Which card has the lower annual fee?

HDFC Millennia Credit Card has the lowest annual fee at ₹1,000.

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?

HDFC Millennia Credit Card lists a minimum monthly income of ₹35,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

BOBCARD Eterna Credit Card vs HDFC Millennia Credit Card

Honest side-by-side comparison of BOBCARD Eterna Credit Card, HDFC Millennia 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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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.

Card 1

BOBCARD Eterna Credit Card

BOBCARD

Card 2

HDFC Millennia Credit Card

HDFC Bank

Your adjusted comparison

Feature	BOBCARD Eterna Credit Card BOBCARD	HDFC Millennia Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹2,499	₹1,000
Fee waiver threshold	Waived at ₹2,50,000/yr spend	Waived at ₹1,00,000/yr spend
Min income	₹50,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹7,860/yr	₹3,612/yr
Online shopping	₹8,000 → 1,200 pts/mo × ₹0.25/pt = ₹300/mo (₹3,600/yr)	₹2,400 × 5% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
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	15 points / ₹100 (3.75% at ₹0.25)	5%
Primary reward cap	No monthly cap published	₹1,000 rewards/mo cap
Perks & restrictions
Lounge access	None	Milestone domestic lounge — up to 4/year · No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both)
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Fuel	EMI · Fuel · Rent · Wallet · Government
Bonuses
Signup bonus	₹2,500	₹1,000

Stack mode (hold both)

Cap-aware split: ~₹9,225/yr combined NAV (₹1,365 vs best solo). Both annual fees apply.

BOBCARD Eterna Credit Card details →HDFC Millennia Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, BOBCARD Eterna Credit Card leads HDFC Millennia Credit Card by about ₹4,248/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

BOBCARD Eterna Credit Card vs HDFC Millennia Credit Card comparison table
Feature	BOBCARD Eterna Credit Card BOBCARD	HDFC Millennia Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹2,499	₹1,000
Fee waiver threshold	Waived at ₹2,50,000/yr spend	Waived at ₹1,00,000/yr spend
Min income	₹50,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹7,860/yr	₹3,612/yr
Online shopping	₹8,000 → 1,200 pts/mo × ₹0.25/pt = ₹300/mo (₹3,600/yr)	₹2,400 × 5% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
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	15 points / ₹100 (3.75% at ₹0.25)	5%
Primary reward cap	No monthly cap published	₹1,000 rewards/mo cap
Perks & restrictions
Lounge access	None	Milestone domestic lounge — up to 4/year · No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both)
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Fuel	EMI · Fuel · Rent · Wallet · Government
Bonuses
Signup bonus	₹2,500	₹1,000

Frequently asked questions

Which card has the lower annual fee?: HDFC Millennia Credit Card has the lowest annual fee at ₹1,000.
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?: HDFC Millennia Credit Card lists a minimum monthly income of ₹35,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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