Bank of Baroda Eterna Credit Card Review

By | April 5, 2021
BOB Eterna Credit Card Review
BOB Eterna Credit Card

Bank of Baroda which runs credit card business under the entity BOB Financial Solutions Limited (formerly known as Bobcards Limited) recently launched a new premium credit card named Eterna.

It is one of a kind due to its high reward rate on accelerated categories like: online spends among others. Here’s everything you need to know about BOB Eterna Credit card,

Joining Fees

Joining FeeINR 2499+GST
Joining Fee WaiverSpend INR 25,000 in 60 days
Welcome Benefit6 Months FitPass Pro
Renewal FeeINR 2499+GST
Renewal Fee WaiverSpend INR 2.5L in 1 yr
EligibilityRs.12L Income p.a.

The concept of fee waiver is very good to see, especially the joining fee which is not common with most premium credit cards.

Rewards

Ongoing Rewards

Spend TypeReward RateMax. Cap (monthly)
Online / Travel / Dining / International3.75%5000
Regular spends0.75%Nil
  • Point Value: 25Ps/point

3.75% return on spend is the highest ever we know of on regular online spends on credit cards. Note that we only get regular rewards of 0.75% on online wallet loads, verified as of April 2021.

Capping of 5000 Bonus points is decent considering other BOB cards. For ex, with BOB Premier the max. cap on accelerated rewards is 2K/month and for BOB Select its 1K/month.

Milestone Rewards

  • 10,000 RP’s on spending Rs.50,000 within 60 days
  • 20,000 RP’s on spending Rs.5,00,000 in a year
  • Return on spend: 1.5% 

So on spending Rs.5L, you get 1.5% on milestone itself and you may also get points as per regular rewards.

Even if 5L is spent on non-accelerated categories, one can get 2.25% return, which is quite attractive.

And not to forget, these rewards can be transferred to cash credit on statement, so they’re highly valuable.

That of course sounds mind blowing and I hope it works the way they promise.

Design

bob eterna credit card design

It looks decent but lacks the wow factor. It might have looked better if they had gone with a different colour combination.

Airport Lounge Access

  • Domestic: Unlimited (via Mastercard)
  • International: Nil

Good to have unlimited access to domestic lounges. Add-on cards too likely to get unlimited domestic lounge access, but can’t comment unless one actually uses them & confirms the same.

No international lounge access though, which is fine in my opinion.

Other Benefits

  1. Paytm Buy1 Get1 Movie benefit: Max Cap: Rs.250, once per month
  2. FitPass Pro: 6 months complimentary membership
  3. Forex markup Fee: 2%+GST

Good to see lower markup fee on the card among other small benefits.

Maximising Eterna

Bank of Baroda Eterna Credit Card - Maximizing Benefits

The sweet spot to maximise the benefit is by spending Rs.41,667 a month (Rs.5L a year, online only) doing which you can grab all of the following:

  1. Reward Points: 95,000 points (75K+20K) equivalent to Rs.23,750 cashback
  2. First year free
  3. Renewal fee waiver

Overall, you can get a maximum of net 4.75% reward rate on 5L spend, which is very generous to see from Bank of Baroda.

There is nothing else you can ask for 🙂

My Experience

bob eterna credit card box 3

I recently applied for the BOB Eterna Credit card to experience BOB services as its my first BOB card.

You may check out the detailed article about my hands-on experience with BOB Eterna Credit card for more info.

How to Apply?

You may apply Bank of Baroda Eterna Credit card offline through branch (or) through the online portal using the referral link below:

Bottom Line

  • Cardexpert Rating: 4.7/5

Its undoubtedly a wonderful premium credit card product for those who know how to make use of it, as 3.75% return is highest ever one can get on regular online spends in India.

However, with the capping of 5K a month on bonus points, it may not suit high spenders. I rather wish they had 10K or higher capping, or at-least a quarterly cap instead.

