BOBCARD Eterna vs YES Bank RESERV (2026)
YES Bank RESERV vs BOBCARD Eterna: which wins?
₹64,800ranking value a year at ₹3L a month, to YES Bank RESERV
Skip the duel — the board, ranked → · nothing to sign up for
Same ₹2,499 fee, same online-accelerated closed loop — but Eterna pays 3.75% as real statement credit while RESERV's 3% is trapped in a ₹0.25 portal whose only exit is a 15:1 decoy.
It swings with spend: BOBCARD Eterna at ₹1L/month, YES Bank RESERV at ₹3L/month, YES Bank RESERV at ₹5L/month.
Every metric, row by row — 12 compared
Head to head
| BOBCARD Eterna | Metric | YES Bank RESERV |
|---|---|---|
| #51 — wins this row | Our rank | #73 |
| ₹2,499/yr | Fee — joining · annual (+ GST) | ₹2,499/yr |
| ₹2,50,000 spend | Fee waiver | ₹3,00,000 spend |
| 2% + GST — Eterna/Tiara/Varunah Premium carve-out (most other BOBCARDs 3.5%) | Forex markup | 2% + GST (1.75% before 15-Jun-2026; DCC on INR-billed international transactions 1%) |
| 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 | 2.99%/mo (35.88%/yr) — Reserv sits in the YES Private/Marquee premium tier per V18 MITC (Reserv for NRI 2.49%) |
| 0.8% | Headline earn rate | 1.5% — wins this row |
| BOBCARD Reward Points | Currency | YES Rewardz (YES CC Rewardz) |
| ₹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 | None published — the lounge stack, not a sign-up bonus, is the pitch |
| 72 of 793 | Lounge doors opened | 134 of 793 — wins this row |
| ₹12L+/yr net (official application guidelines) | Income — salaried | ~₹18L+/yr reported (community) |
| ₹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.
It swings with spend: BOBCARD Eterna at ₹1L/month, YES Bank RESERV at ₹3L/month, YES Bank RESERV at ₹5L/month.
Where the lead changes hands — a 20-step sweep from ₹0.25L to ₹5L/month
Where the lead changes hands
The lead changes hands at ₹0.5L and ₹1.5L a month: YES Bank RESERV is ahead by ₹900 at ₹0.25L, YES Bank RESERV by ₹54,250 at ₹5L.
BOBCARD Eterna pays one annual spend milestone, at ₹5,00,000 a year, and YES Bank RESERV pays none.
BOBCARD Eterna draws above the line, YES Bank RESERV below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | BOBCARD Eterna | YES Bank RESERV | In front |
|---|---|---|---|
| ₹0.25L | ₹4,500 | ₹5,400 | YES Bank RESERV by ₹900 |
| ₹0.5L | ₹14,000 | ₹10,800 | BOBCARD Eterna by ₹3,200 |
| ₹0.75L | ₹18,500 | ₹16,200 | BOBCARD Eterna by ₹2,300 |
| ₹1L | ₹23,000 | ₹21,600 | BOBCARD Eterna by ₹1,400 |
| ₹1.25L | ₹27,500 | ₹27,000 | BOBCARD Eterna by ₹500 |
| ₹1.5L | ₹30,125 | ₹32,400 | YES Bank RESERV by ₹2,275 |
| ₹1.75L | ₹31,813 | ₹37,800 | YES Bank RESERV by ₹5,987 |
| ₹2L | ₹33,500 | ₹43,200 | YES Bank RESERV by ₹9,700 |
| ₹2.25L | ₹35,188 | ₹48,600 | YES Bank RESERV by ₹13,412 |
| ₹2.5L | ₹36,875 | ₹54,000 | YES Bank RESERV by ₹17,125 |
| ₹2.75L | ₹38,563 | ₹59,400 | YES Bank RESERV by ₹20,837 |
| ₹3L | ₹40,250 | ₹64,800 | YES Bank RESERV by ₹24,550 |
| ₹3.25L | ₹41,938 | ₹70,200 | YES Bank RESERV by ₹28,262 |
| ₹3.5L | ₹43,625 | ₹75,600 | YES Bank RESERV by ₹31,975 |
| ₹3.75L | ₹45,313 | ₹81,000 | YES Bank RESERV by ₹35,687 |
| ₹4L | ₹47,000 | ₹86,400 | YES Bank RESERV by ₹39,400 |
| ₹4.25L | ₹48,688 | ₹91,800 | YES Bank RESERV by ₹43,112 |
| ₹4.5L | ₹50,375 | ₹97,200 | YES Bank RESERV by ₹46,825 |
| ₹4.75L | ₹52,063 | ₹1,02,600 | YES Bank RESERV by ₹50,537 |
| ₹5L | ₹53,750 | ₹1,08,000 | YES Bank RESERV by ₹54,250 |
Transfer reach — 0 vs 1 live routes
Transfer reach
0 shared routes · 0 only BOBCARD Eterna · 1 only YES Bank RESERV — the full partner lists
Only YES Bank RESERV
- Air India Maharaja Club
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
YES Bank RESERV · 2 more →
- YES Rewardz points are ₹0.25 only on portal flights/hotels (capped 2,00,000 points/month); statement credit pays ₹0.10 (1.2% online)
- The lone Maharaja route (15:1, ≈₹0.07/pt) is a decoy — effectively a closed loop
- Domestic lounge access needs ₹1 lakh of spend in the previous quarter
The call
For the ₹1L/month spender, BOBCARD Eterna nets ₹23,000 against ₹21,600 — a ₹1,400 gap. At ₹5L/month, YES Bank RESERV nets ₹1,08,000 against ₹53,750 — a ₹54,250 gap. Lounge chasers: YES Bank RESERV opens 134 of 793 tracked doors to BOBCARD Eterna's 72.
Our standing verdicts: BOBCARD Eterna — Keep; YES Bank RESERV — Downgrade. YES Bank RESERV takes 4 of the 6 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 YES Bank RESERV?
YES Bank RESERV. YES Bank RESERV takes 4 of the 6 rounds we can score. It swings with spend: BOBCARD Eterna at ₹1L/month, YES Bank RESERV at ₹3L/month, YES Bank RESERV at ₹5L/month.
BOBCARD Eterna or YES Bank RESERV — which earns more at ₹3L a month?
At ₹3L a month, YES Bank RESERV nets ₹64,800 against ₹40,250 — a ₹24,550 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 YES Bank RESERV?
They cost the same to get: ₹2,499/yr. BOBCARD Eterna waives its fee at ₹2,50,000 of spend; YES Bank RESERV at ₹3,00,000 of spend.
Which gets you into more airport lounges, BOBCARD Eterna or YES Bank RESERV?
Lounge chasers: YES Bank RESERV opens 134 of 793 tracked doors to BOBCARD Eterna's 72. 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, YES Bank RESERV on 2026-07-26. 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 YES Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 12 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 (2.00% forex markup; 2.99%/mo revolving interest; complimentary international lounge access; "previously known as YES FIRST EXCLUSIVE")
- official MITC PDF — ₹2,499/₹2,499 fees, ₹40k/1-month joining + ₹3L annual waivers; forex 2% w.e.f; 15-Jun-2026 + 1% DCC; APR 2.99% premium tier; 750-RP utility cap
- community CardInsider review
- community TechnoFino — renewal network choice MC/Visa/RuPay
- community CardMaven forum — zero RP on UPI for core RuPay cards