spend level we model, from ₹25k to ₹5L a month.
Transfer reach
Only AU Ananta
- Air India Maharaja Club
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, BOBCARD Eterna nets ₹23,000 against ₹20,120 — a ₹2,880 gap. At ₹5L/month, BOBCARD Eterna nets ₹95,000 against ₹50,600 — a ₹44,400 gap. Lounge chasers: BOBCARD Eterna opens 73 of 644 tracked doors to AU Ananta's 72.
Our standing verdicts: BOBCARD Eterna — Keep; AU Ananta — Cancel. On our board, BOBCARD Eterna sits at #31 to AU Ananta's #43 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →