Bank of Baroda Eterna vs SBI SimplySAVE Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  Bank of Baroda Eterna Credit CardBank of Baroda5 recent changes → |  SBI SimplySAVE Credit CardState Bank of India4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.75% base, up to 3.75% on dining | 0.17% base, up to 1.67% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 3.75% | 0.17% | |
| Dining and food delivery | 3.75% | 1.67% | |
| Groceries | 0.75% | 1.67% | |
| Travel: flights, hotels, trains | 3.75% | 0.17% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.75% | 0.17% | |
| Rent | 0.75% | Earns nothing | |
| Insurance premiums | 0.75% | 0.17% | |
| School and college fees | 0.75% | 0.17% | |
| Wallet top-ups | Earns nothing | 0.17% | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 3.75% | 0.17% | |
| Everything else | 0.75% | 0.17% | |
| Card identity | |||
| Card typesame | Dining | Dining | |
| Networksame | Visa | Visa | |
| Card tier | Premium | Entry | |
| Fees | |||
| Joining fee | ₹2,499 + GST | ₹499 + GST | |
| Annual fee | ₹2,499 + GST | ₹499 + GST | |
| Fee waived at | ₹2,50,000 | ₹1,00,000 | |
| Eligibility | |||
| Min age | 25 years | - | |
| Max age | 55 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹1,00,000 | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹250 | ₹100 | |
| Lounge access | |||
| Domestic lounge visits | 999 | - | |
| Domestic lounge unlimited | Yes | No | |
| International lounge visits | 0 | - | |
| Lounge condition | Spend Rs 75,000 in the previous quarter for domestic lounge access | - | |
| Forex and international | |||
| Forex markup | 2% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly)same | 3.75% | 3.75% | |
| Interest rate (annual)same | 45% | 45% | |
| Page content | |||
| Documents neededsame | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹3,612
- Fee a year
- - ₹2,949
- You keep
- ₹663
- Rewards a year
- ₹1,320
- Fee a year
- ₹0
- You keep
- ₹1,320
At this spend, SBI SimplySAVE Credit Card comes out ₹657 a year ahead of Bank of Baroda Eterna Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Heavy online shoppers
- Travellers who spend abroad
- High earners wanting a mid-premium card
- First-time card users
- Families with regular grocery bills
- People who eat out often
Watch-Outs
- Shared cap on bonus points each cycle
- Lounge access needs Rs 75,000 quarterly spend
- No points on fuel or wallet loads
- Needs Rs 1 lakh monthly income
- Very low rate outside 10X categories
- Accelerated points are capped monthly
- No lounge access
Card data sourced via CardAdvisor.in (Bank of Baroda Eterna Credit Card, SBI SimplySAVE Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Bank of Baroda Eterna Credit Card or SBI SimplySAVE Credit Card?
SBI SimplySAVE Credit Card. SBI SimplySAVE Credit Card: ₹499; Bank of Baroda Eterna Credit Card: ₹2,499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Bank of Baroda Eterna Credit Card has the lowest forex markup. Bank of Baroda Eterna Credit Card: 2%; SBI SimplySAVE Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: Bank of Baroda Eterna Credit Card 0.75%, SBI SimplySAVE Credit Card 0.17%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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