AU LIT vs Bank of Baroda Eterna
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Bank of Baroda Eterna Credit Card wins 6 of 8 dimensions with a CardTrail Score of 7.9/10 vs 7.2/10.
| Feature | AU LIT | Bank of Baroda Eterna |
|---|---|---|
| CardTrail Score | 7.2/10 | 7.9/10 |
| Annual Fee | Free | ₹2,499 |
| Base Reward Rate | 0.25% | 1% |
| Max Reward Rate | 2.5% | 5% |
| Forex Markup | 3.49% | 2% |
| Domestic Lounges | 4 | 8 |
| International Lounges | 0 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose AU LIT
- You want a lifetime free card with zero annual cost
- Your primary spend is: travel, dining, value
When to Choose Bank of Baroda Eterna
- You can meet the fee waiver condition: Spend ₹2.5L/year
- You travel internationally — saves ₹1,490/year on ₹1L forex spend
- You want higher rewards — up to 5% vs 2.5%
- Airport lounge access matters — 8 domestic visits
Forex Cost Comparison
On ₹1,00,000 annual international spending: AU LIT costs ₹4,118 in forex fees vs Bank of Baroda Eterna at ₹2,360. You save ₹1,758/year with Bank of Baroda Eterna.
Annual Fee Value Analysis
To break even on Bank of Baroda Eterna's ₹2,499 fee at 1% rewards, spend ₹20,825/month.
AU LIT is lifetime free — no break-even needed.