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Union Bank Nexteria (RuPay Ekaa) vs BOB Etihad Guest

Compare Union Bank Nexteria (RuPay Ekaa) vs BOB Etihad Guest across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

BOB Etihad Guest has the strongest mix of rewards and low fees in this comparison.

Card 1

Union Bank Nexteria (RuPay Ekaa)

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Card 2

BOB Etihad Guest

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.6.0
Union Bank Nexteria RuPay Ekaa
Premium stack10.0

union / RUPAY

Union Bank Nexteria (RuPay Ekaa)

Annual

₹12,499

Return

1%

Lounges

Unlimited

Forex

3.5%

Card summary
  • Union Bank Nexteria (RuPay Ekaa) leans travel and lifestyle with ₹12,499 annual fee, 1% headline return potential, and Unlimited lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹12,499 annual fee.
  • 1% cashback keeps value easy to understand.
  • Unlimited lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Higher ₹25,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details
BOB Etihad Guest - BOB credit card
Balanced value6.0

bob / VISA

BOB Etihad Guest

Annual

₹2,999

Return

3%

Lounges

6

Forex

0%

Card summary
  • BOB Etihad Guest leans travel and lifestyle with ₹2,999 annual fee, 3% headline return potential, and 6 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,999 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 6 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
Union Bank Nexteria (RuPay Ekaa)
BOB Etihad Guest
Fees
Annual fee
₹12,499
₹2,999
Joining fee
₹12,499
₹2,999
Rewards
Cashback rate
1%
1%
Reward rate
1%
3%
Travel
Forex markup
3.5%
0%
Domestic lounges
Unlimited
4
International lounges
Unlimited
2
Benefits
Fuel waiver
No
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹25,00,000
₹8,00,000

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