BOBCARD Eterna vs YES Bank RESERV (2026)
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.
Head to head
| Metric | BOBCARD Eterna | YES Bank RESERV |
|---|---|---|
| Our rank | #31 | #36 |
| Annual fee | ₹2,499 + GST | ₹2,499 + GST |
| Fee waiver | ₹2,50,000 spend | ₹3,00,000 spend |
| Forex markup | 2% + GST — Eterna/Tiara carve-out (most other BOBCARDs 3.5%) | 2% + GST (1.75% before 15-Jun-2026) |
| APR | 3.25%/mo (39%/yr) — Eterna/Tiara carve-out; other BOBCARDs pay 3.75%/mo (45%/yr) | 3.99%/mo (47.88%/yr) — YES standard tier (Marquee's 2.99% is YES Private-only) |
| Effective reward rate | 0.8% | 1.5% |
| Currency | BOBCARD Reward Points | YES Rewardz (YES CC Rewardz) |
| 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) | None published — the lounge stack, not a sign-up bonus, is the pitch |
| Lounge doors opened | 73 of 644 | 129 of 644 |
| Income — salaried | ₹12L+/yr net (official application guidelines) | ~₹18L+/yr reported (community) |
| 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.
It swings with spend: BOBCARD Eterna at ₹1L/month, YES Bank RESERV at ₹3L/month, YES Bank RESERV at ₹5L/month.
Transfer reach
Only YES Bank RESERV
- 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 ₹21,600 — a ₹1,400 gap. At ₹5L/month, YES Bank RESERV nets ₹1,08,000 against ₹95,000 — a ₹13,000 gap. Lounge chasers: YES Bank RESERV opens 129 of 644 tracked doors to BOBCARD Eterna's 73.
Our standing verdicts: BOBCARD Eterna — Keep; YES Bank RESERV — Downgrade. On our board, BOBCARD Eterna sits at #31 to YES Bank RESERV's #36 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →