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BOBCARD Eterna Credit Card vs SBI Cashback Credit Card

Honest side-by-side comparison of BOBCARD Eterna Credit Card, SBI Cashback 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.

BOBCARD Eterna Credit Card

BOBCARD

SBI Cashback Credit Card

SBI Card

Your adjusted comparison

Feature
BOBCARD Eterna Credit Card

BOBCARD Eterna Credit Card

BOBCARD

SBI Cashback Credit Card

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual fee₹2,499₹999
Fee waiver thresholdWaived at ₹2,50,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹50,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹7,860/yr₹5,520/yr
Online shopping₹8,000 → 1,200 pts/mo × ₹0.25/pt = ₹300/mo (₹3,600/yr)₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/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 rate15 points / ₹100 (3.75% at ₹0.25)5%
Primary reward capNo monthly cap published₹2,000 rewards/mo cap
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuelFuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus₹2,500—

Stack mode (hold both)

Cap-aware split: ~₹9,120/yr combined NAV (₹1,260 vs best solo). Both annual fees apply.

BOBCARD Eterna Credit Card details →SBI Cashback Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, BOBCARD Eterna Credit Card leads SBI Cashback Credit Card by about ₹2,340/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 SBI Cashback Credit Card comparison table
FeatureBOBCARD Eterna Credit Card

BOBCARD

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual fee₹2,499₹999
Fee waiver thresholdWaived at ₹2,50,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹50,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹7,860/yr₹5,520/yr
Online shopping₹8,000 → 1,200 pts/mo × ₹0.25/pt = ₹300/mo (₹3,600/yr)₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/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 rate15 points / ₹100 (3.75% at ₹0.25)5%
Primary reward capNo monthly cap published₹2,000 rewards/mo cap
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuelFuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus₹2,500—

Frequently asked questions

Which card has the lower annual fee?
SBI Cashback Credit Card has the lowest annual fee at ₹999.
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?
SBI Cashback 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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