LTF BOB Eterna Credit Card

[jetesh]

BOB is offering the Eterna Credit Card on a Lifetime Free (LTF) basis.



For more details visit: https://www.bobcard.co.in/credit-card-types/eterna

Credit Card features:

J

Thread 'BOB Eterna is now becoming a most Popular Choice Credit Card'

Sep 29, 2024

BOB Eterna credit card has seen a significant rise in demand recently due to several attractive features:

1. With the recent launch of the Rupay network, BOB Eterna is becoming a popular choice in super premium credit card segment.
2. BOB Eterna offers the highest number of lounges.
3. Unlimited Domestic Lounge Access. ( min spends criteria : Rs 40,000 per quarter )
4. International lounge access will also be announced soon.
5. Best Reward Points. 15 rewards points per Rs 100 on online shopping, dining, travel and international spends.
6. Plus, BOB Eterna annual fees are lower...

• jetesh
• bob bob eterna credit card eterna
• Replies: 1,261
• Forum: BOB Cards

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[gamersgzb]

can someone provide agent's number from Pune?

I think it's better to apply online, my friend asked last Thursday and got the card next day on Friday..I applied via agent on last Wednesday and still no updates except the application number

 

[theXfactor]

After submitting today my KYC is under review how long does the process takes it?

2 to 3 days. They are a sarkari bank, no application no., no SMS during the process. You will get an SMS once the card gets approved.

 

[hackymanoj]

I have BOB HPCL and Premier. Do I need to close both to get eterna as LTF?

 

[theXfactor]

I have BOB HPCL and Premier. Do I need to close both to get eterna as LTF?

try to upgrade...someone has posted the process on the thread

 

[fradela]

I have BOB HPCL and Premier. Do I need to close both to get eterna as LTF?

No. You need to upgrade from Premier to Eterna LTF.

 

[hackymanoj]

try to upgrade...someone has posted the process on the thread

Sorry to ask, Do you happen to know the process. When I reached out to customer support upgrade is not possible as LTF.

 

[theXfactor]

Sorry to ask, Do you happen to know the process. When I reached out to customer support upgrade is not possible as LTF.

No idea buddy and I don’t want to suggest something that may not work for you like closing your card first and get your PAN removed from their DB etc. As I was new to the bank, I didn’t face any issues.

I suggest you go thru this thread or similar threads if not done already, a few people of have posted step by step process to upgrade and their experience.

 

[sousnake]

I think it's better to apply online, my friend asked last Thursday and got the card next day on Friday..I applied via agent on last Wednesday and still no updates except the application number

Yeah better apply online.
I applied via offline and got the card with fees.
The agent filled form with fees.
Now planning to not activate it.

 

[jonamdhar]

Sorry to ask, Do you happen to know the process. When I reached out to customer support upgrade is not possible as LTF.

I have mailed the customer care and got it upgraded to LTF eterna

 

[vaibhavpp0707]

Is 10000 Bonus Reward points in first 60 days applicable for LTF card also? Saw there are some MCC exclusions.Will transaction on excluded category qualify for Milestone benefits?

Someone please confirm this.

 

[sahil1033]

Yeah better apply online.
I applied via offline and got the card with fees.
The agent filled form with fees.
Now planning to not activate it.

whatttttttt, I was relying on you if your process went smooth

but, I've closed my Premier CC, waiting for 16th December to pass, then will get PAN removed and apply fresh but I've heard online would be difficult for those who got their existing CC closed

 

[good_man]

Sorry to say, but I do not understand as to what is this madness about BOB ETERNA LTF CC.

Even if one manages to get it, it will not change his life. And even if declined, it does not make any difference.

Life goes on, with or without materialistic things. Get over this impulsive behaviour and the habit to follow the crowd blindly. Such petty distractions in life just come and go. Please get over this temptation of falling for everything that someone else prefers or seems to like.

Good luck to all of you.

 

[hackymanoj]

I have mailed the customer care and got it upgraded to LTF eterna

Can you please share the email id and the contents as well?

 

[sousnake]

whatttttttt, I was relying on you if your process went smooth

but, I've closed my Premier CC, waiting for 16th December to pass, then will get PAN removed and apply fresh but I've heard online would be difficult for those who got their existing CC closed

What can I say bro.. trusted agent to apply LTF but he applied for paid.
Will raise RBI complaint.

 

[theXfactor]

BOB has stopped showing rewards on a per-transaction basis. From last month its not showing.

whether it’s Amazon or Flipkart, you’ll get rewards everywhere — except on grocery purchases, because BOB has excluded grocery MCC codes from rewards.

