Synopsis: The AU Ananta Credit Card and the BOB Eterna Credit Card are both good cards for people who like to travel. They give you access to airport lounges and rewards when you travel. They are different in how much they cost every year and what kind of rewards you get.
In order to choose the one that’s best for you, you need to know about more than just the lounge access. AU Ananta Credit Card and the BOB Eterna Credit Card are for people who travel a lot as they give you a lot of benefits like travel discounts and rewards. Each card is a little different and is meant for a different kind of user. If you compare the costs and the rewards and the special perks you get at the airport you can figure out which card is the deal for you.
AU Ananta Credit Card
The AU Ananta Credit Card is AU Small Finance Bank’s premium travel and lifestyle credit card, offering luxury travel, airport, and lifestyle privileges for frequent travellers.
- Joining Fee & Annual Fee of ₹2,000 + GST
- Annual Fee Waiver is available on ₹3,00,000 retail spends done in previous card anniversary year.
- Interest Rate is 3.75% per month.
- Reward Structure: Earn up to 5 Reward Points per ₹100 on Shopping, Dining & Travel spends, Earn up to 50,000 reward points on spending ₹10 Lac in a card anniversary year, Earn 8000 bonus Reward Points on card activation and 1st successful transaction within 30 days of card issuance (1 reward point = ₹0.25).
- Discount: Earn up to 15% instant discount on Amazon fashion, district app & Hotel booking.
- Forex Markup is 3.49%
- Get Complimentary domestic airport Lounge access, with a maximum of 4 per quarter when you spend minimum of Rs. 5000 on flight booking via AU Rewardz
- Best for: Frequent international travellers and premium lifestyle users
To apply for the card, please visit the Official Website
BOB Eterna Credit Card
The BOB Eterna Credit Card is Bank of Baroda’s premium lifestyle credit card that offers travel rewards, airport lounge access, dining privileges, and entertainment benefits at a relatively affordable annual fee.
- Joining Fee & Annual Fee of ₹2,499 + GST
- Annual Fee Waiver is on annual spends of ₹2.5 lakh
- Interest Rate is 3.25% per month till 14th of July 2026 and 3.75% w.e.f 15th of July 2026.
- Reward Structure is 15 Reward Points per ₹100 on dining, travel, and international spends; 3 Reward Points per ₹100 on other eligible spends (1 RP = ₹0.25).
- Get 10000 reward points on spending Rs. 50,000 or more within the first 60 days of card issuance and 20,000 reward points on spending Rs. 5,00,000 or more in the anniversary year.
- Forex Markup is 2%
- Get unlimited domestic airport lounge access at a spend of ₹40000 in the previous calendar quarter.
- Best for: Travellers looking for premium benefits at a lower annual fee
To apply for the card, please visit the Official Website
Reward Value Comparison
Which One is Best for You?
To find which one is best for you, you need to take a look at how you spend your money and what kind of benefits related to travel you like most. If you spend a lot and want travel and lifestyle benefits choose the AU Ananta Credit Card. If you want to earn rewards every day without paying an annual fee choose the BOB Eterna Credit Card.
