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BOB Eterna is now becoming a most popular choice credit card

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jetesh

TF Legend
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.
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ak_1978 said:
I have checked. Mastercard is better for golf and it offers benefits as I have described above. Cheers
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Currently, Visa offers 74 lounges, while MasterCard offers 62 lounges on their list. Cheers 😉

J

Thread 'Latest list of Airport Lounges : Visa vs MasterCard vs Rupay Cards'

Here is the full and latest list of airport lounges within India by Visa vs MasterCard vs Rupay Cards.

Visa : 75 lounges
MasterCard : 62 lounges
Rupay : 68 lounges ( https://www.rupay.co.in/lounges )


Last Update : 22 Nov 2024
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jack333 said:
Rupay variant is useless. It gives only core reward points of 3 per 100 and no 5x of 15 per 100 and that too with a monthly capping of 500 points on upi
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Sanity prevailed ..Euphoria gone.
Not sure about the exact reward rates though.. as I am not interested in every Rupay variants of every single card.

One or two rupay variant CCs are enough for our use.

I generally feel if any card comes on Rupay means, it got degraded itself..
Rupay is just another network..nothing great about it ..
 
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SSV said:
Sanctity prevailed ..Euphoria gone.
Not sure about the exact reward rates though.. as I am not interested in every Rupay variants of every single card.

One or two rupay variant CCs are enough for our use.

I generally feel if any card comes on Rupay means, it got degraded itself..
Rupay is just another network..nothing great about it ..
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100% agree. Govt must ban Visa/mastercard.

Visa/mastercard is just another network.. nothing great about it ..

When RuPay is available, why we need to use visa/mastercard.

One or two Visa/mastercard variant CCs are enough for our use. Block or convert all Visa/mastercard variant to RuPay.
 
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Abhishek012 said:
100% agree. Govt must ban Visa/mastercard.

Visa/mastercard is just another network.. nothing great about it ..

When RuPay is available, why we need to use visa/mastercard.

One or two Visa/mastercard variant CCs are enough for our use. Block or convert all Visa/mastercard variant to RuPay.
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Bro .... Rupay network cards are still not acceptable worldwide.
 
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jetesh said:
Bro .... Rupay network cards are still not acceptable worldwide.
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That's why i told one or two Visa/mastercard variant CCs are enough for our use.

Almost 99% card transactions in India are domestic.

Choose best Visa cards for international use, Zero forex card also best.

Visa cards is currently best for frequently use international transaction users, Zero Forex Visa prepaid cards also available.

@jetesh By the way some Bahrain POS & ATMs accept RuPay Cards.

Indian travellers transact via their RuPay cards across 515 ATMs and 40K Point of Sale (PoS) terminals in Bahrain - https://www.npci.org.in/PDF/npci/pr...uPay-acceptance-at-ATM-and-POS-in-Bahrain.pdf

Bahrain's BENEFIT will be working with their Member Acquirers to ensure enablement of all NPCI’s Issuer Identification Numbers (IINs)/BINS on all card acceptance channels in BENEFIT’S Network.
 
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Abhishek012 said:
That's why i told one or two Visa/mastercard variant CCs are enough for our use.

Almost 99% card transactions in India are domestic.

Choose best Visa cards for international use, Zero forex card also best.

Visa cards is currently best for frequently use international transaction users, Zero Forex Visa prepaid cards also available.

@jetesh By the way some Bahrain POS & ATMs accept RuPay Cards.

Indian travellers transact via their RuPay cards across 515 ATMs and 40K Point of Sale (PoS) terminals in Bahrain - https://www.npci.org.in/PDF/npci/pr...uPay-acceptance-at-ATM-and-POS-in-Bahrain.pdf

Bahrain's BENEFIT will be working with their Member Acquirers to ensure enablement of all NPCI’s Issuer Identification Numbers (IINs)/BINS on all card acceptance channels in BENEFIT’S Network.
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Tried at the grocery shop this morning, but they didn't accept a RuPay card.

Luckily, I have IDFC Wow and BOB Eterna.
 
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jetesh said:
but 24% information is wrong
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How it is wrong, this card gives 12 burgundy points for each 100 RS spend which can be converted to miles at 5:4 ratio, so default reward rate=4.8%, Flights on travel edge gives 5X-> 4.8*5=24% returns, I am not even considering accor points are valued at 1 point=1.8 rs, So depending on how uses those miles, returns could be even higher, 24% is assumed that even novice can extract this value.
 
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nikhilesh71 said:
How it is wrong, this card gives 12 burgundy points for each 100 RS spend which can be converted to miles at 5:4 ratio, so default reward rate=4.8%, Flights on travel edge gives 5X-> 4.8*5=24% returns, I am not even considering accor points are valued at 1 point=1.8 rs, So depending on how uses those miles, returns could be even higher, 24% is assumed that even novice can extract this value.
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Also, if monthly spend is higher than 1.5 lakhs, the default rate shoots up to 14.4%, But I have not counted that given not everyone would have this high usage every month.
 
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Rupay doesn’t work anywhere and its nonsense to say that its accepted in foriegn countries as its just accepted at very few locations and that too via JCB/Discover network. Even if its accepted by native Rupay, its cumbersome to find those places.

Visa and mastercard should be the major one as you can go to any big or small shop and buy anything, rupay will always leave you hanging dry also the rupay is not future ready and it will die down pretty soon.

Edit: and i dont understand why some people are so hell bent on rupay. Its bad and people should accept it. During my PhD time, DST distributed 150 crores per IIT and IIIT to be used for research (I was CTO for one iHub) and as access to funds they provided RBI bank accounts and Visa/Mastercard based cards for spends as the goal is to sponsor events at various colleges and seminars and conferences and are paid by cards (in india).
 
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peregrine0falcon said:
Rupay doesn’t work anywhere and its nonsense to say that its accepted in foriegn countries as its just accepted at very few locations and that too via JCB/Discover network. Even if its accepted by native Rupay, its cumbersome to find those places.

Visa and mastercard should be the major one as you can go to any big or small shop and buy anything, rupay will always leave you hanging dry also the rupay is not future ready and it will die down pretty soon.
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Bhai, As an Indian I believe Rupay ka future bahut hi bright hai .....
 
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