DM ME for Easily unlock unlimited lounge access for RuPay variant.

Supermarket and convenience store, Variety Stores, Retail Store are also in the excluded category 🙁... so basically almost no offline purchases get you points.

 

[Giyu-san]

Supermarket and convenience store, Variety Stores, Retail Store are also in the excluded category 🙁... so basically almost no offline purchases get you points.

What? Really? Can anyone give the full list of exclusions?

 

[theXfactor]

What? Really? Can anyone give the full list of exclusions?

ANNEXURE 1: LIST OF SELECT MERCHANT CATEGORIES
MCC Category MCC
Agriculture 763,780,820,821,822,823,824, 825
Contractor1520, 1711 ,1731 ,1740 ,1750 ,1761,1771 ,1799
Transportation(Passenger Transportation, PassengerRailways, Bus services, Toll and roadand Bridge Fees and TransportationServices – Not Elsewhere Classified) 4111, 4112, 4131, 4784, 4789
Telecom 4814
Rent 6513
Cleaning and Maintenance, laundry,Personal services (Beauty parlour,barber, Legal and CIVIC services etc) 7349, 7211, 7230, 7276, 8111, 8641
Government 9211, 9222, 9311, 9399, 9402, 9405
Education 8211, 8220, 8241, 8244, 8249, 8299
Hospital 8011, 8062Wallet 6539, 6541, 6542, 6543
Supermarket and convenience store,Variety Stores, Retail Store 5261, 5331, 5411, 5499
Insurance 5960, 6300
Charity 8398, 8661
Fast food restaurants 5814

https://media.bobcard.co.in//media/0h5cim12/features-and-rewards-important-terms-conditions-31102025.pdf

 

[Giyu-san]

ANNEXURE 1: LIST OF SELECT MERCHANT CATEGORIES
MCC Category MCC
Agriculture 763,780,820,821,822,823,824, 825
Contractor1520, 1711 ,1731 ,1740 ,1750 ,1761,1771 ,1799
Transportation(Passenger Transportation, PassengerRailways, Bus services, Toll and roadand Bridge Fees and TransportationServices – Not Elsewhere Classified) 4111, 4112, 4131, 4784, 4789
Telecom 4814
Rent 6513
Cleaning and Maintenance, laundry,Personal services (Beauty parlour,barber, Legal and CIVIC services etc) 7349, 7211, 7230, 7276, 8111, 8641
Government 9211, 9222, 9311, 9399, 9402, 9405
Education 8211, 8220, 8241, 8244, 8249, 8299
Hospital 8011, 8062Wallet 6539, 6541, 6542, 6543
Supermarket and convenience store,Variety Stores, Retail Store 5261, 5331, 5411, 5499
Insurance 5960, 6300
Charity 8398, 8661
Fast food restaurants 5814

https://media.bobcard.co.in//media/0h5cim12/features-and-rewards-important-terms-conditions-31102025.pdf

Thanks man.

Wow. Hospitals, transportation, all retail stores even beauty parlours? What?? And they expect us to spend 40k for lounge access? You are right, this card is shit, probably worth keeping for small international transactions if given LTF. I can't think of any other use case for it that I can't cover with Atlas and Amazon Pay. Those who have SBI Cashback even better.

 

[HumorSimpson]

ANNEXURE 1: LIST OF SELECT MERCHANT CATEGORIES
MCC Category MCC
Agriculture 763,780,820,821,822,823,824, 825
Contractor1520, 1711 ,1731 ,1740 ,1750 ,1761,1771 ,1799
Transportation(Passenger Transportation, PassengerRailways, Bus services, Toll and roadand Bridge Fees and TransportationServices – Not Elsewhere Classified) 4111, 4112, 4131, 4784, 4789
Telecom 4814
Rent 6513
Cleaning and Maintenance, laundry,Personal services (Beauty parlour,barber, Legal and CIVIC services etc) 7349, 7211, 7230, 7276, 8111, 8641
Government 9211, 9222, 9311, 9399, 9402, 9405
Education 8211, 8220, 8241, 8244, 8249, 8299
Hospital 8011, 8062Wallet 6539, 6541, 6542, 6543
Supermarket and convenience store,Variety Stores, Retail Store 5261, 5331, 5411, 5499
Insurance 5960, 6300
Charity 8398, 8661
Fast food restaurants 5814

https://media.bobcard.co.in//media/0h5cim12/features-and-rewards-important-terms-conditions-31102025.pdf

So whats left ? RML payments ?

 

[fradela]

Simply waste card for day to day expenses.

Keep for Bank offers and collection.