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.

 

[Swastik]

how many ??

Pretty much everything covered by Priority Pass, except maybe a few like arrival lounge T3 DEL, Irish Pub House CCU, etc
But these exceptions are very few,
And lounges that are otherwise not open to most cards like Airr Lounge VTZ is covered by DCB

 

[Himanshuch]

I've got a Onecard from BOB, and I've recently applied for Eterna, let's see how it goes

Is it paid for you or lifetime free ?

 

[Swastik]

Is it paid for you or lifetime free ?

Paid, but can do 2.5L in a yr for fee wavier, no biggy

 

[Gkcards]

unlimited lounge access not just for primary card holders but add-on card holders too. You can get upto 3-4 add-on cards.
primary and add-on card holders can access simultaneously too.

i wish banks start giving addon cards for under 18 years also. dont know if its RBI restriction but seems no one gives

 

[Himanshuch]

Paid, but can do 2.5L in a yr for fee wavier, no biggy

Some people got it as LTF before. Seems that offer is over. Was just checking if LTF is still possible with good CIBIL.

 

[_amit_]

Some people got it as LTF before. Seems that offer is over. Was just checking if LTF is still possible with good CIBIL.

Currently it can be sourced as LTF with Radiance program.

 

[APT]

Currently it can be sourced as LTF with Radiance program.

how to join Radiance program

 

[jetesh]

Pretty much everything covered by Priority Pass, except maybe a few like arrival lounge T3 DEL, Irish Pub House CCU, etc
But these exceptions are very few,
And lounges that are otherwise not open to most cards like Airr Lounge VTZ is covered by DCB

The BOB Eterna credit card also includes that lounge on their list.

 

[Swastik]

how to join Radiance program

30L MAB account

 

[Swastik]

Some people got it as LTF before. Seems that offer is over. Was just checking if LTF is still possible with good CIBIL.

Only through high salary (30L/An) or Radiance account (30L MAB)

 

[Swastik]

i wish banks start giving addon cards for under 18 years also. dont know if its RBI restriction but seems no one gives

You can get your kids debit cards with their own lounge access,
I read a few days back someone opened ICICI account for his kids and added to his own 360 Family Banking, they got Family Titanium Debit cards with their own lounge access

 

[_amit_]

how to join Radiance program

Radiance eligibility:

B

Post in thread 'Regarding BoB radiance requirement'

Mar 29, 2024

Can you help to provide contact of Radiance RM. I wanted to check if Radiance can be given for salary accounts.

No.
There are only 4 way to get radiance

3 cr home loan
25 lakhs auto loan

30 lakhs TRV or casa value

Or high ranking defence officer with Colonel grade or above

Or senior officials with grande GM or above

Or high ranking state or centre employees like ias ips ifs etc

5th way to get radiance is good friendship with branch manager who will get you radiance and it won't be downgraded even if you don't maintain

• Bhagat Singh

• 

Now as the focus it on Eterna LTF rather Radiance, one can try few things.
If someone is already satisfying the above criteria, ask the branch CC guy to apply for Radiance.

• If NTB, visit BoB branch and ask for Radiance program.
• They will say 30L MAB.
• This balance does not need to be there from day one, but the BM should consider it promising. However if you can give 30L within a week, things will move fast.
• Depending on the negotiation, give IP for 5L/10L (10L is what they will usually ask).
• Savings account will be created or if already present will await for upgrade initiation.
• It will take some time, a month (maybe earlier) depending on the BM to process the things to Radiance.
• Once the upgrade happens, apply for Eterna (via branch is relatively better, otherwise BoBCard will ask for Radiance confirmation and you have to ask branch for Finacle screenshot.
• Once you have Eterna, confirm with BoBCard whether its LTF.
• After confirmation, do whatever you wish with the account.

 

[Swastik]

Radiance eligibility:

B

Post in thread 'Regarding BoB radiance requirement'

Mar 29, 2024

Can you help to provide contact of Radiance RM. I wanted to check if Radiance can be given for salary accounts.

No.
There are only 4 way to get radiance

3 cr home loan
25 lakhs auto loan

30 lakhs TRV or casa value

Or high ranking defence officer with Colonel grade or above

Or senior officials with grande GM or above

Or high ranking state or centre employees like ias ips ifs etc

5th way to get radiance is good friendship with branch manager who will get you radiance and it won't be downgraded even if you don't maintain

• Bhagat Singh

• 

Now as the focus it on Eterna LTF rather Radiance, one can try few things.
If someone is already satisfying the above criteria, ask the branch CC guy to apply for Radiance.

