Offline you will have to go via branch & I am pretty sure they will not do C2C !
Also, if you have spends over 2.5L annually they waive off the annual fee anyway & for the joining fee you get 10,000 bonus point which covers it as a statement credit ! If you are not spending at least ₹2.5L a year don’t get eterna, unless you just want a “so called” BOB premium card in your wallet !