Prologue: I have been an existing customer of BOB since November last year, came to know about their LTF offers on different cards and applied for Premier using their website. BOB took its own sweet time to process my request and ultimately the card was delivered to my after a long wait of 1 month.
When I opened the envelope, I was shocked to see the meagre limit of 75,000. This was disappointing as the least limit which I used to have on any of my cards was around 2L and this card made a new low in terms of limit in my card portfolio. However, the only saving grace was Rupay franchise as this was going to be my first Rupay card and with the latest UPI announcement, this Rupay card came as a blessing in disguise.
Due to the limit constraints, I was mostly doing 5-10K worth of transactions on this card and used this card for BOB related offers on Amazon.
One fine day, I came across a review for BOB Eterna and needless I was impressed with its reward rate of 3.75% on all online transactions (though they claim this reward rate is applicable on Travel, Dinning and international transactions). However the users are getting this reward rate on Wallet loads and Rent payments too. Since I pay a monthly rent of more than 50K, the itch to get this card started.
I wanted to apply for this card even if it was paid due to the reward rate, however came to know from our forum that a person can get Eterna LTF if their income is above 30L.
Tried my luck with conversions@bobfinancial.com and raised a request for Eterna LTF, in response they shared an upgrade form and asked me to fill it and share the income documents along with it.
I completed the form and shared the income documents with them, then came the long wait for about a month there was a complete silence from BOB's end. After waiting for a month, I lost my patience and dropped an email to conversions to check the status of my request. This time they responded with not so good news.
Conversions team informed me that they can offer me a paid Eterna, which meant I can't get it for LTF. I was about to give in and thought applying for the paid card but took a chance and escalated my case to crm@bobfinancial.com (again special thanks to the members of this forum from whom I came to know about the escalation matrix). Shared all the income documents again with CRM team.
Finally this escalation worked and my request for LTF Eterna was approved.
Card was delivered to me recently and here are unboxing images.
This card would have easily beaten any super premium card had it not have an upper cap of 5000 reward points for 5X categories.
When I opened the envelope, I was shocked to see the meagre limit of 75,000. This was disappointing as the least limit which I used to have on any of my cards was around 2L and this card made a new low in terms of limit in my card portfolio. However, the only saving grace was Rupay franchise as this was going to be my first Rupay card and with the latest UPI announcement, this Rupay card came as a blessing in disguise.
Due to the limit constraints, I was mostly doing 5-10K worth of transactions on this card and used this card for BOB related offers on Amazon.
One fine day, I came across a review for BOB Eterna and needless I was impressed with its reward rate of 3.75% on all online transactions (though they claim this reward rate is applicable on Travel, Dinning and international transactions). However the users are getting this reward rate on Wallet loads and Rent payments too. Since I pay a monthly rent of more than 50K, the itch to get this card started.
I wanted to apply for this card even if it was paid due to the reward rate, however came to know from our forum that a person can get Eterna LTF if their income is above 30L.
Tried my luck with conversions@bobfinancial.com and raised a request for Eterna LTF, in response they shared an upgrade form and asked me to fill it and share the income documents along with it.
I completed the form and shared the income documents with them, then came the long wait for about a month there was a complete silence from BOB's end. After waiting for a month, I lost my patience and dropped an email to conversions to check the status of my request. This time they responded with not so good news.
Conversions team informed me that they can offer me a paid Eterna, which meant I can't get it for LTF. I was about to give in and thought applying for the paid card but took a chance and escalated my case to crm@bobfinancial.com (again special thanks to the members of this forum from whom I came to know about the escalation matrix). Shared all the income documents again with CRM team.
Finally this escalation worked and my request for LTF Eterna was approved.
Card was delivered to me recently and here are unboxing images.
This card would have easily beaten any super premium card had it not have an upper cap of 5000 reward points for 5X categories.
