All BOB Credit Cards devaluation alert

[TechnoFinoTechnoFino is verified member.]

Effective from 15th November, 2022 BOB Financial going to change its reward system for all bob credit cards.
You'll earn 50% less reward for all spends done on special categories.



MCC codes of all special categories are listed below-


Major categories that are excluded-
Rent, utility bill payment, educational fees payment, government fees payment, insurance, supermarket etc.
This is really horrible!

 

[Slayer]

So , accelerated points for eterna are capped at 5000 per month ?
Last month i received appropriate points till 6000 after that no accelerated points , even on Flipkart / Amazon transactions

Yep

 

[Harry1]

Are snapdeal and hpcl cards completely untouched from this devaluation? Even rent payments give normal points without any charges?

 

[ismail]

after findind that my Eterna is useless in rewards i asked them to close the card. The process was smooth and happened over email itself

 

[Ananth]

I dropped a mail to convert my existing BOB Eterna to LTF. They mentioned in reply that for Eterna LTF I need to be BOB Radiance customer. So I asked them to downgrade to LTF Premier/Select card to use for BOB specific offers only. I mentioned that Eterna is not worth as paid card with recent devaluations. Awaiting reply from them on the downgrade status.

 

[Abhishek012]

I dropped a mail to convert my existing BOB Eterna to LTF. They mentioned in reply that for Eterna LTF I need to be BOB Radiance customer. So I asked them to downgrade to LTF Premier/Select card to use for BOB specific offers only. I mentioned that Eterna is not worth as paid card with recent devaluations. Awaiting reply from them on the downgrade status.

You can load money to payzapp wallet and get 3.75% cashback on BOB Eterna CC

Now use payzapp wallet balance to repay your BOB Eterna CC bill. 🙂🙂

 

[Ananth]

You can load money to payzapp wallet and get 3.75% cashback on BOB Eterna CC

Now use payzapp wallet balance to repay your BOB Eterna CC bill. 🙂🙂

I use Axis ACE for all bill payments so getting CB of 5% there. For wallet loads using Amex MRCC on Paytm. So Eterna is useless currently except for any bank offer or movie offer on PayTm movies.

 

[Abhishek012]

I use Axis ACE for all bill payments so getting CB of 5% there. For wallet loads using Amex MRCC on Paytm. So Eterna is useless currently except for any bank offer or movie offer on PayTm movies.

Arey bro you can repayment your bob Eterna credit card bill using payzapp wallet (rotate money and get 3.75% cashback per month).

i m not talking about utility bill payment.

 

[saucy]

I use Axis ACE for all bill payments so getting CB of 5% there. For wallet loads using Amex MRCC on Paytm. So Eterna is useless currently except for any bank offer or movie offer on PayTm movies.

Abhishek meant free money

 

[saucy]

Arey bro you can repayment your bob Eterna credit card bill using payzapp wallet (rotate money and get 3.75% cashback per month).

i m not talking about utility bill payment.

Abhishek Bhai be like....

Kon hai wo jisne free money ko nahi dekha

 

[Ananth]

I dropped a mail to convert my existing BOB Eterna to LTF. They mentioned in reply that for Eterna LTF I need to be BOB Radiance customer. So I asked them to downgrade to LTF Premier/Select card to use for BOB specific offers only. I mentioned that Eterna is not worth as paid card with recent devaluations. Awaiting reply from them on the downgrade status.

Update: Since they are unable to offer Eterna as LTF, I have asked to downgrade the card to Premier LTF. They declined saying that I need to open FD in order to downgrade to Premier LTF. I immedialy escalated the issue to Level-2 escalations@bobfinancial.com saying that I would be closing Eterna card if its not downgraded (I quoted how the recent devaluation made this card useless as paid card). Today received email saying that Eterna has been downgraded to Premier.

 

[Abhishek012]

Update: Since they are unable to offer Eterna as LTF, I have asked to downgrade the card to Premier LTF. They declined saying that I need to open FD in order to downgrade to Premier LTF. I immedialy escalated the issue to Level-2 escalations@bobfinancial.com saying that I would be closing Eterna card if its not downgraded (I quoted how the recent devaluation made this card useless as paid card). Today received email saying that Eterna has been downgraded to Premier.

Downgrade to RuPay Premier CC

You can also use for RuPay CC offers and soon live for UPI Payment.

 

[Ananth]

Downgrade to RuPay Premier CC

You can also use for RuPay CC offers and soon live for UPI Payment.

Yes asked for Rupay but they mentioned Visa pathetic BOB customer care. I again replied to issue me Rupay. Already using Tata Neu Infinity HDFC card for UP payments. So this would add as backup for UPI.

 

[Ananth]

Yes asked for Rupay but they mentioned Visa pathetic BOB customer care. I again replied to issue me Rupay. Already using Tata Neu Infinity HDFC card for UP payments. So this would add as backup for UPI.

They have finally issued me Rupay card

 

[ashishsinghi]

Arey bro you can repayment your bob Eterna credit card bill using payzapp wallet (rotate money and get 3.75% cashback per month).

i m not talking about utility bill payment.

I have two bob cards with 70 k limit..Also have hdfc with 7.7 lakhs..How can i get bob eterna

 

[Deathsnatcher]

BOB select is which variant visa? or something else?
i am kind of confused isnt that select rupay?

 

[hks789]

BOB select is which variant visa? or something else?
i am kind of confused isnt that select rupay?

The one I had was Visa Platinum

 

[It_is_Naruto]

BOB select is which variant visa? or something else?
i am kind of confused isnt that select rupay?

It is a separate Card, not at all related to that Rupay Select variant. I had it as Visa till last month.

 

[Harry1]

Does anyone have the original pdf copy of this devaluation?

 

[helloworld]

Does anyone have the original pdf copy of this devaluation?

https://www.bobfinancial.com/documents/REVISIONINTARIFFOFCHARGES&PRODUCT%20FEATURE%20w.e.f15th%20November%202022.pdf

Found in some website.

 

[Harry1]

https://www.bobfinancial.com/documents/REVISIONINTARIFFOFCHARGES&PRODUCT%20FEATURE%20w.e.f15th%20November%202022.pdf

Found in some website.

Great, I spent lot of time to get this. But couldn't find. Thanks.