Axis vs Bank of Baroda (BOBCARD) Credit Cards: Axis's Reach Against BOBCARD's New Fees

From 1 September 2026, BOBCARD's Select and Easy cards are no longer lifetime free. The first year costs nothing, then fees of ₹750 and ₹500 apply, waived at modest spend. Axis Bank has the wider range overall, and this pair is lopsided in its favour, but BOBCARD still has a few cards worth knowing.

BOBCARD's changed fee structure

The Select is ₹750, waived at ₹70,000 of spend. The Premier is ₹1,000, waived at ₹1.2 lakh, with one domestic lounge visit a quarter and 2.5% on travel and dining. The Eterna is ₹2,499, waived at ₹2.5 lakh, with unlimited domestic lounge access, a 2% forex markup and 3.75% on travel, dining and online, each capped at ₹1,250 a month. The Easy RuPay is ₹500, waived at ₹35,000.

Those waivers are far easier to hit than Axis's. The Select card's ₹750 fee needs only ₹70,000 of spend, compared with the Axis Select's ₹3,000 fee and ₹8 lakh waiver. BOBCARD leads on how accessible its waivers are.

Mid-premium lounges

The Axis Select is ₹3,000 with two domestic visits a quarter on ₹50,000 spend, up to 12 international visits and a 3.5% forex markup. The Privilege is ₹1,500 with two domestic visits a quarter and no spend condition. BOBCARD's Eterna gives unlimited domestic visits with no international access, for ₹2,499. If you fly only in India, Eterna is cheaper and more generous. For international travel, Axis.

Cashback

BOBCARD's RuPay Cashback is ₹499 and pays 5% on online spend up to ₹1,500 a month, 1% elsewhere. Axis's ACE is also ₹499, with 5% on utilities, 4% on dining and travel and 1.5% on the rest, and the Axis Cashback card is ₹1,000 with 5% on online spend up to ₹4,000 a month. The Flipkart Axis pays 5% on Flipkart up to ₹4,000 a quarter. Axis leads, with higher caps and a better base rate.

Fuel

BOBCARD's HPCL ENERGIE is ₹499 with 6.5% on fuel capped at ₹4,000 a month and four domestic lounge visits a year. Axis's IndianOil card is ₹500 with 4% on fuel, and the Premium version is ₹1,000, 4% up to ₹15,000 a month and two domestic visits a quarter. If you fill at HPCL, BOBCARD's rate is clearly higher. If you use IndianOil, Axis is the only choice of the two.

Travel and miles

BOBCARD's Etihad Guest is ₹2,500 with 8 domestic and 4 international visits and a 1% forex markup, and the Premium is ₹5,000 with 12 and 8 visits and zero forex. Axis's Atlas is ₹5,000 with miles that transfer to partners and a 3.5% markup, and the Miles & More is ₹3,500 with 16 domestic visits and a 2% markup. BOBCARD's Scapia card is free with zero forex. Etihad's Premium is a strong pick for Etihad flyers. For general miles, Axis.

Which to choose

For HPCL drivers and Etihad flyers, BOBCARD's Energie and Eterna are both strong. For general cashback, UPI spending and airline miles, Axis. If you hold a BOBCARD that is now charging a fee, check whether your spend clears the waiver before deciding to switch. A free card is only free if it stays free.

Further reading

The Axis Bank credit cards guide and Bank of Baroda credit cards guide cover everything. For other bank pairings, read SBI vs Axis credit cards.