BOB Eterna is now becoming a most popular choice credit card

[jetesh]

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 compared to other banks’ credit cards in the same segment.
7. And achieving a fee waiver is a breeze !
8. Foreign Exchange Mark-up fee of 2%.
9. Buy 1 Get 1 Free Movie ticket via Paytm
10. Welcome Gift of FitPass Pro Membership worth Rs. 15,000.

 

[sourpai]

Is there a way to directly apply for Eterna Rupay variant? Do we get choice of network while applying?

 

[bonheur]

Is there a way to directly apply for Eterna Rupay variant? Do we get choice of network while applying?

I didn't get one when I applied in September. They sent Visa Infinite by default.

 

[Dazzwilliams]

Is there a way to directly apply for Eterna Rupay variant? Do we get choice of network while applying?

We can select in drop down menu while applying

 

[Abhishek012]

Is there a way to directly apply for Eterna Rupay variant? Do we get choice of network while applying?

Now i heard card network choose option is available.

 

[Abhishek012]

@Abhishek012 What's your take on this?

Discover owns Diners club and Pulse card network.

Discover network mainly available in USA, Canada and i think few South American countries and Caribbean Islands.

Pulse network is ATM network and Debit card network in USA, also available in Mexico, Canada, and Caribbean Islands.

Diners Club is International Card network, Available in outside of North America.

But Interesting fact is that Diners Club Issue in USA and Canada are Diners Club-Mastercard co-branded card, Outside North America Diners Club accepted in all Mastercard global card network.

Now JCB Card network is Japanese Card network. JCB and Discover are separate companies and they are network partners.

Discover Card/Pulse Card/Diners Club Card (Diners club issue outside North America) accepted in Japan through tieup with JCB Card network.

JCB Card accepted in USA through tieup with Discover Card network.

JCB Card accepted in Canada through tieup with Amex Card network (Discover network also available in Canada but in Canada, JCB Card tieup with AMEX Card network).

Besides all this, RuPay network is also accepted in some countries where the JCB or Discover/Diners Club/Pulse card networks are not available, such as Nepal and Bhutan. In those cases, it will accept on the RuPay Global card network.

In some countries, like the UAE, all three networks — Discover/Diners Club/Pulse, JCB, and RuPay — are available. At the POS machine, you will also have the option to choose which network to use for payment.

Before your brain short circuits from all this, let's keep today's knowledge to a minimum. 🤣🤣

 

[cardio_guy]

Everyone has a different opinion about UPI Chargeback.

Some people say that chargebacks are almost impossible in UPI, while others say that chargebacks are easy in UPI.

Look at these two guys @Tejo & @imdjay , saying everywhere that UPI chargeback is impossible. 🤣🤣

On Twitter, there was a guy saying the same thing.

But what is the truth? The truth is that UPI chargebacks are easy, and it has become even easier after the introduction of the UPI UDIR system.

However, bank employees still don't fully know how to process UPI chargebacks correctly. If you escalate the complaint to a higher level, they will definitely do it.

And I've heard about this UPI chargeback problem more often with ICICI Bank and SBI Card.

By the way do you know, 5-6 years ago, if you called ICICI Bank customer care and asked for a RuPay Platinum debit card, only about 1% of the support team knew about it. Today, 5-6 years later, at least 80% to 90% of ICICI Bank customer care knows that ICICI issues RuPay debit cards.

Similarly, some bank employees have no idea about UPI chargebacks.

In fact, even today, if you ask some PSU banks for a chargeback on normal Visa/RuPay/Mastercard transactions, they will ask, 'What is a chargeback?' 🤣🤣

What does UPI chargeback means?

 

[Abhishek012]

What does UPI chargeback means?

Same like card chargeback. 🤣🤣

 

[AllThatStuff]

I received this reply within 30min after I emailed filled in card upgrade form along with documents.
Does it mean my Eterna card is approved??

 

[cc_newbie]

I received this reply within 30min after I emailed filled in card upgrade form along with documents.
Does it mean my Eterna card is approved??

View attachment 72607

Seems like it
If you had a limit of more than 2 lakhs then they process it instantly

 

[Swastik]

Is there a way to directly apply for Eterna Rupay variant? Do we get choice of network while applying?

You can apply directly if you meet income criteria,
And you can choose network between Visa/Rupay/Master

 

[Swastik]

I received this reply within 30min after I emailed filled in card upgrade form along with documents.
Does it mean my Eterna card is approved??

View attachment 72607

Nice, it seems it's much easier to upgrade existing cards than get a new card from BOB

 

[Nishan11]

I applied for eterna network conversion on September 21st , it was approved on 3rd October & received card on 11th October. Statement was generated on 16th & I paid it. Already spent 53k in last couple of days.

 

[AllThatStuff]

I applied for eterna network conversion on September 21st , it was approved on 3rd October & received card on 11th October. Statement was generated on 16th & I paid it. Already spent 53k in last couple of days.

You switched Visa to Rupay or vice-versa??

 

[cardio_guy]

Is BOB eterna rupay card better than tata neu infinity rupay card? (in terms of rewards and benefits)

 

[Nishan11]

You switched Visa to Rupay or vice-versa??

Visa to rupay

 

[Abhishek012]

Is BOB eterna rupay card better than tata neu infinity rupay card? (in terms of rewards and benefits)

Better hona jaruri hai kya ? Apply more and more RuPay credit card.

It doesn't matter you like RuPay or not, Visa credit card has approx 70% market share in India. If more people will switch from Visa card to RuPay card then Visa will offer more card network based offers.

 

[jetesh]

 

[jetesh]

Is BOB eterna rupay card better than tata neu infinity rupay card? (in terms of rewards and benefits)

Y E S ..... anyday

 

[jetesh]

Is BOB eterna rupay card better than tata neu infinity rupay card? (in terms of rewards and benefits)

Y E S ..... anyday

 

[sousnake]

Y E S ..... anyday

for upi spends - tata neu infinity is better, right? 1.5 vs 0.75 % on eterna.
Other wise eterna is better.