BOB Eterna LTF Offer: Unlimited Lounge Access + 5X Rewards!

[theXfactor]

Do we get 5x reward If we use bob eterna in maximize site?

Good Q. I don’t have an answer. Maximise and Savesage.

 

[AjinkyaDadoo]

Not getting 5% on savesage on sbi cashback

 

[AjinkyaDadoo]

Good Q. I don’t have an answer. Maximise and Savesage.

Not getting cashback on savesage using sbi cashback

 

[Saral]

how to get fitpass with eterna..do we have to spend or just with card it comes?

 

[Indrajeet100]

Though LTF is good, any specific use case for this for someone having couple of premium cards? Have IDFC wealth too but not used for months as even offers are more on debit than credit card.

 

[navdeep22]

Though LTF is good, any specific use case for this for someone having couple of premium cards? Have IDFC wealth too but not used for months as even offers are more on debit than credit card.

Delhi T3 arrivals lounge ?

 

[theXfactor]

Though LTF is good, any specific use case for this for someone having couple of premium cards? Have IDFC wealth too but not used for months as even offers are more on debit than credit card.

It’s difficult to use this card honestly if you don’t have a lot of UPI spends and specially if you already have Infinia/EPM sort of cards.
However, it has milestone based rewards so if you are able to spend 5L in a year you get 20k points (5k Rs) which takes its normal reward rate to 1.75% on normal non-accelerated spends. For first year you get additional 10k points (2.5k Rs) that takes its reward rate to 2.25% on normal spends if you achieve 5L spends in a year.

Now, if you consider accelerated reward rate of 3.75% on dining, online, international & travel, the reward avg. reward goes further up. 5k points cap.

So good for international spends - 3.75% reward rate against 2.36% forex so net positive gain of +1.39% till abt 40k spends. Even if it goes beyond that forex markup will avg out to bare min. (0.4-0.6%) which too is great.
Best domestic lounge network.
Rupay variant can be used for UPI spends.

If this makes sense to you, go for it; otherwise, no harm in passing it.

 

[smuff]

Do I need to clear PAN or do anything else before applying as I closed bob card 2 years ago?

 

[AlooDum]

Does BoB Eterna has lounge access in Delhi T3 Arrival? Read somewhere in community but could not find in official list

 

[navdeep22]

Does BoB Eterna has lounge access in Delhi T3 Arrival? Read somewhere in community but could not find in official list

yes all bob cards have (i checked eterna and premier)

 

[Indrajeet100]

It’s difficult to use this card honestly if you don’t have a lot of UPI spends and specially if you already have Infinia/EPM sort of cards.
However, it has milestone based rewards so if you are able to spend 5L in a year you get 20k points (5k Rs) which takes its normal reward rate to 1.75% on normal non-accelerated spends. For first year you get additional 10k points (2.5k Rs) that takes its reward rate to 2.25% on normal spends if you achieve 5L spends in a year.

Now, if you consider accelerated reward rate of 3.75% on dining, online, international & travel, the reward avg. reward goes further up. 5k points cap.

So good for international spends - 3.75% reward rate against 2.36% forex so net positive gain of +1.39% till abt 40k spends. Even if it goes beyond that forex markup will avg out to bare min. (0.4-0.6%) which too is great.
Best domestic lounge network.
Rupay variant can be used for UPI spends.

If this makes sense to you, go for it; otherwise, no harm in passing it.

Thanks that was best summary and assessment of this card. Though got approved will not do KYC. I have EPM and DCB and even Atlas. Maybe 3-4 return travel in the year..other cards enough for lounge access and upi spend may not be high.

It’s difficult to use this card honestly if you don’t have a lot of UPI spends and specially if you already have Infinia/EPM sort of cards.
However, it has milestone based rewards so if you are able to spend 5L in a year you get 20k points (5k Rs) which takes its normal reward rate to 1.75% on normal non-accelerated spends. For first year you get additional 10k points (2.5k Rs) that takes its reward rate to 2.25% on normal spends if you achieve 5L spends in a year.