Anyway, its really great to see such aggressive products from a public sector bank and this makes me wonder if BOB is planning to take BOB Financial that runs their credit card business for an IPO.

What’s your thoughts on Bank of Baroda going very aggressive with Eterna Credit card? Feel free to share your thoughts in the comments below.

361 thoughts on “Bank of Baroda Eterna Credit Card Review

  1. Balaji

    Will Utility Bills, insurance payments be considered as online or other spends?

    Reply
    1. Gaurav S

      I recently checked rent payment are not qualified for 5 x points, I guess for utility/insurance also same policy (not checked yet)

      Reply
  2. AAJ

    Any idea on Insurance spends and what’s cap please? Say we cannot pay 5L on single payment/insurance?
    How to get this card? I don’t have account with BoB, I applied on website, wrote to email ID mentioned, no response for both. Number could not be reached!
    Any idea how to get?

    Reply
    1. Siddharth Post author

      Benefits on Insurance/fuel/wallet spends are always short lived. They will eventually stop once they see high spends, like 5L on single payment.

      Yes, they neither called/responded to my email/sms as well. Branch is the easiest way to get. Fortunately the sales guys are aware of the product.

      Reply
      1. AAJ

        Oh okay, any leads/contact numbers to reach at Bangalore please? Unfortunately do not want to venture out much due to current situation and wfh calls never end 🙁
        Luckily you wrote the article, I submitted on their site about 10 days back. Thank you, as always:)

        Reply
        1. Chaitanya

          Hi..
          I have recently taken the card based on ur review. It’s good. But many things are unclear. Say shopping gives 15 reward points. But what does it include.
          Whether gold purchases give 3.75% rewards.
          The statement doesn’t show rewards earned on each purchase, which makes it unclear

          Reply
      2. Tanmay Lodha

        No, believe me BOBFinancial is not like HDFC etc. They are the most generous credit card company I have personally seen. They will not stop rewards on utility bill payments/fuel/wallet.
        Contact dedicated Eterna customer care number – 1800 103 1002 (24*7)
        Via email, they do reply within 3 days if you are an existing customer. If not then response will be delayed.

        Reply
  3. Murali

    10,000 RP’s on spending Rs.50,000 within 60 days

    Is this benefit every year? As you have used it in your Return on spend calculation?

    Reply
    1. Tanmay Lodha

      No, that’s only welcome benefit, means applicable for the first 60 days of card activation only

      Reply
    1. Tanmay Lodha

      Does Eterna Credit Card provide 15 reward points per Rs. 100 spent *on all types of online transactions like online utility bill payments, wallet reloading*? The keyword mentioned on their website is ”online shopping”.
      Getting mixed answers from BOBFinancial regarding the same.

      Reply
      1. SHARAD TOLWALA

        wallet reloading*? i ALSO WANT TO KNOW THAT BOB IS PAYING FOR WALLET LOADING/ RELOADINGS. REPLY. URGENT

        Reply
  4. Tanmay Lodha

    I am using BOBFinancial card and guys believe me, BOBFinancial is really doing a great job from the past one year. They are surely competing like a Private Enterprise. They offer lots and lots of offer from time to time. Their customer care is also improving but at a slow pace. Major point is that it is without any IVR.
    Now to add more to the content –
    1. Minimum amount spend required to earn reward point – Rs 100
    2. Reward points also provided on fuel transactions
    3. The max capping on accelerated rewards is 5000 points per month but if the transaction is made within the 5000 points monthly 5x cap, then full spend amount will receive 5 reward points which will lead you to earn more than 5000 points (via 5x rule) in a month
    4. If amount denomination is Eg. less than 150, then points will be given on Rs 100 whereas if amount denomination is greater than equals to 150, points will be given according to Rs 200
    P.S – I think you forgot to add CardExpert rating for this card

    Reply
    1. Siddharth Post author

      Ah Yes. Thanks.

