LTF BOB Eterna Credit Card

[jetesh]

BOB is offering the Eterna Credit Card on a Lifetime Free (LTF) basis.



For more details visit: https://www.bobcard.co.in/credit-card-types/eterna

Credit Card features:

J

Thread 'BOB Eterna is now becoming a most Popular Choice Credit Card'

Sep 29, 2024

BOB Eterna credit card has seen a significant rise in demand recently due to several attractive features:

1. With the recent launch of the Rupay network, BOB Eterna is becoming a popular choice in super premium credit card segment.
2. BOB Eterna offers the highest number of lounges.
3. Unlimited Domestic Lounge Access. ( min spends criteria : Rs 40,000 per quarter )
4. International lounge access will also be announced soon.
5. Best Reward Points. 15 rewards points per Rs 100 on online shopping, dining, travel and international spends.
6. Plus, BOB Eterna annual fees are lower...

• jetesh
• bob bob eterna credit card eterna
• Replies: 1,261
• Forum: BOB Cards

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[temp77]

Does getting this card makes sense for someone who already has SBI Cashback? Does Visa Infinite network has some additional benefits?

serves a different purpose this one. i got it only because it's ltf, gives domestic lounge access on fairly low spends, fitpass voucher (didn't get yet), also rupay & jcb might come handy someday... also didn't have any rupay card, so this one is serving there too, although it's only base rewards

 

[sushant4]

I applied offline, how will kyc happen?

i applied offline as well, received one verification call till now

 

[Deepak_9155]

One Of My Friend Applied For the BOB Premier Rupay CC On 8 Nov.
Did The VKYC Same Day !
But He Still doesn't receive any Application Number
He Only Received the CC Application PDF in the Mail
He Is NTB

How can he get CC Application Number?

Just Now He Received This Message!

Approved ! Without Any Verification, Physical Verification!
He Wanted BOB Eterna
But He Got an Offer For BOB Premier, Select, And Easy - Selected Premier LTF
I Think His Annual Income Is Less than 12Lacs(9 Lacs Only), that's why BOB doesn't offer him ETERNA!

 

[sousnake]

i applied offline as well, received one verification call till now

when did you applied & when call came? like no of days after application?

 

[navdeep22]

How did they verify income?

 

[sousnake]

How did they verify income?

For me via agnet, he took salary slip & bank statement.

 

[kmkmahesh]

View attachment 114254

Just Now He Received This Message!

Approved ! Without Any Verification, Physical Verification!
He Wanted BOB Eterna
But He Got an Offer For BOB Premier, Select, And Easy - Selected Premier LTF
I Think His Annual Income Is Less than 12Lacs(9 Lacs Only), that's why BOB doesn't offer him ETERNA!

for me my Annual Income is only 8.5L as take home

How did they verify income?

Only VKYC done, I did not provided any proof of income


Today Morning I received an welcome mail and it shows the Joining Fee Reversal and Annual Fee Reversal attached the screenshot. I called the Customer care regarding this and also asked about the card delivery tracking. They said my Card is LTF and the card is not yet issued also said to wait upto 7-10 days for card. But after 2 hours I received an SMS "Bluedart will deliver your shipment today" and delivery happened around 1.40 PM. Until it got delivered I dont know it is the BOB Card and thinking what I am having the delivery that too from Bluedart.

This is the Highlight at 8.00 PM I received the SMS with the Bluedart AWB number.

Just consider if you received the SMS with ending number of the CARD, you can register to APP and can use it online or TAP. Even Customer Care cannot provide the Tracking details properly which happened to me.

 

[anisharya16]

I already have bob premier, and hpcl LTF, I now see the banner on bob website. If I apply, will I get it or will be rejected?

 

[sushant4]

when did you applied & when call came? like no of days after application?

Took me 2 days for the call, what about you any call verification or physical verification?

 

[navdeep22]

I already have bob premier, and hpcl LTF, I now see the banner on bob website. If I apply, will I get it or will be rejected?

Yes, won't process

 

[epeter07]

Applied online and shows not eligible :-( though have score around 780 and above 1 lakh monthly limit. Should i try offline or no chance for that, any idea?

 

[navdeep22]

Applied online and shows not eligible :-( though have score around 780 and above 1 lakh monthly limit. Should i try offline or no chance for that, any idea?

did they access you bank account via account agrigator?

 

[epeter07]

did they access you bank account via account agrigator?

No, just mobile and pan and I can see a cibil check. No other details were provided.

 

[Giyu-san]

Yes, Thats what I was saying.

we get 3.75% using card no & otp payment method + milestone benefits on both VISA and Rupay

Whereas, on Rupay we get , via UPI 0.75% (not 3.75%) + milestone benefits. which is not available on VISA.

so, Rupay is better in terms on Reward rate atleast.

• Take Visa for international transaction benefits and Visa Infinite offers.
• Take Rupay for UPI on credit card transactions.

Though I find Rupay on UPI quite useless because nearly nobody accepts it. For me I find it much more beneficial to load Amazon Pay wallet using SC Smart card or a debit card and use it for UPI payments. Most of the time Amazon gives around 1% cashback for loading and then coupons for usage. Added advantage is that it is faster than GPay, PhonePe etc. becuase no PIN is required.

 

[navdeep22]

No, just mobile and pan and I can see a cibil check. No other details were provided.

so how did they know your salary

 

[Deepak_9155]

for me my Annual Income is only 8.5L as take home

How much annual income did you enter while applying?

When He Entered Income As - 9 Lacs
Only Offered For BOB Premier, Select, And Easy - Selected Premier All LTF

So He Proceeded With Premier CC And Just With VKYC Approved In 4 Days

 

[epeter07]

so how did they know your salary

Right, so its not salary then. may be then some thing in cibil might have caused it. Like no of existings cards or recent no of enqyiries?

 

[sam1803]

Right, so its not salary then. may be then some thing in cibil might have caused it. Like no of existings cards or recent no of enqyiries?

When you apply for any card you have to put your salary bracket. And it gets reported to cibil too. So they might be taking from there.

 

[jetesh]

For more details visit: https://www.bobcard.co.in/credit-card-types/eterna

 

[sousnake]

Took me 2 days for the call, what about you any call verification or physical verification?

no call till now. You applied offline or online? I applied via agent.