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BOB Eterna is now becoming a most un-popular choice credit card

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J

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.
eterna-shadow-19-feb24.webp

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BOB Eterna Updates :

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CLICK HERE to View Updated Features and Terms & Conditions
CLICK HERE to Download the District App
CLICK HERE for Steps to Avail Your Movie Ticket Benefit
 
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Abhishek012 said:
RuPay UPI ka wait karo, full 5x dene k liye bola hu.

Aise thorai hota hai ki BOB Snapdeal RuPay UPI walo ko unlimited 1% dega and BOB Eterna RuPay UPI walo ko unlimited 0.75% 🤣 🤣

BOB walo ko yeh meme bhej k samjhana parega.
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Curious does UPI also works based on MCC? If yes, then not sure UPI beneficial if used on Supermarkets, FastFood, Grocery etc. excluded categories. which provides 0 points.
 
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Whats the way to identify between normal restaurant and fast food restaurant? Normal restaurant swipe gives 15 RP per 100 right as it comes under dining?

Banks are creating complicated maze of exclusions these days. Very difficult to understand and remember
 
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sourpai said:
Whats the way to identify between normal restaurant and fast food restaurant? Normal restaurant swipe gives 15 RP per 100 right as it comes under dining?

Banks are creating complicated maze of exclusions these days. Very difficult to understand and remember
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its all based on mcc they used.

eterna provides dining 5812 only 5x.

rest like 5814 provides 0 points.

whereas hsbc live+ works on 5811,5812,5813,5814,5411,5422 etc.

safe side do not use eterna for dining because it may or maynot work.
 
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helloworld said:
Might already aware but incase if missed / need short version:

Effective 1 Jan, 25.

BOB Eterna will not provide any rewards for below categories:

- Transportation
- Telecom / Utility
- Supermarket
- Departmental stores
- FastFood Restaurants (Swiggy/Zomato provides)
- Insurance
- Govt.
- Rent
- Education
- Wallet
- Fuel

Absolutely '0' reward points. Moreover processing fee might applicable if you transact in these categories which can be 1.18% and above.

# Note: Above might count for milestone which is 5L and get extra 1% but that fee eaten by processing fee.

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Rupay Cards UPI provides 0.75%.
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Bad timing to get the Eterna card approved.
 
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BVC said:
As I have not seen the best, might befine for me. My main reason to take is for getting it on Rupay variant and some merchant offers. Anyways I can manage annual spend waiver.
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for me problem with annual spend waiver, if I start using online then those 5% cards interfere. Offline anyway we have >1% cards.

So, if you spent 2,50,000 on eligible mcc you'll get 9,375.

but same on 5% (because obviously eligible mcc eligible here), might provide 12,500.

Opportunity cost : 3,125...

It all started when they first added these special mccs in 2023. With spend based lounge and other exclusions completely lost.
 
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helloworld said:
for me problem with annual spend waiver, if I start using online then those 5% cards interfere. Offline anyway we have >1% cards.

So, if you spent 2,50,000 on eligible mcc you'll get 9,375.

but same on 5% (because obviously eligible mcc eligible here), might provide 12,500.

Opportunity cost : 3,125...

It all started when they first added these special mccs in 2023. With spend based lounge and other exclusions completely lost.
Click to expand...
You're pouring water now on my approval 😂😂. Just tell me one thing, whether Insurance spends are considered for Milestones?
 
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First 50K spend practically gives 11% return (~15% if used on accelerated categories), which is why even I am planning to use it and continue for one year. I too received it just couple of weeks back in Rupay variant
 
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The people who have not yet received the ETERNA card now have a great opportunity. As an alternative, they can apply for the TIARA credit card, which offers the same features and comes with additional freebies from Rupay.

The main eligibility requirement for this card is that the applicant must be a WOMAN (in the gender field, tick the option "F"). Andhar se kuch bhi ho 😛

If you have not yet received the ETERNA card, you can visit the branch in the dress code specified below and apply for the card in person.

actor-female-role-play-1686568912.webp

Please note: This is meant to be lighthearted and not to be taken seriously.
 
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jetesh said:
The people who have not yet received the ETERNA card now have a great opportunity. As an alternative, they can apply for the TIARA credit card, which offers the same features and comes with additional freebies from Rupay.

The main eligibility requirement for this card is that the applicant must be a WOMAN (in the gender field, tick the option "F"). Andhar se kuch bhi ho 😛

If you have not yet received the ETERNA card, you can visit the branch in the dress code specified below and apply for the card in person.

View attachment 77065

Please note: This is meant to be lighthearted and not to be taken seriously.
Click to expand...
One big difference - Tiara doesn't include online shopping under 5x. Only dining, travel and international categories.
 
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Harry1 said:
One big difference - Tiara doesn't include online shopping under 5x. Only dining, travel and international categories.
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helloworld said:
This should have shopping category for 5x.
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Bhai .... sabhi Husbands/Gents ne ye features decide kiye hoge ... They knows Indian ladies and their shopping issues 😛 😀

15x ka reason de kar roz shoppings hogi 😛 😉 😀
 
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