BOBCARD Eterna vs AU Ananta (2026)
AU Ananta vs BOBCARD Eterna: which wins?
₹40,250ranking value a year at ₹3L a month, to BOBCARD Eterna
Skip the duel — the board, ranked → · nothing to sign up for
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.
BOBCARD Eterna out-earns AU Ananta at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 12 compared
Head to head
| BOBCARD Eterna | Metric | AU Ananta |
|---|---|---|
| #51 — wins this row | Our rank | #104 |
| ₹2,499/yr | Fee — joining · annual (+ GST) | ₹2,000/yr — wins this row |
| ₹2,50,000 spend | Fee waiver | ₹3,00,000 spend |
| 2% + GST — Eterna/Tiara/Varunah Premium carve-out (most other BOBCARDs 3.5%) — wins this row | Forex markup | 3.49% + GST (Ananta sits in AU's bottom forex tier — Zenith+ gets 0.99%, ixigo AU 0%) |
| 3.75%/mo (45%/yr) — the gentler Eterna/Tiara 3.25%/mo (39%) carve-out ended 15-Jul-2026; all BOBCARDs now pay the flat rate | APR | 3.75%/mo (45%/yr) — all AU retail cards except Zenith+ |
| 0.8% — wins this row | Headline earn rate | 0.5% |
| BOBCARD Reward Points | Currency | AU Reward Points |
| ₹0.25/pt | House value | ₹0.25/pt |
| 10,000 bonus points (₹2,500) on ₹50,000 spend within 60 days; the lifetime-free offer is still running (standard fee ₹2,499) | Welcome benefit | 8,000 Reward Points (₹2,000) on activation and first transaction within 30 days |
| 72 of 793 — wins this row | Lounge doors opened | 50 of 793 |
| ₹12L+/yr net (official application guidelines) | Income — salaried | not published |
| ₹12L+/yr net (official application guidelines) | Income — self-employed | 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 →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-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. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). 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.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
BOBCARD Eterna leads at all 20 steps, but not by the same amount: ₹1,345 at ₹0.25L a month, ₹3,150 at ₹5L — the gap fans out with spend, widest at ₹0.5L (₹6,440).
BOBCARD Eterna draws above the line, AU Ananta below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | BOBCARD Eterna | AU Ananta | In front |
|---|---|---|---|
| ₹0.25L | ₹4,500 | ₹3,155 | BOBCARD Eterna by ₹1,345 |
| ₹0.5L | ₹14,000 | ₹7,560 | BOBCARD Eterna by ₹6,440 |
| ₹0.75L | ₹18,500 | ₹13,215 | BOBCARD Eterna by ₹5,285 |
| ₹1L | ₹23,000 | ₹20,120 | BOBCARD Eterna by ₹2,880 |
| ₹1.25L | ₹27,500 | ₹22,025 | BOBCARD Eterna by ₹5,475 |
| ₹1.5L | ₹30,125 | ₹23,930 | BOBCARD Eterna by ₹6,195 |
| ₹1.75L | ₹31,813 | ₹25,835 | BOBCARD Eterna by ₹5,978 |
| ₹2L | ₹33,500 | ₹27,740 | BOBCARD Eterna by ₹5,760 |
| ₹2.25L | ₹35,188 | ₹29,645 | BOBCARD Eterna by ₹5,543 |
| ₹2.5L | ₹36,875 | ₹31,550 | BOBCARD Eterna by ₹5,325 |
| ₹2.75L | ₹38,563 | ₹33,455 | BOBCARD Eterna by ₹5,108 |
| ₹3L | ₹40,250 | ₹35,360 | BOBCARD Eterna by ₹4,890 |
| ₹3.25L | ₹41,938 | ₹37,265 | BOBCARD Eterna by ₹4,673 |
| ₹3.5L | ₹43,625 | ₹39,170 | BOBCARD Eterna by ₹4,455 |
| ₹3.75L | ₹45,313 | ₹41,075 | BOBCARD Eterna by ₹4,238 |
| ₹4L | ₹47,000 | ₹42,980 | BOBCARD Eterna by ₹4,020 |
| ₹4.25L | ₹48,688 | ₹44,885 | BOBCARD Eterna by ₹3,803 |
| ₹4.5L | ₹50,375 | ₹46,790 | BOBCARD Eterna by ₹3,585 |
| ₹4.75L | ₹52,063 | ₹48,695 | BOBCARD Eterna by ₹3,368 |
| ₹5L | ₹53,750 | ₹50,600 | BOBCARD Eterna by ₹3,150 |
Transfer reach — 0 vs 0 live routes
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
BOBCARD Eterna · 2 more →
- Accelerated earn capped at 5,000 points/statement cycle (≈₹33k of accelerated spend)
- Offline/general spends earn 0.75%; supermarkets, insurance, education, govt, hospitals, rail/bus/toll and fast food earn ZERO
- No international lounge and no airline/hotel transfer partners — the points are cashback, not miles
AU Ananta · 3 more →
- ₹0.25/point, closed loop — absent from Air India's AU transfer table (Zenith+/Zenith/Vetta convert; Ananta doesn't), ₹99 + GST per redemption
- 0.5% base earn; even the 5X categories pay just 1.25% — and are capped at 5,000 RP a statement cycle
- Lounge visits require ₹5,000 of AU Rewardz flight bookings in the same quarter
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 ₹53,750 against ₹50,600 — a ₹3,150 gap. Lounge chasers: BOBCARD Eterna opens 72 of 793 tracked doors to AU Ananta's 50.
