They are quite underrated. If BoB can improve their customer service, then more people will be interested. Premier has a decent reward structure for an LTF card and also provided 4 international Lounge access.
I know that. Eterna seems so good. But with this kind of customer service, not touching BoB with a bargepole. I have seen glitches where customer service is required. If this is the case, will need to go a temple/church/gurudwara for help since BoB won't help!
For example, Eterna reward structure:
Base Rewards: 3 RP / ₹100 spent.
Reward Points can only be redeemed in the form of statement credit and each reward point is equal to ₹0.25. So the card offers a sweet 3.75% cashback up to the max cap per month and then 0.75% above that.
The card comes with an annual fee of ₹2499 + GST, but if your annual income submitted in the form of income proof is upwards of ₹30L per annum, BOB Financial is known to issue this card on an LTF basis.
You can earn 5X bonus by paying your RedGirraffe rental through PayZapp and not directly but first loading the amount into your PayZapp wallet, using the Eterna credit card and then paying the Rental payment using the wallet balance on Payzapp. The wallet load on Payzapp is free and it triggers the 5X bonus on the Eterna as of now.
So assume if you have a monthly rental payment of ₹50,000 per month, the calculation is as follows:
5X Rewards: 5000 RPs until ₹33,333.33
Base Rewards: 500 RPs for the remaining ₹16,666.67
Total Rewards: 5500 RP
Statement Credit: ₹1375
The only fee is the 0.39% fee that RedGiraffe charges.