BOB Easy to Eterna Journey

[ARV]

This post is to describe my journey from Easy to Eterna Credit Card

It began on 21st July 2022. Applied online and esigned the application and completed VKYC same day. Applied C2C from FK AXIS bank card with a limit of 1.5L. Then started a long wait. Home verification was done on 2nd August, radio silence till 9th Aug. I Got approval message on 9th Aug.
Used the below post to find out the card limit on 12th Aug. Tried from 10th Aug but my mobile number was not updated till 12th Aug, thanks to @nitrogenSingh.

How to start using BOB CC even before dispatch

They had offered me only 50K limit.
Now i started thinking should i close the card, as it was LTF decided to keep the card.

Thanks to Technofino community and below link, i got to know i can ask for an upgrade to Eterna as my income was above 12L but was not meeting the criteria for LTF. I was ok with paid Eterna as i can achieve 2.5L spending in a year to waive off annual charges.

Premier to Eterna Upgrade

23rd Aug : Sent mail to conversions@bobfinancial.com with my income documents and bank statement requesting for an upgrade to Eterna
27th Aug: They approved the upgrade and asked to send the signed upgrade form, sent the form same day.
Again silence
30th Aug: Sent a reminder mail, no response
3rd Sep: Sent a reminder mail, marked escalations@bobfinancial.com. No response.
7th Sep: Sent a reminder mail, marked escalations@bobfinancial.com & crm@bobfinancial.com. No response.
12th Sep: Got a message from bluedart for delivery, got the card
No messages or emails from BOB.

Special thanks to @TechnoFino for creating this wonderful community. Some pictures below.














I hope i shared some knowledge and my experience to the community through this post.

 

[anirbanm]

LTF Eterna?

This post is to describe my journey from Easy to Eterna Credit Card

It began on 21st July 2022. Applied online and esigned the application and completed VKYC same day. Applied C2C from FK AXIS bank card with a limit of 1.5L. Then started a long wait. Home verification was done on 2nd August, radio silence till 9th Aug. I Got approval message on 9th Aug.
Used the below post to find out the card limit on 12th Aug. Tried from 10th Aug but my mobile number was not updated till 12th Aug, thanks to @nitrogenSingh.

How to start using BOB CC even before dispatch

They had offered me only 50K limit.
Now i started thinking should i close the card, as it was LTF decided to keep the card.

Thanks to Technofino community and below link, i got to know i can ask for an upgrade to Eterna as my income was above 12L but was not meeting the criteria for LTF. I was ok with paid Eterna as i can achieve 2.5L spending in a year to waive off annual charges.

Premier to Eterna Upgrade

23rd Aug : Sent mail to conversions@bobfinancial.com with my income documents and bank statement requesting for an upgrade to Eterna
27th Aug: They approved the upgrade and asked to send the signed upgrade form, sent the form same day.
Again silence
30th Aug: Sent a reminder mail, no response
3rd Sep: Sent a reminder mail, marked escalations@bobfinancial.com. No response.
7th Sep: Sent a reminder mail, marked escalations@bobfinancial.com & crm@bobfinancial.com. No response.
12th Sep: Got a message from bluedart for delivery, got the card
No messages or emails from BOB.

Special thanks to @TechnoFino for creating this wonderful community. Some pictures below.

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I hope i shared some knowledge and my experience to the community through this post.

 

[ARV]

LTF Eterna?

No Paid

 

[AshishR]

what limit u got for eterna?

 

[ARV]

what limit u got for eterna?

2L

 

[jyotimanb]

This post is to describe my journey from Easy to Eterna Credit Card

It began on 21st July 2022. Applied online and esigned the application and completed VKYC same day. Applied C2C from FK AXIS bank card with a limit of 1.5L. Then started a long wait. Home verification was done on 2nd August, radio silence till 9th Aug. I Got approval message on 9th Aug.
Used the below post to find out the card limit on 12th Aug. Tried from 10th Aug but my mobile number was not updated till 12th Aug, thanks to @nitrogenSingh.