      Added 4.8/5
      0.2 less for customer support 🙂

      Reply
      1. Mayank

        SO when are you updating Best Credit Cards List as there are lot of revisions that have happened since then.

        Reply
    2. Siddharth Post author

      “The max capping on accelerated rewards is 5000 points per month”
      – Are you sure about it?

      Reply
        1. Siddharth Post author

          Thanks, updated the article accordingly.

          Btw, Any idea whether BOB follows calendar month or billing month?

          Reply
          1. Tanmay Lodha

            BOBFinancial has only one generic billing cycle – 1st of every month. So ultimately, for BOB credit cards, calendar month and billing month are the same.

        2. Prashant Mane

          I could not see this information on BOB website

          Can you please share the source of this information?

          Reply
      1. Manjunath

        Yes, did talk to cc. 5000 is the cap without any category exclusion. Explicitly asked if Wallet load is considered, they said yes. After cap, regular RR of 3p/100 is applicable.

        Reply
    3. Babu Poomalai

      I didn’t get accelerated points the in the same billing month.I got regular RP + milestone RP for the 1st month. When will the 5x reward points be credited?

      Reply
      1. Tanmay Lodha

        OK so let’s take an example of Select Card (because Eterna 5x points are messed up since the launch). Select gives 5x on online spends with a maximum capping of 1000 points per billing cycle i.e if you spend 20000Rs, you will get exactly 1000 points right. Now, if you do the following tranx : 5000 + 10000. Points received till now : 750pts. Now you do another tranx of Rs25000, *since this tranx falls under the max capping of 1000 points*, what BOB does is on full 25000 spend, they give 5x pts and they don’t split the amount.
        Hence you will earn 5x on full 40000 amount.

        Disclaimer : This is personally experienced by me many times, but obviously not mentioned officially anywhere. I don’t give any 100% guarantee that it will happen with everyone or not.

        Reply
        1. Abhi

          Hi Tanmay, so in your example of 5+10+25 K online transactions on Select, done in the same order, how many points do you get for that month? Is it 1750 or 2000 or something else? (lets ignore the 1000 monthly bonus on 5 transactions).
          Separately, for the 1000 bonus for 5×1000 transactions is considered when 5 transactions are done in a calendar month, or in the billing cycle?
          And in your experience, on Select, when do they credit 1x and by when do they credit remaining 4x in case of online spends?

          Reply
          1. Tanmay Lodha

            In this case, you will get 2000 points.
            In BOB, billing cycle and calendar month is one and the same thing.
            Till October 2020, 5x were received in the same statement on Select, but since November month, 5x on Select as well as Eterna is messed up, only receiving 1x in the same statement, no clue when will they credit the deficient 4x.

    4. Srinivasa

      They have the worst customer support ever. You’re saying it is without IVR. I lost my card and didn’t have the card number. Guess what, there is no way you can talk to customer care if you don’t have card number. Also their email support is pathetic, 2 days to respond and response is also typically robotic without solving real problem. Thier mobile banking app also sucks. I have had horrible experience with these guys. Compare that to service of hdfc guys (I have a regalia) and they need tons of improvement.

      Reply
      1. Tanmay

        Yes, completely agreed, that customer service is pathetic. Regarding IVR, it has been introduced recently, was not present back at the time I wrote the previous comment that your are talking about.

        Reply
    1. Siddharth Post author

      I usually skip them as they’re boring stuff for our readers. 🙂
      Btw, are they giving unlimited lounge access to Add-on too?

      Reply
          1. Tanmay Lodha

            Believe me, BOB credit cards have lots and lots of implicit benefits which are not listed on the Brochure obviously. One can only know about these benefits after using the card wisely.

          2. Siddharth Post author

            Good to know. Would you like to list some of those implicit benefits a bit here?

        1. Harish Raj

          Customer care was not sure about this. He mentioned, mostly it wont be. Do you have a reliable source for this? Or if you haveused it. I am planning to apply for add on cards for my parents. But again dont want them to be embarrassed on visit, if it doesn’t works. Hemce the question.