Our standing verdicts: BOBCARD Eterna — Keep; AU Ananta — Cancel. BOBCARD Eterna takes 7 of the 8 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, BOBCARD Eterna or AU Ananta?
BOBCARD Eterna. BOBCARD Eterna takes 7 of the 8 rounds we can score. BOBCARD Eterna out-earns AU Ananta at every spend level we model, from ₹25k to ₹5L a month.
BOBCARD Eterna or AU Ananta — which earns more at ₹3L a month?
At ₹3L a month, BOBCARD Eterna nets ₹40,250 against ₹35,360 — a ₹4,890 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, BOBCARD Eterna or AU Ananta?
AU Ananta — ₹2,000/yr against ₹2,499/yr. BOBCARD Eterna waives its fee at ₹2,50,000 of spend; AU Ananta at ₹3,00,000 of spend.
Which gets you into more airport lounges, BOBCARD Eterna or AU Ananta?
Lounge chasers: BOBCARD Eterna opens 72 of 793 tracked doors to AU Ananta's 50. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: BOBCARD Eterna on 2026-09-03, AU Ananta on 2026-08-01. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against BOBCARD (Bank of Baroda) and AU Small Finance Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 18 of them, each with the day we read it
- official Product page — "Limited Period Lifetime Free Card Offer" still running on 1-Aug-2026 with NO end date printed anywhere on the page (the 31-Jul-2026 date we had carried has)
- official Product Features T&C, 15-Jul-2026 edition — §5.1 already prints the ₹75,000 quarterly lounge gate; Annexure 2 is the door list; 5X capped 5,000 RP/cycle; Eterna points evergreen
- official Key Fact Statement PDF (17-Jul-2026 — replaces the 05-May edition; Eterna APR now the flat 3.75%/mo, 2% forex carve-out intact)
- official Revision addendum announcing the ₹40k → ₹75k quarterly lounge gate; Eterna/Tiara APR 3.25% → 3.75%/mo from 15-Jul-2026
- community CardExpert LTF coverage
- community CardInsider — RuPay variant, UPI at offline rate
- community CardExpert review — Visa/Mastercard/RuPay variants
- official Product page — ₹2,000 charged on activation with no first-year waiver, then waived at ₹3,00,000 of retail spend in the previous anniversary year
- official MITC with Schedule of Charges (7-Jul-2026) — Ananta Annual/Renewal Fee ₹2,000
- official AU bank-wide Key Fact Statement v1.8 (7-Jul-2026) — Ananta ₹2,000 fee, foreign-currency / dynamic & static conversion markup 3.49%
- official Milestone Benefit T&C (1-Mar-2026) — incremental 5k/10k/15k/20k RP at ₹2.5L/₹5L/₹7.5L/₹10L; fuel and cash excluded
- community CardInsider launch coverage
- community CardsWala listing
- community Paisabazaar — notes virtual-card UPI link; network still unpublished
- official Air India — AU conversion table (Zenith+ 1.5:1; Spont/Xcite/Altura Plus/Nomo/Vetta/Zenith/Lit/ABC 6:1; Ananta absent); Partner page live since Jun-2025
- community CardInsider — AU joins Maharaja Club (published 22-Jul-2025, not Jun-2026 as we previously dated it; Ananta absent from the ratio table; honest absence)
- official AU Usage T&C (w.e.f. 10-Apr-2026) — the domestic lounge programme runs on AU's OWN 50+ room list, not a card scheme; ₹50,000 prior-quarter spend gate
- official AU's own domestic lounge list for every card except Zenith+ — 50 rooms in 24 cities (Adani, Encalm, Travel Club, 080, Earth, Primus, Pearl, Blackberry, Airr)