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Unlocking Hidden Value: My Experience with BOB Eterna.

Vineet Kumar

TF Premier
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.
 
Use SBI cashback for 5% online
I will use that as well. You know how much hospitals charge for surgery! So will need to use all the cards.
It's just 35k you can spend max per statement to get 5k points that is 1250rs cashback that's all this card is all about now.
It used to be Rs 41667 to get max 5x benefit. Has it changed now? Also, would most online spends give 5x unless excluded specifically?
There is a special offer of 1000 rewards on Rs 25000 spend increasing the return by 1%.
 
I will use that as well. You know how much hospitals charge for surgery! So will need to use all the cards.

It used to be Rs 41667 to get max 5x benefit. Has it changed now? Also, would most online spends give 5x unless excluded specifically?
There is a special offer of 1000 rewards on Rs 25000 spend increasing the return by 1%.
Calculate how much you can spend for 5x of 5000 points.
 
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