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Unlocking Hidden Value: My Experience with BOB Eterna.

Vineet Kumar

TF Select
VIP Lounge
As a seasoned credit card user, I've always been on the lookout for cards that offer more than just flashy perks. And boy, did Eterna surprise me!

Over the past year, I've casually been earning and redeeming reward points with Eterna without giving it much thought. But recently, spurred by curiosity, I decided to crunch some numbers. To my amazement, I discovered that I had redeemed a staggering 97,584 reward points accumulated over the preceding 12 months until March 2024.

What's even more jaw-dropping is the real cash value I reaped from these points – a whopping Rs. 24,396! And here's the kicker: most of these points were earned incidentally, including a generous 30,000 points from joining and annual spend milestone benefits.

Now, let me set the record straight: Eterna wasn't my go-to card for major expenses. In the last year that honor typically went to heavyweights like Amex Platinum, ICICI Emeralde, and HDFC Diners Club Black (of course - Infinia being a late entrant). However, when I reflected on utility and rewards combined, Eterna emerged as the unsung hero of my wallet.

But the perks didn't stop at cashback. Eterna also came bundled with a FitPass membership, which I fully utilized for 3-4 glorious months in New Delhi. Picture this: mornings at the gym, evenings by the swimming pool, and weekends sparring in boxing classes – all thanks to the unlimited access granted by my FitPass.

And the cherry on top? I acquired Eterna as a Lifetime Free Card (LTF)! Who would've thought that a card often dismissed as 'not an Ace' could deliver such value?

So here's to Eterna – the card that proved me wrong and exceeded my expectations.
 
bro payzapp has one thing extra, a virtual card, which we can use mostly just like a regular card on any website. So although amazon gv can be procured at 2x-2.5x better discount, there is still a use case for payzapp, and a pretty big one imo.
PZ charges 1.78% when loading cash to PZ wallet using BoB Eterna. any work around this?
 
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