Side-by-side · honest numbers
Amex Membership Rewards CC vs BOBCARD Eterna Credit Card
Honest side-by-side comparison of Amex Membership Rewards CC, BOBCARD Eterna Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Amex Membership Rewards CC
American Express
BOBCARD Eterna Credit Card
BOBCARD
Your adjusted comparison
| Feature | Amex Membership Rewards CC American Express | BOBCARD Eterna Credit Card BOBCARD |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹4,500 | ₹2,499 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Waived at ₹2,50,000/yr spend |
| Min income | ₹60,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,116/yr | ₹7,860/yr |
| Online shopping | — | ₹8,000 → 1,200 pts/mo × ₹0.25/pt = ₹300/mo (₹3,600/yr) |
| Dining & delivery | — | ₹3,500 → 525 pts/mo × ₹0.25/pt = ₹131.25/mo (₹1,575/yr) |
| Travel | — | ₹3,000 → 450 pts/mo × ₹0.25/pt = ₹112.50/mo (₹1,350/yr) |
| Top reward rate | 2 RP/₹150 | 15 points / ₹100 (3.75% at ₹0.25) |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | Fuel |
| Bonuses | ||
| Signup bonus | ₹4,000 | ₹2,500 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/amex-mrcc-vs-bob-eternaReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, BOBCARD Eterna Credit Card leads Amex Membership Rewards CC by about ₹6,744/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | Amex Membership Rewards CC American Express | BOBCARD Eterna Credit Card BOBCARD |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹4,500 | ₹2,499 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Waived at ₹2,50,000/yr spend |
| Min income | ₹60,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,116/yr | ₹7,860/yr |
| Online shopping | — | ₹8,000 → 1,200 pts/mo × ₹0.25/pt = ₹300/mo (₹3,600/yr) |
| Dining & delivery | — | ₹3,500 → 525 pts/mo × ₹0.25/pt = ₹131.25/mo (₹1,575/yr) |
| Travel | — | ₹3,000 → 450 pts/mo × ₹0.25/pt = ₹112.50/mo (₹1,350/yr) |
| Top reward rate | 2 RP/₹150 | 15 points / ₹100 (3.75% at ₹0.25) |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | Fuel |
| Bonuses | ||
| Signup bonus | ₹4,000 | ₹2,500 |
Frequently asked questions
- Which card has the lower annual fee?
- BOBCARD Eterna Credit Card has the lowest annual fee at ₹2,499.
- Which card earns more on moderate spend?
- BOBCARD Eterna Credit Card leads with an estimated ₹7,860/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- BOBCARD Eterna Credit Card lists a minimum monthly income of ₹50,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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