Now, if you consider accelerated reward rate of 3.75% on dining, online, international & travel, the reward avg. reward goes further up. 5k points cap.

So good for international spends - 3.75% reward rate against 2.36% forex so net positive gain of +1.39% till abt 40k spends. Even if it goes beyond that forex markup will avg out to bare min. (0.4-0.6%) which too is great.
Best domestic lounge network.
Rupay variant can be used for UPI spends.

If this makes sense to you, go for it; otherwise, no harm in passing it.

 

[HumorSimpson]

Thanks that was best summary. Though got approved will not do KYC. I have EPM and DCB and even Atlas. Maybe 3-4 return travel ..other cards enough for

Thanks this has been most clear evaluation of this card. Though approved, I think I skip.

Good decision. I took this card out of fomo and I hardly see a single case where could I use this one.

I took the bait of unlimited airport lounge access without realizing the 40K ₹ spend criteria.

When you have other Prem cards no point in diverting spends to this card for lounge.

 

[satarawala]

Just inform all BOB Eterna RuPay JCB credit card users — you all can easily unlock unlimited airport lounge access. DM ME if anyone wants to know. Only for RuPay users.

RuPay variant - You will also get 25% Cashback on International spent but only on selected countries.

Also get scan and score offer (working on online UPI transaction too) -

A

Post in thread 'BOB Eterna Credit Card Launched on RuPay network'

Nov 23, 2025

Which is this offer?

RuPay Scan & Score Whatsapp Number: +918657041681

just send "Hi" and follow all menu and get all details. You can redeem your coins on Amazon gv too.

Note - online UPI transaction also working and sometimes you will get Free CC UPI to UPI bug and your transactiona slo count for RuPay scan and score.

Now once you registered, Don't expect to get coins next minute, even I don't know the calculation and time frames but they get added gradually. You can use coin and do transaction in WhatsApp with redeem option. Every other...

• Abhishek012

I have BOB Eterna JCB Rupay CC. Please guide on how to get unlimited lounge access and 25% on International spends

 

[fradela]

I have BOB Eterna JCB Rupay CC. Please guide on how to get unlimited lounge access and 25% on International spends

He won't tell here. 😉😉

He will reveal only if you pay him so much 🤣🤣

 

[cardlearner]

are there no RupaySelect offer on this card?

 

[Dennis]

It’s difficult to use this card honestly if you don’t have a lot of UPI spends and specially if you already have Infinia/EPM sort of cards.
However, it has milestone based rewards so if you are able to spend 5L in a year you get 20k points (5k Rs) which takes its normal reward rate to 1.75% on normal non-accelerated spends. For first year you get additional 10k points (2.5k Rs) that takes its reward rate to 2.25% on normal spends if you achieve 5L spends in a year.

Now, if you consider accelerated reward rate of 3.75% on dining, online, international & travel, the reward avg. reward goes further up. 5k points cap.

So good for international spends - 3.75% reward rate against 2.36% forex so net positive gain of +1.39% till abt 40k spends. Even if it goes beyond that forex markup will avg out to bare min. (0.4-0.6%) which too is great.
Best domestic lounge network.
Rupay variant can be used for UPI spends.

If this makes sense to you, go for it; otherwise, no harm in passing it.

does this card work on wallet loads
i dont have any premium cards like infinia or EPM will this be helpful?

 

[theXfactor]

does this card work on wallet loads
i dont have any premium cards like infinia or EPM will this be helpful?

Excluded for rewards. Even Infinia and EPM are.

 

[nikhilv0303]

I took the bait of unlimited airport lounge access without realizing the 40K ₹ spend criteria.

Ohhhhh I thought lounge was without conditions!!

 

[smuff]

Ohhhhh I thought lounge was without conditions!!

Thats for scapia only

 

[theXfactor]

Thats for scapia only

Scapia too has conditions for lounge access