BOB Eterna is now becoming a most Un-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.


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BOB Eterna Updates :



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
CLICK HERE for Airport Lounge List or Visit DreamFolks : https://info.dreamfolks.in/partner-outlets-list?filter=eUJUVXhNVVI3WGQyWEZZeURxSGJaQT09

 

[eve]

Bro , did you apply separately for eterna or was it automatically taken care of as part of masterstroke account opening? And any verification or cibil hit happened for it?

Eterna comes LTF with masterstroke, branch needs to raise a seperate request though. CIBIL will be hit, no physical verification happened for me, but they will ask you to deposit 10L before applying eterna. I plan to downgrade to normal saving account now after getting eterna. whole process took 2 months so i lost 2 months interest on deposit. For me, i have good gyms nearby so fitpass is worth with it

 

[Credit_Cards]

U can see in bob world app
For masterstroke it is lifetime free, don't worry

what if we close or downgrade masterstroke ?

 

[Jackk]

Eterna comes LTF with masterstroke, branch needs to raise a seperate request though. CIBIL will be hit, no physical verification happened for me, but they will ask you to deposit 10L before applying eterna. I plan to downgrade to normal saving account now after getting eterna. whole process took 2 months so i lost 2 months interest on deposit. For me, i have good gyms nearby so fitpass is worth with it

So there is no verification happening, neither physical nor tele/vkyc?

 

[opbamldg]

So there is no verification happening, neither physical nor tele/vkyc?

In my case, physical verification happened with Masterstroke. You will need to apply for Eterna with masterstroke through branch, they will take your Aadhaar and PAN photocopies signed by you. That will work as KYC. After application, they will call and confirm you about your application and move forward. Keep in mind that BOBCARD employees are a next level of pain in themselves. Hope you get good employee who processes your application.

 

[Credit_Cards]

In my case, physical verification happened with Masterstroke. You will need to apply for Eterna with masterstroke through branch, they will take your Aadhaar and PAN photocopies signed by you. That will work as KYC. After application, they will call and confirm you about your application and move forward. Keep in mind that BOBCARD employees are a next level of pain in themselves. Hope you get good employee who processes your application.

they want your 10L and then they will torture you what is this behaviour 😱

 

[roshan mothukuri]

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

did u got eterna card???

 

[Swastik]

did u got eterna card???

Nope, denied .

 

[opbamldg]

they want your 10L and then they will torture you what is this behaviour 😱

BOBCARD is a different entity than Bank of Baroda. In my case BOBCARD changed their internal policy of minimum age for self employed from 21 years to 24 years but didn’t update it on website. That’s why my credit card application initially got declined. Home and work verification is now a strict norm in BOBCARD now, 99% of applications are made to go through this because of rise of delinquent credit cards and Government backed entities don’t take a bit of risk.

 

[Credit_Cards]

BOBCARD is a different entity than Bank of Baroda. In my case BOBCARD changed their internal policy of minimum age for self employed from 21 years to 24 years but didn’t update it on website. That’s why my credit card application initially got declined. Home and work verification is now a strict norm in BOBCARD now, 99% of applications are made to go through this because of rise of delinquent credit cards and Government backed entities don’t take a bit of risk.

What about self employed working from home like free lancers and e consultants etc ?

 

[Anindya98]

What about self employed working from home like free lancers and e consultants etc ?

Follow the same steps

Thread 'BOB Credit Card Approval: My Card-to-Card Application Journey!'

Jan 30, 2025

I wanted to share my recent experience of applying for a BOB Credit Card using the card-to-card method. Here's how it went:

I called the credit card representative at my BOB Home branch and inquired about applying for a BOB credit card through the C2C method without requiring physical verification.
C2C Criteria: Minimum 1-year-old CC with 1L limit. I used my ICICI Apay Card with 4.2L which is 1 yr 10 months old.
Application Timeline: Application Date (10/01/2025) -> Document Required (13/01/2025) & I uploaded the doc same day -> Got...

• Anindya98
• approval bank of baroda bob bob card bob credit card bob eterna bob premier credit card credit card 2025 ltf credit card
• Replies: 117
• Forum: BOB Cards

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[opbamldg]

What about self employed working from home like free lancers and e consultants etc ?

I am also self employed, my work address was almost similar, it should not be exact same. Just omit a word somewhere in your house address.

 

[bigbyte]

RANT Alert.

Can some one tell where does this BoB Card (Eterna / SD) fetches accelerated points on online Transactions ??

BC they have excluded practically every thing, apart from ALL usual exclusions ; Supermarket, Convenience Stores and Fast Food Restaurants are also excluded and that leaves practically nothing where you can earn points.

BC ye card D'Mart / BigBasket/ Zomato/Swiggy par bhi point nahin deta. Bas UPI par 1% kamao aur khush raho.

 

[roshan mothukuri]

There won't be any cibil enquiry & verifications for upgrade.
Just 1 year old card with 2L limit enough

is it exactly true????? become I heard that there is a cibil hit for bob upgradation procedure...
can u pls confirm me this for sure!!!!!
😊 TIA

 

[sicko101]

is it exactly true????? become I heard that there is a cibil hit for bob upgradation procedure...
can u pls confirm me this for sure!!!!!
😊 TIA

I recently upgraded from premier to Eterna and cibil was hit.

However my premier had only 1 lakh limit.

 

[pranjal1984]

RANT Alert.

Can some one tell where does this BoB Card (Eterna / SD) fetches accelerated points on online Transactions ??

BC they have excluded practically every thing, apart from ALL usual exclusions ; Supermarket, Convenience Stores and Fast Food Restaurants are also excluded and that leaves practically nothing where you can earn points.

BC ye card D'Mart / BigBasket/ Zomato/Swiggy par bhi point nahin deta. Bas UPI par 1% kamao aur khush raho.

Their cards have been devalued beyond oblivion. Better to keep a few but effective cards .

 

[Slayer]

Their cards have been devalued beyond oblivion. Better to keep a few but effective cards .

Getting 3.75% on most online spends

 

[Ram1]

Its been 2 weeks since I completed 50k spends, still i didn't received 10k points.
How many days it takes to credit?
@SSV @jetesh @Tushar

 

[SSV]

Its been 2 weeks since I completed 50k spends, still i didn't received 10k points.
How many days it takes to credit?
@SSV @jetesh @Tushar

You will get 50k points for sure.. just wait for some more time… ideally you should have gotten by now, but sometimes it may take more time

 

[sicko101]

Its been 2 weeks since I completed 50k spends, still i didn't received 10k points.
How many days it takes to credit?
@SSV @jetesh @Tushar

> Milestone Rewards Transactions settled during the specified period i.e., posted to your creditcard will be considered for this benefit.
> Any transactions carried out but unsettled or settled after the specified period of 60/365 dayswon't be considered for spend calculation.
>Bonus Reward points for Milestone Rewards will be posted to eligible cardholders credit cardaccount within 30 days of promotion end date

 

[BVCBVC is verified member.]

You will get 50k points for sure.. just wait for some more time… ideally you should have gotten by now, but sometimes it may take more time

Its been 2 weeks since I completed 50k spends, still i didn't received 10k points.
How many days it takes to credit?
@SSV @jetesh @Tushar

Got my card in December and in my 2nd statement BOB Credited by 10000 points (i.e within 60 days). Wait till 60 days, BOB should credit before 60 days only. JF Waiver though credited within 30 days only.