BOB Eterna rewards

[VijayflyRaven]

BOB Eterna gives 3.75% for online shopping. Rewards used to post as soon as the transaction is posted. Last few weeks I see that my transactions at Amazon has not earned any rewards. Is this an issue only for me or others also not receiving rewards for last week?

 

[drsel]

I am not getting rewards on paytm load

Its possible that they have stopped points on wallet load because almost all cards do not give any points or cashback for wallet load

 

[Batman]

Does Eterna provide 3.75% for physical Amazon gift cards?

 

[HIMANSHU76888]

no it's 0.75% now

Does Eterna provide 3.75% for physical Amazon gift cards

 

[hs23new]

1) Please confirm if Eterna is giving 3.75% on Payzapp loads. I heard Bob is blocking card use. Any best practices.

2) Is is still possible to pay BOB CC using Payzapp Balance?

3) Also how to complete Payzapp full KYC? I am not getting any option in the app.

 

[hs23new]

BOB Eterna MCC exclusion list:

https://www.bobfinancial.com/documents/Reward_Point_Important_Terms_Conditions_7Dec.pdf

 

[drsel]

There are no so many better cards that I withdrew my application for Bob Eterna many months ago.

See all the excluded MCCs, there is hardly anything left to get 3.75% return--

 

[drsel]

There are least three excellent videos, (including Technofino) on YouTube about the "Best cards for 2024" and not even one of them mentions Bob Eterna

 

[helloworld]

1) Please confirm if Eterna is giving 3.75% on Payzapp loads. I heard Bob is blocking card use. Any best practices.

2) Is is still possible to pay BOB CC using Payzapp Balance?

3) Also how to complete Payzapp full KYC? I am not getting any option in the app.

1. Yes. Don't use atleast initial 6 months.
2. No
3. Apply HDFC CC or Bank account.

 

[hs23new]

There are least three excellent videos, (including Technofino) on YouTube about the top cards for 2024 and not even one of them mentions Bob Eterna

I agree is not worth getting this card and dealing with BOB customer care. Its absolutely worst.

However, I applied long time back and finally they gave me the card. Got virtual card today, waiting for physical card to know if its LTF or paid.

Now trying to find a good way to spend on the card - wallet MCC is not in the restricted MCC list. So it does give CB on Payzapp.

 

[hs23new]

1. Yes. Don't use atleast initial 6 months.
2. No
3. Apply HDFC CC or Bank account.

1. Ok
2. Where to spend payzapp balance?
3. I already have both. Customer care said I opened payzapp before HDFC account, now they will launch full KYC activation feature in March.

 

[D₹V]

I agree is not worth getting this card and dealing with BOB customer care. Its absolutely worst.

However, I applied long time back and finally they gave me the card. Got virtual card today, waiting for physical card to know if its LTF or paid.

Now trying to find a good way to spend on the card - wallet MCC is not in the restricted MCC list. So it does give CB on Payzapp.

You applied in April 😉

 

[helloworld]

1. Ok
2. Where to spend payzapp balance?
3. I already have both. Customer care said I opened payzapp before HDFC account, now they will launch full KYC activation feature in March.

2. Wherever prepaid card accepts like Amzn, Fk, Gyftr vouchers etc.
3. Check with them only or forum HDFC page with similar experience, I have card first then payzapp, so not helpful.

 

[drsel]

I know but why share private group discussion in public.

Because so many people are wasting time, money and energy in applying for, using and even discussing second grade cards when there are so many better ones available.

But as you recommended, I deleted my post

 

[hs23new]

Because so many people are wasting time, money and energy in applying for, using and even discussing second grade cards when there are so many better ones available.

But as you recommended, I deleted my post

True, this card is waste of time. Hopefully people will watch the 2024 reviews and ignore this card.

I had to come with interesting use case for this card, will keep for fy and then cancel unless they give minimum 10k points as retention bonus.

Less known CC for utility MCC 4900

Thanks for the update. Removed CSB Jupiter Rupay from list. Cashback limits: Max. cashback of ₹1,000 per billing cycle, i.e. 5000 Jewels. We will run exciting offers to increase billing cycle limits for customers who meet monthly spend milestone. Exclusions: Excluded categories for cashback...

www.technofino.in

 

[helloworld]

True, this card is waste of time. Hopefully people will watch the 2024 reviews and ignore this card.

I had to come with interesting use case for this card, will keep for fy and then cancel unless they give minimum 10k points as retention bonus.

Less known CC for utility MCC 4900

Thanks for the update. Removed CSB Jupiter Rupay from list. Cashback limits: Max. cashback of ₹1,000 per billing cycle, i.e. 5000 Jewels. We will run exciting offers to increase billing cycle limits for customers who meet monthly spend milestone. Exclusions: Excluded categories for cashback...

www.technofino.in

its waste in 2023 (devaluation happened in 2022) itself, somehow payzapp helped but that also left now.

 

[hs23new]

its waste in 2023 (devaluation happened in 2022) itself, somehow payzapp helped but that also left now.

One good use of Eterna is unlimited domestic lounge access for add ons without any min spends. Good for family members who dont have CCs.

 

[anirban.choudhuryanirban.choudhury is verified member.]

Eterna still is an excellent card if one holds it as LTF . It gives good returns on International spends particularly with its 5000 extra points offers on 50k spends which are quite often actually , in addition to that there are few extra offers that keeps on running for international spends like 5 SGD off on every grab ride in Singapore.
In addition to the reward unlimited lounge access to addons as well.
Overall a quite decent card , and I end up spending through it on my international trips as most of the time there is some spend based offer going around.

 

[AlgoTrader]

its waste in 2023 (devaluation happened in 2022) itself, somehow payzapp helped but that also left now.

We won't get 3.75% for payzapp wallet load?

 

[helloworld]

We won't get 3.75% for payzapp wallet load?

you can but where you use that important now. whatever I can use payzapp wallet, I can use eterna itself, no excluded categories.

 

[card_007]

you can but where you use that important now. whatever I can use payzapp wallet, I can use eterna itself, no excluded categories.

Does it need 6 month cooling off period on Payzapp for new ETerna holders?