Side-by-side · honest numbers
Axis Bank SELECT Credit Card vs BOBCARD Eterna Credit Card vs Kotak White Credit Card
Honest side-by-side comparison of Axis Bank SELECT Credit Card, BOBCARD Eterna Credit Card, Kotak White 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
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis Bank SELECT Credit Card
Axis Bank
BOBCARD Eterna Credit Card
BOBCARD
Kotak White Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | Axis Bank SELECT Credit Card Axis Bank | BOBCARD Eterna Credit Card BOBCARD | Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹2,499 | ₹3,000 |
| Fee waiver threshold | ₹8,00,000/yr | Waived at ₹2,50,000/yr spend | ₹5,00,000/yr |
| Min income | ₹50,000/mo | ₹50,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹3,528/yr | ₹7,860/yr | -₹3,420/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 → 40 pts/mo × ₹0.20/pt = ₹8/mo (₹96/yr) | ₹3,000 → 450 pts/mo × ₹0.25/pt = ₹112.50/mo (₹1,350/yr) | ₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr) |
| Top reward rate | 2 EDGE miles/₹150 | 15 points / ₹100 (3.75% at ₹0.25) | 2X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | None | 8 domestic (2/quarter) + 4 international/year (Priority Pass) · Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Fuel | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | — |
Share this comparison
https://cardhungry.com/in/en/compare/axis-select-vs-bob-eterna-vs-kotak-whiteReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, BOBCARD Eterna Credit Card ranks first for estimated net annual value — ahead of Kotak White Credit Card by about ₹11,280/yr.
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 | Axis Bank SELECT Credit Card Axis Bank | BOBCARD Eterna Credit Card BOBCARD | Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹2,499 | ₹3,000 |
| Fee waiver threshold | ₹8,00,000/yr | Waived at ₹2,50,000/yr spend | ₹5,00,000/yr |
| Min income | ₹50,000/mo | ₹50,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹3,528/yr | ₹7,860/yr | -₹3,420/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 → 40 pts/mo × ₹0.20/pt = ₹8/mo (₹96/yr) | ₹3,000 → 450 pts/mo × ₹0.25/pt = ₹112.50/mo (₹1,350/yr) | ₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr) |
| Top reward rate | 2 EDGE miles/₹150 | 15 points / ₹100 (3.75% at ₹0.25) | 2X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | None | 8 domestic (2/quarter) + 4 international/year (Priority Pass) · Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Fuel | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹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?
- Axis Bank SELECT 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.
More Axis Bank SELECT Credit Card comparisons
- Axis Bank SELECT Credit Card vs 811 Dream Different Credit Card
- Axis Bank SELECT Credit Card vs AU Altura Credit Card
- Axis Bank SELECT Credit Card vs AU Altura+ Credit Card
- Axis Bank SELECT Credit Card vs AU LIT Credit Card
- Axis Bank SELECT Credit Card vs AU Zenith Credit Card
- Axis Bank SELECT Credit Card vs American Express Gold Card
- Axis Bank SELECT Credit Card vs American Express Platinum Travel Card
- Axis Bank SELECT Credit Card vs American Express SmartEarn Credit Card
- Axis Bank SELECT Credit Card vs Amex Membership Rewards CC
- Axis Bank SELECT Credit Card vs Axis Bank ACE Credit Card
- Axis Bank SELECT Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank SELECT Credit Card vs Axis Bank Atlas Credit Card