Bank of Baroda Eterna vs Kotak Zen
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Both cards score 7.9/10 — your spending pattern decides the winner.
| Feature | Bank of Baroda Eterna | Kotak Zen |
|---|---|---|
| CardTrail Score | 7.9/10 | 7.9/10 |
| Annual Fee | ₹2,499 | ₹1,500 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 5% | 3% |
| Forex Markup | 2% | 3.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 2 | 3 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose Bank of Baroda Eterna
- You can meet the fee waiver condition: Spend ₹2.5L/year
- You travel internationally — saves ₹1,500/year on ₹1L forex spend
- You want higher rewards — up to 5% vs 3%
- Your primary spend is: travel, value
When to Choose Kotak Zen
- You can meet the fee waiver condition: Rs. 1.5 lakh annual retail spends
- Your primary spend is: general, value
Forex Cost Comparison
On ₹1,00,000 annual international spending: Bank of Baroda Eterna costs ₹2,360 in forex fees vs Kotak Zen at ₹4,130. You save ₹1,770/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.
To break even on Kotak Zen's ₹1,500 fee at 1% rewards, spend ₹12,500/month.