fradela
TF Ace
Here’s my real experience applying for the BOB Eterna Credit Card – LTF version, along with everything you should know before you apply.
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.
I’ll update this post as soon as I get any new updates.
✅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.
🏢 How to Apply (Step-by-Step Guide)
- 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. - 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. - 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:- PAN Card
- Aadhaar Card
- Last 2 months’ salary slips
- Last 2 months’ bank statements (salary account)
- 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:- You’ll receive a verification call from the Mumbai number. Please attend and respond.
- A field officer will visit your home for physical verification.
- After verification, within 15 working days, your card should be dispatched.
I’ll update this post as soon as I get any new updates.