          Reply
          1. Tanmay Lodha

            Nope, didn’t used till now. Customer care only told me this. But again, would recommend you to write a mail to CRM team and confirm this from your end too.

          2. Harish Raj

            Thank you Tanmay. My email never got any response.
            However, I finally tried using the add on card in Bangalore TFS Lounge.
            I used my card (Primary) to get access. After getting in, asked the Team at the reception to test the Addon Cards to check, if accesses are allowed on this addon cards. She tested – Two add on cards, i had handy – in her system and positively confirmed both Add on cards were eligible for Lounge Access. This was, even after the primary card was swiped for access. Testing Accomplished. 🙂

      1. Rushabh

        I applied for card today and one of the insurance benefit didn’t seem boring 🙂
        1Cr air accidental cover is not surprising but it also offers 10L non air, i.e. you get sort of term insurance of 10L as long as card is active, not just air

        Reply
        1. Shivi

          This card is missing credit shield cover for the “term insurance” to come in picture :p

          Reply
  5. Pavan

    Customer care support is absolutely to be rated in negative. Even after multiple ring there won’t be any response or always busy tone. Customer care executives will give only half information they won’t respond in English it would be difficult to explain and understand what exact trouble consumer is facing. web page is very bad not so easy to access it. Totally not satisfied with the service 😵

    Reply
  6. Pratik

    What about wallet loads ? or payment directly through wallet gateways (eg nobroker via paytm / payzapp) ??

    Reply
  7. Tanmay Lodha

    The biggest questions of my life currently is that Does Eterna Credit Card provide 15 reward points per Rs. 100 spent *on all types of online transactions like online utility bill payments, wallet reloading*? Because on the website, they have mentioned the keyword – ”online shopping”. The sales team is saying that we will get 15 points on shopping/bill payments via ecommerce websites like Amazon/Flipkart etc but not on bill payments via Paytm/Payzapp/other wallet apps. But the Customer care team is saying that we will get 15 points for each and every online transaction no matter what. Someone please clarify this thoroughly. I request Mr Siddharth to get this card as soon as possible and verify the same himself.

    Reply
    1. Hitesh N

      please let us know if you find the answers to this question. Also the cashback redemption is 0.25 per reward point right?

      Honestly speaking if it is for only online shopping sites then i believe we are better off with Flipkart and Amazon cards

      Reply
      1. Tanmay Lodha

        Yes the cashback redemption is 0.25 per reward point. Also, there are 90% chances that it provides 3.75% cashback on each and every online transaction.
        Now only those who have this card can confirm this.

        Reply
      2. Tanmay Lodha

        Hey! I have received the final response from BOBFinancial and that seems to be true.

        My question – Does Eterna Credit Card provide 15 reward points per Rs. 100 spent *on all types of online transactions like online utility bill payments, wallet reloading*?

        BOBFinancial Response – *Yes*, Eterna Credit Card Customer will get 15 reward points for every ₹100 spent on all ecommerce/online purchases. Customer can earn maximum 5000 reward points per statement on his/her spends across 4 spend categories eligible for 5X rewards feature.

        Reply
        1. MT

          Their website says online shopping as 5x category , one can try utility bill payment via amazon , but i am pretty sure this loophole will be closed soon as soon as they start realising their loss , ofcourse another workaround could be to buy physical gift cards and then pay

          Reply
          1. Tanmay Lodha

            No, not via amazon because amazon comes under ecommerce category. One should try from paytm/payzapp etc.
            Moreover, believe me, BOBFinancial is one of the most generous credit card company, hence they will not stop giving 5x points on the mentioned category at least for the coming 3-4 years. I have thorough experience with their credit cards.

  8. Rishabh

    Any reward redemption charges for BOB Cards as it will reduce the overall return then. Anyone aware of it?

