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American Express SmartEarn Credit Card vs BOBCARD Eterna Credit Card

Honest side-by-side comparison of American Express SmartEarn Credit Card, 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.

American Express SmartEarn Credit Card

American Express

BOBCARD Eterna Credit Card

BOBCARD

Your adjusted comparison

Feature
American Express SmartEarn Credit Card

American Express SmartEarn Credit Card

American Express

BOBCARD Eterna Credit Card

BOBCARD Eterna Credit Card

BOBCARD

Fees & eligibility
Annual fee₹495₹2,499
Fee waiver thresholdWaived at ₹40,000/yr spendWaived at ₹2,50,000/yr spend
Min income₹25,000/mo₹50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,192/yr₹7,860/yr
Online shopping₹2,400 → 480 pts/mo × ₹0.25/pt = ₹120/mo (₹1,440/yr) · issuer max ₹125/mo₹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 rate10X Membership Rewards15 points / ₹100 (3.75% at ₹0.25)
Primary reward cap₹125 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Insurance · Utilities · EMI · RentFuel
Bonuses
Signup bonus—₹2,500

Stack mode (hold both)

Cap-aware split: ~₹7,920/yr combined NAV (₹60 vs best solo). Both annual fees apply.

American Express SmartEarn Credit Card details →BOBCARD Eterna Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, BOBCARD Eterna Credit Card leads American Express SmartEarn Credit Card by about ₹4,668/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

American Express SmartEarn Credit Card vs BOBCARD Eterna Credit Card comparison table
FeatureAmerican Express SmartEarn Credit Card

American Express

BOBCARD Eterna Credit Card

BOBCARD

Fees & eligibility
Annual fee₹495₹2,499
Fee waiver thresholdWaived at ₹40,000/yr spendWaived at ₹2,50,000/yr spend
Min income₹25,000/mo₹50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,192/yr₹7,860/yr
Online shopping₹2,400 → 480 pts/mo × ₹0.25/pt = ₹120/mo (₹1,440/yr) · issuer max ₹125/mo₹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 rate10X Membership Rewards15 points / ₹100 (3.75% at ₹0.25)
Primary reward cap₹125 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Insurance · Utilities · EMI · RentFuel
Bonuses
Signup bonus—₹2,500

Frequently asked questions

Which card has the lower annual fee?
American Express SmartEarn Credit Card has the lowest annual fee at ₹495.
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?
American Express SmartEarn Credit Card lists a minimum monthly income of ₹25,000.
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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