BOB Eterna is now becoming a most Un-Popular Choice Credit Card

[jetesh]

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 compared to other banks’ credit cards in the same segment.
7. And achieving a fee waiver is a breeze !
8. Foreign Exchange Mark-up fee of 2%.
9. Buy 1 Get 1 Free Movie ticket via Paytm
10. Welcome Gift of FitPass Pro Membership worth Rs. 15,000.


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BOB Eterna Updates :



CLICK HERE to View Updated Features and Terms & Conditions
CLICK HERE to Download the District App
CLICK HERE for Steps to Avail Your Movie Ticket Benefit
CLICK HERE for Airport Lounge List or Visit DreamFolks : https://info.dreamfolks.in/partner-outlets-list?filter=eUJUVXhNVVI3WGQyWEZZeURxSGJaQT09

 

[Anindya98]

Is there any benefit to keeping Eterna now? I had some use, despite increasing restrictions, however, after new restrictions which became active from 01 January this year, the card has become effectively worthless. I hesitate contemplating any transaction, even on those merchants where I might think it may be rewarding, which is an ever shrinking list. The renewal is up in a few months, and I've not gotten anywhere close to the exemption threshold spends. Lounge visits (spends of >20k I think) doesn't interest me as a feature.

I've held the MasterCard version of the card so far, any benefit in converting to Rupay?

@BVC can shed some more insight on this. He is using Eterna Rupay. @Ram1 @jetesh @SSV also using Eterna.

 

[fradela]

@BVC can shed some more insight on this. He is using Eterna Rupay. @Ram1 @jetesh @SSV also using Eterna.

No benefits for this card.

Simply close and save the annual fee which is very costly. 3,000.

 

[Nishan11]

Is there any benefit to keeping Eterna now? I had some use, despite increasing restrictions, however, after new restrictions which became active from 01 January this year, the card has become effectively worthless. I hesitate contemplating any transaction, even on those merchants where I might think it may be rewarding, which is an ever shrinking list. The renewal is up in a few months, and I've not gotten anywhere close to the exemption threshold spends. Lounge visits (spends of >20k I think) doesn't interest me as a feature.

I have eterna rupay which I use occasionally for UPI spends & big basket discount at times. I converted it from visa infinite last year.

Considering closing it before renewal in September, although I have already crossed 2.5 L on this card which is required for annual fee reversal, I will most probably still close this card to optimize card portfolio.

 

[Sup]

@BVC can shed some more insight on this. He is using Eterna Rupay. @Ram1 @jetesh @SSV also using Eterna.

I'm using eterna rupay. I have received zero points for my upi spends on different merchants. I'm just keeping it for occasional offers just like few useless sbi cards just because I got it ltf. But in your case, it's not worth paying annual fees.

 

[BVCBVC is verified member.]

@BVC can shed some more insight on this. He is using Eterna Rupay. @Ram1 @jetesh @SSV also using Eterna.

I’m using Eterna on Rupay. Got it in 3rd attempt due to stupid BOB application procedure. Use it on Kiwi for decent Kiwis. I’m happy using it on Rupay variant as I get convenience of using on UPI.

- BOGO District (Add on also get)
- 40K Qtr spends UL Domestic Lounge Access
- Merchant Offers for Add On also
- Annual Milestones
- More Lounges covered.

 

[IDontThinkSo]

Is there any benefit to keeping Eterna now? I had some use, despite increasing restrictions, however, after new restrictions which became active from 01 January this year, the card has become effectively worthless. I hesitate contemplating any transaction, even on those merchants where I might think it may be rewarding, which is an ever shrinking list. The renewal is up in a few months, and I've not gotten anywhere close to the exemption threshold spends. Lounge visits (spends of >20k I think) doesn't interest me as a feature.

I've held the MasterCard version of the card so far, any benefit in converting to Rupay?

The card is not worthy enough for your use case.

Only below two cases are worth Eterna for now:

- LTF
- Chargeable - Person holding is a traveller which can meet spends criteria for lounge access and does not have Infinia.

 

[Aegon]

Is there any benefit to keeping Eterna now? I had some use, despite increasing restrictions, however, after new restrictions which became active from 01 January this year, the card has become effectively worthless. I hesitate contemplating any transaction, even on those merchants where I might think it may be rewarding, which is an ever shrinking list. The renewal is up in a few months, and I've not gotten anywhere close to the exemption threshold spends. Lounge visits (spends of >20k I think) doesn't interest me as a feature.

I've held the MasterCard version of the card so far, any benefit in converting to Rupay?

close it and relax

 

[supperman]

Thanks everyone. Appreciate the advice. Overall, based on my usage needs, I don't believe I can make it work, was just checking if there was something I'd missed or if there was any benefit in Rupay conversion, but even that seems dicey.
I'll make an appeal to BoB to convert it to LTF, which I know they won't, despite the fact that I got Eterna very early on and have a decent limit(for PSU card), and used to have a good spend rate; once they reject, I'll close it.

 

[IDontThinkSo]

Thanks everyone. Appreciate the advice. Overall, based on my usage needs, I don't believe I can make it work, was just checking if there was something I'd missed or if there was any benefit in Rupay conversion, but even that seems dicey.
I'll make an appeal to BoB to convert it to LTF, which I know they won't, despite the fact that I got Eterna very early on and have a decent limit(for PSU card), and used to have a good spend rate; once they reject, I'll close it.

If you do not have any other BoB Card, then get the free virtual HP Energie before closing for Bank offers

Highly unlikely to get LTF now, but worth a try before closing or maybe they do reversal.

 

[supperman]

If you do not have any other BoB Card, then get the free virtual HP Energie before closing for Bank offers

Highly unlikely to get LTF now, but worth a try before closing or maybe they do reversal.

Already have the SnapDeal card, which is now an abomination. Any use on the card gives no reward points at all. I've stopped chasing them. While I have it, no other virtual card appears as an option to be applied.

 

[IDontThinkSo]

Already have the SnapDeal card, which is now an abomination. Any use on the card gives no reward points at all. I've stopped chasing them. While I have it, no other virtual card appears as an option to be applied.

BoB has killed almost all of its cards a year ago and are only for credit purpose or bank offers.

 

[Abhishek012]

Is there any benefit to keeping Eterna now? I had some use, despite increasing restrictions, however, after new restrictions which became active from 01 January this year, the card has become effectively worthless. I hesitate contemplating any transaction, even on those merchants where I might think it may be rewarding, which is an ever shrinking list. The renewal is up in a few months, and I've not gotten anywhere close to the exemption threshold spends. Lounge visits (spends of >20k I think) doesn't interest me as a feature.

I've held the MasterCard version of the card so far, any benefit in converting to Rupay?

RuPay variant - UPI spend also eligible for milestone and lounge access spent criteria.

 

[pranjal1984]

Already have the SnapDeal card, which is now an abomination. Any use on the card gives no reward points at all. I've stopped chasing them. While I have it, no other virtual card appears as an option to be applied.

I surrendered Eterna 3 months back. Will surrender LTF Snapdeal and LTF Energie also shortly. Using their cards bring lots of hassle nowadays like non reversal of fuel surcharge, non credit of Reward points, non response from their customer care. BOB should close down their CC business.

 

[supperman]

RuPay variant - UPI spend also eligible for milestone and lounge access spent criteria.

Thanks. Appreciate the information. Unfortunately, that does little to sweeten the card overall, especially considering the high fees.