    Reply
    1. Tanmay Lodha

      No reward redemption charges in BOBFinancial. Also no surcharge on Railway ticket (IRCTC)

      Reply
        1. Tanmay Lodha

          Yup, you need to have limit of 2lac on Premier card for upgradation

          Reply
      1. MANJUNATH U

        All bank cards don’t charge for redemption of rewards, HDFC charges for online vouchers, gifts, which is a draw back. HDFC has different mindset, in redemption catalog based on card variants.

        Reply
        1. Shiv

          Wrong! Yes bank charges Rs. 100 + GST, so does the SBI. Others may also charge, there are the two I have seen in my case.

          Reply
          1. Tanmay Lodha

            Yup! almost every bank charges reward redemption fees

          2. MrNightStar

            Not fully true in regards to SBI. SimplyClick has no redemption charges.

  9. MAA-traveler

    Looks good and have applied! Hope they approve soon. Currently not in my location as per all address proofs. Any ideas if documents can be submitted online and physical verification is done?

    Reply
    1. AAJ

      How did you apply? Is it on website or you could share some contact number to apply. My trial to reach their customer care, website, email – all failed. Couldn’t reach on branch number too 🙁
      Anyone has contact for Banglore pls?

      Reply
      1. Siddharth Post author

        I just got the call from someone after a week of applying. So you could expect a call from the right person sometime soon.

        Reply
        1. Ramesh Kumar

          I too got call from ASM exactly on 7th day from date of requesting through website and document is collected same day by his team and told will received card within 7-10 working days.

          They confirmed me that all online spending is eligible for 5x and when I asked about the credit limit, they told me since it’s premium card limit starts from 5L and goes upto 20L based on income proof submitted, CIBIL score and usage pattern in the future.

          Reply
          1. Tanmay Lodha

            Have you received the card? Do let us know as and when you receive the same.

          2. Ramesh Kumar

            Not yet, few days ago received application reference number and also I can see new enquiry on my CIBIL. When I checked the status of application it’s shown as under process, also asked the person who collected documents, he told processing is slow due to less staffs working in Mumbai office but BOB will send regular updates through SMS.

          3. Ramesh Kumar

            My application is also showing as under process for more than 20 days seems like struck. When I asked person who collected documents, he told he’ll receive application dump end of month to know exact reason for being struck.

          4. Ramesh Kumar

            Raised complaint to customer care, they confirmed application struck due to not clear photo copy of address proof. So I have shared the same and in next 2 days status changes to approved. But it seems stupid reason, even after their agent did home visit using old uploaded photo copy for address verification.

          5. Ramesh Kumar

            Received the card today after ~45 days from date of document collection. In between application struck for ~30 days due to not clear photo copy but customer never informed about the same until customer follow up with customer care.

        2. Tanmay Lodha

          Have you received the card? Do let us know as and when you receive the same.

          Reply
          1. Siddharth Post author

            It got stuck in some complications. “Should be cleared in a day” is what someone says, since past 20 days!!!

          2. ANKIT SHUKLA

            I received application number on 10th November and apporoved on 14th November physical verification done on 12th verification is too hard and they click photo of home and surrounding. Lets see the limit of Eterna …applied with C2C basic with HDFC limit of 2,10,000. Let’s see the new limit card will received till 20th.

          3. SUNIL PATEL

            Hey Ankit, Can u confirm bob accepted C2C basis application. Also please describe how did you went on with application process and the response thereof.

      2. MAA-traveler

        Applied or rather expressed interest on their site. Yet to hear back from BOB. You can physically try applying from one their bigger branches if possible.

        Reply
        1. AAJ

          Only one option on their site sir 🙁
          Email didn’t get any response too

          Reply
        2. ANKIT SHUKLA

          Mr. sunil patel you can apply by visting big branches of bob another wise apply frome the link upload all related documents and income proof they vist for verification in 1 or 2 days and after verfication card will approved in next three days. If you show only intrest on the website no early response from there side.