How to start using BOB CC even before dispatch

They had offered me only 50K limit.
Now i started thinking should i close the card, as it was LTF decided to keep the card.

Thanks to Technofino community and below link, i got to know i can ask for an upgrade to Eterna as my income was above 12L but was not meeting the criteria for LTF. I was ok with paid Eterna as i can achieve 2.5L spending in a year to waive off annual charges.

Premier to Eterna Upgrade

23rd Aug : Sent mail to conversions@bobfinancial.com with my income documents and bank statement requesting for an upgrade to Eterna
27th Aug: They approved the upgrade and asked to send the signed upgrade form, sent the form same day.
Again silence
30th Aug: Sent a reminder mail, no response
3rd Sep: Sent a reminder mail, marked escalations@bobfinancial.com. No response.
7th Sep: Sent a reminder mail, marked escalations@bobfinancial.com & crm@bobfinancial.com. No response.
12th Sep: Got a message from bluedart for delivery, got the card
No messages or emails from BOB.

Special thanks to @TechnoFino for creating this wonderful community. Some pictures below.

View attachment 4572


View attachment 4573

View attachment 4574

View attachment 4575

View attachment 4576

View attachment 4577

I hope i shared some knowledge and my experience to the community through this post.

Congratulations! 🎉
You got it faster bruh!😅

For me and some other guys, in the Premier to Eterna thread, we have waited for more than one months from the first email date for the upgrade.

Whatsoever the waiting is worth! 😍

 

[ARV]

Congratulations! 🎉
You got it faster bruh!😅

For me and some other guys, in the Premier to Eterna thread, we have waited for more than one months from the first email date for the upgrade.

Whatsoever the waiting is worth! 😍

Ya True 🙂

 

[Slayer]

I think LTF Eterna is overhyped

LTF Eterna?

 

[jyotimanb]

I think LTF Eterna is overhyped

I too feel the same.
Eterna is one of those cards where you can get the fees waived off too easily. And it makes sense to use that much of little about if you are holding one top tier card.

 

[Slayer]

I too feel the same.
Eterna is one of those cards where you can get the fees waived off too easily. And it makes sense to use that much of little about if you are holding one top tier card.

It would've been challenging if fee waiver was at 5L or something
Where you had to min max the usage of the card (spend 42k every month to get the most value while still getting fee waiver) 😛 😛

 

[pandeyji]

Upgraded my Premier card to eterna. It's on the way.

 

[ARV]

I think LTF Eterna is overhyped

Agree, fee waiver is easy to achieve if you plan your expenses.

 

[hs23]

Whats the best use case for Eterna compared HDFC DCB 3.33% and SBI CB 5%?

 

[ARV]

Whats the best use case for Eterna compared HDFC DCB 3.33% and SBI CB 5%?

Nothing after devaluation, only wallet load if the card allows

 

[hs23]

Nothing after devaluation, only wallet load if the card allows

How about buying gold coins and getting 4.75% cashback on 5L annual purchases?

I heard Eterna we can get on Rupay also.

 

[Enthusiast]

How to get Eterna for LTF?

 

[ARV]

How about buying gold coins and getting 4.75% cashback on 5L annual purchases?

I heard Eterna we can get on Rupay also.

Yes, if you have gold purchase online you can try. I have not purchased gold jewellery online except for gold coin<2g during offers. Do note you get only 5K bonus points in a statement month, spends upto 42.5K.
I don't think they issue eterna on Rupay, only Visa Infinite

 

[ARV]

How to get Eterna for LTF?

BOB has stopped issuing Eterna LTF, if you have good relation with branch you can try through BM

 

[hs23]

Can we get 4.75 return on purchasing gift card from Wahoo / Amazon?

 

[ARV]

Can we get 4.75 return on purchasing gift card from Wahoo / Amazon?

Not sure, never tried. Using SBI CB card now