• If NTB, visit BoB branch and ask for Radiance program.
• They will say 30L MAB.
• This balance does not need to be there from day one, but the BM should consider it promising. However if you can give 30L within a week, things will move fast.
• Depending on the negotiation, give IP for 5L/10L (10L is what they will usually ask).
• Savings account will be created or if already present will await for upgrade initiation.
• It will take some time, a month (maybe earlier) depending on the BM to process the things to Radiance.
• Once the upgrade happens, apply for Eterna (via branch is relatively better, otherwise BoBCard will ask for Radiance confirmation and you have to ask branch for Finacle screenshot.
• Once you have Eterna, confirm with BoBCard whether its LTF.
• After confirmation, do whatever you wish with the account.

Can existing Eterna be converted to LTF if one gets Radiance account later ?,

My Eterna application is already in process, and I've got no banking relationship with BOB as of now

 

[nh124001]

after hdfc gyftr devaluation bob eterna is going ahead now 🤣

 

[_amit_]

Can existing Eterna be converted to LTF if one gets Radiance account later ?,

My Eterna application is already in process, and I've got no banking relationship with BOB as of now

You may try.
I think they should be able to do it.

The only thing BoBCard currently needs it the proof of Radiance program, for which they require the screenshot of the BoB Finacle app confirming the customer is Radiance.

If they are doing it for new, they should be able to do it for existing.
But I have not known anyone do that, so your case would be the first in my knowledge.

As the application is in progress, wait for the decision. Assuming it gets approved, you can waive of the JF with the welcome offer and later try for Radiance to convert to LTF.

 

[Swastik]

You may try.
I think they should be able to do it.

The only thing BoBCard currently needs it the proof of Radiance program, for which they require the screenshot of the BoB Finacle app confirming the customer is Radiance.

If they are doing it for new, they should be able to do it for existing.
But I have not known anyone do that, so your case would be the first in my knowledge.

As the application is in progress, wait for the decision. Assuming it gets approved, you can waive of the JF with the welcome offer and later try for Radiance to convert to LTF.

Thanks, will use for sometime and then try to ge for Radiance

JF is again not a big deal, 25k spend in month i think, easy

 

[HIMANSHU76888]

how many people can actually fully utilise unlimited domestic lounge access!?, even if one takes around 14 domestic flights a year, then in this case booking 14 domestic flights using bob eterna won't provide any good reward rate, i think it would be better to go for atlas/horizon/dcb even regalia gold yields better reward rate than so called eterna 3.75% (even sbi cashback is giving 5% cashback on paytm and mmt 🤣 )

only positive side of eterna is (i heard it is giving 3.75 on wallet loading also, if it's true then it will get fix very soon).

in my case i use amex plat travel for all my expenses and only use eterna for lounge access. And don't count on that 3.75% cashback on online transaction as an eterna user from past one year 90% of the transactions done online don't give 5x reward points that's why I completely stopped using it and shifted plat travel.

 

[jetesh]

in my case i use amex plat travel for all my expenses and only use eterna for lounge access. And don't count on that 3.75% cashback on online transaction as an eterna user from past one year 90% of the transactions done online don't give 5x reward points that's why I completely stopped using it and shifted plat travel.

I got 5x for ticket bookings

 

[SSV]

Can existing Eterna be converted to LTF if one gets Radiance account later ?,

My Eterna application is already in process, and I've got no banking relationship with BOB as of now

Yes, You can.

This is not for the first time.. People had already done it before..

Plus: I got confirmation from the BOB team about this , when I was trying for Eterna LTF.. ( ie, paid Eterna getting converted to LTF after getting Radiance program at a later stage..)..

Post in thread 'Regarding BoB radiance requirement'

Jul 18, 2024

Yes .. it is LTF for Radiance...
Some said it is a complimentory / some said not.. some say FYF etc .etc...

It is LTF when Applied as a Radiance customer.. Full stop.. you can name this anything...

Later if Radiance drops also, it will be LTF forever... as per the rules as of now..

was already having Eterna. Emailed them the day the account was upgraded. Now they confirmed saying- the card is converted to LTF.

• imdjay

• 

On a seperate note, you can see my Radiance and Eterna journey and a whole lot of other BOB DCs here in this thread.. you can go thru the entire thread for my detailed journey step by step..

Post in thread 'Regarding BoB radiance requirement'

Aug 16, 2024

So you will have to hold 10L in savings account to keep the radiance status?

Please keep us posted

Thanks for sharing the information 🙂 Keep us posted.

There are a lot of new options these days.

One has shared his experience with the IDFC Wealth Debit Card, and the other has shared his experience with the PNB Platinum Credit Card. Someone else in this forum has also shared their experience with the Rupay Select Debit Card.

All these cards were swiped directly at the lounge.

Even bank never asked such questions to me so far for giving credit...

• SSV

• 

 

[_amit_]

Thanks, will use for sometime and then try to ge for Radiance

JF is again not a big deal, 25k spend in month i think, easy

Yep. Also the fact that 50K in 60 days is a good offer for this card atleast.