          Reply
  10. Mayank

    Will wait for 1 or 2 months till i get full information regarding this card. The 5x points for online spends is not clear as which websites will be considered for the same. Also online payments of utility bills will be considered for 5x or not? Once it get cleared then apply.

    Reply
  11. Shivi

    This, on paper, is turning out to be more rewarding than even Infinia !

    Reply
    1. Tanmay Lodha

      Correct, Infinia without Smartbuy (and also someone who uses credit cards only for rewards points/cashbacks/offers and not for premium facilities like Lounge access, Golf, concierge) then Eterna is much better for him than Infinia.

      Reply
      1. Shivi

        Just on the utility, online spends and at 5L/annual spends itself, it’s quite inviting!

        Reply
  12. Tanmay Lodha

    If someone gets this card as LTF (whose annual spends are not 2.5lacs), then it will be so much rewarding.

    Reply
      1. ANKIT SHUKLA

        No it’s not possible you can get joining fees reverse after acchiving spending milestone

        Reply
      2. Tanmay Lodha

        See I guess, BOB Radiance customers may be offered LTF, but since it’s a new card there is no official confirmation about it.

        Reply
    1. UG

      I got a mail today from Radiance that they are offering this card as LTF. While applying online I was still asked to accept the 2.5k joining and annual fees. Not sure if they will hold up the LTF promotion mentioned in mail sent to radiance customers.

      Reply
      1. Tanmay Lodha

        Ok so Radiance customers are getting LTF, interesting… I guess if you have received the mail, you will get LTF only. What was written in the mail, application needs to be given in branch or online via personalised link? Because if it was a normal online link, then how will the portal know that you are a Radiance customer, so it doesn’t have to charge you fees?

        Doubt about Radiance : I need to get some info about Radiance Program, any way to reach out to you personally?

        Reply
  13. AAJ

    Update after my experience on the application.
    Finally got the call, someone came and collected documents/application form filling formalities.
    Initially they said no points for insurance and later they indicated it does carry after I told customer care confirmed points for insurance.
    5k max for 5x, rest no cap – as per them -just for online, which is good
    Customer care says no points for POS, however person co ordinating says 5 per 100-clueless as of now.

    Reply
    1. Nikhil

      I got the verification call today after submitting application, They took details of my corporate credentials,

      Reply
    2. the_seeker

      tell me more about the application process , what itr are they asking ?

      Reply
    1. Nikhil

      I think, not for now, Like Amex they are too inclined to salaried personals, Verified my Corp Mail ID, company address, Office Landline number

      Reply
    2. Chetan

      If your existing card have more then 2lcaks limit then your eligible to apply .

      Reply
        1. MrNightStar

          Confirmed what Shivi said with customer care. Their customer care is sweet, no IVR, no waiting.
          Only give PRIME on FD.

          Reply
  14. Harish Jindal

    anyone knows whether BOB card online transactions can be performed with static password also (like HDFC cards we can set the static password)?

    And for add on card, can we set the different mobile number (other than primary card holder) to receive OTP for online transactions (like standard chartered has this option)?

    Anyone using the card can please clarify these

    Reply
    1. Tanmay Lodha

      No, BOBFinancial online transactions can only be performed via OTP on registered mobile number. Add-on cards OTP will also go on Primary card holder mobile number only.

      Reply
    1. Tanmay Lodha

      Yes, each and every online payment will be considered as online transaction only.

      Reply
  15. MAA-traveler

    I just saw their promo flier which clearly mentions “eCommerce” spends and not online spends. Even their website mentions “online shopping.” I don’t think we will get 15 points for any online spends or at least BOB will restrict this going forward.

    Received call exactly after 8 days after expressing interest.

    Reply
  16. AAJ

    What is the waiting period after applying? I provided all documents last week, no updates as yet!

    Reply
    1. Shivi

      Usually 14 working days. Works out to be 4-6 weeks depending on the number of public holidays.

