Offer Fulfilled! How I Applied for a Life Time Free BOB Eterna Credit Card (Step-by-Step Process)

[fradela]

Here’s my real experience applying for the BOB Eterna Credit Card – LTF version, along with everything you should know before you apply.

✅Eligibility conditions for LTF Eterna:​

• Salaried individuals with a monthly net salary of ₹1 lakh or more.
  • New-to-Bank (NTB) applicants are eligible — you don’t need to hold a BOB savings account.
• Loan holders (home, vehicle, or personal loan) with a principal loan amount above ₹10 lakh also qualify.
• Existing BOB credit card holders are NOT eligible for the LTF offer.

📍 Application Mode: Offline only (no online).

🏢 How to Apply (Step-by-Step Guide)​

1. Reach out to your nearest Bank of Baroda branch.
   Ask specifically about the Life Time Free Eterna Credit Card. The branch will usually share the contact details of the credit card representative for your area.
2. Send an inquiry email.
   I first emailed my nearest branch expressing interest in the LTF Eterna card. They quickly replied with the contact person’s name and phone number.
3. Initial confirmation call.
   Before I could even call, the representative called me herself — confirmed that Eterna is indeed Life Time Free for salaried applicants earning ₹1 lakh+ monthly, and asked me to visit the branch with documents.

🧾 Documents Required​

You’ll need to carry the following:

1. PAN Card
2. Aadhaar Card
3. Last 2 months’ salary slips
4. Last 2 months’ bank statements (salary account)
5. One passport-size photo

🪙 My In-Branch Experience​

When I visited the branch, I expected a long process — but surprisingly, it was smooth. The representative asked me to sit while she collected my documents.

She personally filled out the entire application form and just asked me to sign in three places. While filling the form, her supervisor casually mentioned they had a target of 25 Eterna cards for the month — which explained their proactive approach. 😄.

Once done, she told me the application would be forwarded to the circle office for processing.

📞 What Happens Next​

Here’s what she explained about the next steps:

1. You’ll receive a verification call from the Mumbai number. Please attend and respond.
2. A field officer will visit your home for physical verification.
3. After verification, within 15 working days, your card should be dispatched.

🔄 Next Update

I’ll update this post as soon as I get any new updates.

 

[fradela]

Don't forget to send an email to crm@bobcard.co.in and your branch email id. It will be useful in the future if any dispute arises.

 

[smuff]

Closed a bob cc earlier. Still eligible?

 

[nikhilv0303]

Any specific benefits of BoB Eterna? Already hold EPM and other cashback card for online spends?

 

[fradela]

You closed previous card bro?

Bro, what about your ETERNA? Is it PAID or LTF?

 

[jetesh]

Can you share agent details for Delhi

S H A R E D

 

[Ram1]

Bro, what about your ETERNA? Is it PAID or LTF?

Not sure, i did met spend criteria too

 

[fradela]

Not sure, i did met spend criteria too

Ask LTF, if not given, close the card.

 

[krishna_]

Here’s my real experience applying for the BOB Eterna Credit Card – LTF version, along with everything you should know before you apply.

✅Eligibility conditions for LTF Eterna:​

• Salaried individuals with a monthly net salary of ₹1 lakh or more.
  • New-to-Bank (NTB) applicants are eligible — you don’t need to hold a BOB savings account.
• Loan holders (home, vehicle, or personal loan) with a principal loan amount above ₹10 lakh also qualify.
• Existing BOB credit card holders are NOT eligible for the LTF offer.

📍 Application Mode: Offline only (no online).

🏢 How to Apply (Step-by-Step Guide)​

1. Reach out to your nearest Bank of Baroda branch.
   Ask specifically about the Life Time Free Eterna Credit Card. The branch will usually share the contact details of the credit card representative for your area.
2. Send an inquiry email.
   I first emailed my nearest branch expressing interest in the LTF Eterna card. They quickly replied with the contact person’s name and phone number.
3. Initial confirmation call.
   Before I could even call, the representative called me herself — confirmed that Eterna is indeed Life Time Free for salaried applicants earning ₹1 lakh+ monthly, and asked me to visit the branch with documents.

🧾 Documents Required​

You’ll need to carry the following:

1. PAN Card
2. Aadhaar Card
3. Last 2 months’ salary slips
4. Last 2 months’ bank statements (salary account)
5. One passport-size photo

🪙 My In-Branch Experience​

When I visited the branch, I expected a long process — but surprisingly, it was smooth. The representative asked me to sit while she collected my documents.

She personally filled out the entire application form and just asked me to sign in three places. While filling the form, her supervisor casually mentioned they had a target of 25 Eterna cards for the month — which explained their proactive approach. 😄.

Once done, she told me the application would be forwarded to the circle office for processing.

📞 What Happens Next​

Here’s what she explained about the next steps:

1. You’ll receive a verification call from the Mumbai number. Please attend and respond.
2. A field officer will visit your home for physical verification.
3. After verification, within 15 working days, your card should be dispatched.

🔄 Next Update

I’ll update this post as soon as I get any new updates.

What about office verification? They didn't do office verification? If no office verification then why 15 working days?

 

[arthurmorgan]

What’s the benefits of this card ?

 

[cardless]

My eterna card got approved and I immediately emailed customer care to confirm whether its LTF or not but they have outright denied that there is no LTF offer running for Eterna. If anyone has confirmation then please let me know.

 

[AlooDum]

My eterna card got approved and I immediately emailed customer care to confirm whether its LTF or not but they are outright denied that there is no LTF offer running for Eterna. If anyone has confirmation then please let me know.

This is the thing.

I have asked multiple times where is the LTF campaign offer, but everybody kept asking for agent number to apply