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BOB Premier Rupay Credit Card

Officially you need more than 20L income for LTF eterna. Except for some lucky cases.
Dear Sir/Madam

Greetings for the day.

We would like to inform you that ETERNA card is not lifetime free card it is chargeable with Joining and Annual fee, Hence we regret to inform you that we are unable to upgrade your PREMIR card into ETERNA with LTF(life time free). We can upgrade only into ETERNA without LTF.

Please confirm to us for Eterna Upgrade without LTF.

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This is what BOB has sent me despite salary > 25 LPA.
 
Dear Sir/Madam

Greetings for the day.

We would like to inform you that ETERNA card is not lifetime free card it is chargeable with Joining and Annual fee, Hence we regret to inform you that we are unable to upgrade your PREMIR card into ETERNA with LTF(life time free). We can upgrade only into ETERNA without LTF.

Please confirm to us for Eterna Upgrade without LTF.

=====================
This is what BOB has sent me despite salary > 25 LPA.
Only few lucky people get it as LTF 🥲
 
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