      Reply
    2. Satish Kumar Agarwal

      I applied online and 1st call came after almost 1.5 months. Better visit branch for early processing.

      Reply
        1. Satish Kumar Agarwal

          I was talking about BOB Premier card applied 2 months back as that was their top card. Limit is good for start at 3l.

          Reply
  17. MAA-traveler

    Folks who are using Eterna card now, please confirm if we get 15 points /Rs 100 for *ANY* online spends like wallet loading, rent payment, utility payment, NPS, insurance (these are the categories where most card issuers would have any restriction) other than only “eCommerce” or “online shopping.” Sales rep or customer care people mostly won’t know the complete features and can be misleading.

    Reply
  18. Aakash Karnani

    I was holding a Premier Credit Card with them since January
    So I called up the Eterna Helpline they gave me an email id to send the request for an upgrade
    Did send in the request, they asked for an income proof above 12L because my earlier card was processed on card to card basis.
    Shared everything on 23rd October and on 26th October received an SMS for successful upgradation.
    Now awaiting my upgraded card soon in a weeks time
    My experience was pretty smooth

    Reply
  19. MAA-traveler

    BOB rejects my card application!

    “Dear XXX, your application XXXXX for Bank of Baroda credit card is not approved as per our internal policies. Please note that the current decision is in no way reflective of your credit worthiness, and we will be happy to consider your application when you apply again with updated financial information at a later date.”

    Reply
    1. Siddharth Post author

      Were you able to get more detailed reason about the same?

      Reply
      1. MAA-traveler

        @Sid,
        No. I am not present in my address proof location and also I’m having doubts on the 15 points for online spends in medium-long term so it is okay if I don’t have this card and hence choose not to do anything about it.

        Reply
      2. Pratik

        Got similar message. However, the detailed email said that details regarding my permanent address were missing from the application form.

        Once the same is done, it will be processed in 2-3 days.

        Reply
    2. Gautam

      Same here.. I have asked the person who sent a rep to collect my documents to find out. Will update the reason here. Mine was a card on-card application with a limit of >12 lacs.

      Reply
      1. Gautam

        Update – BOB contacted me, sought missing info, and issued me a card.

        Reply
        1. Captain Bishuddha Bharatiya

          Gautam congrats. Could you share how much limit you got in Eterna ?

          Reply
      2. Priyesh Sharma

        How did you apply card to card basis? They denied when I asked from the call center, they stated only payslip or ITR.

        Reply
  20. Nikhil

    My application status shows as approved now, It says card will be delivered in 5 working days. Will update once I receive the card

    Reply
    1. Ramesh Kumar

      Good to know that your application approved.

      How many days it took to update status as approved from time of getting application reference number via SMS? For me, it’s still showing as under process for last 3-4 days.

      Reply
      1. AAJ

        In my case, it went for more than a week under process and i had to call up bank to check; they informed it got stuck at some stage, today it shows approved – hope it doesn’t get stuck anywhere and I receive the card 🙂

        Reply
      1. AAJ

        Not yet Tanmay, it’s in approved stage for 3 days already, any idea how many days post approval one received the card?

        Reply
  21. Ramesh Kumar

    Thanks for your reply. Today call and physical(agent visited home and took pictures of home) verifications are done, never hear of physical verification for credit card and also don’t understand why they took pictures for credit card application.

    Reply
    1. AAJ

      Same here, size of home etc. little too much. But application still shows under process. It’s 2 months since I applied online I guess, 3weeks since documents collected

      Reply
  22. Ankur Pathak

    Finally got this credit card. Applied on C2C basis giving Kotak Credit Card Statement of 2L. First application was rejected may be because I have 26 active Credit Cards. I called the guy who collected documnets and shared my Cibil and Experian Credit score. He discussed with Manager. In next week I got approval of Card.

    Reply
    1. Nikhil

      I got this card today. This is my 20th Active credit card. Immediately I fell in love with welcome kit. It is in a leather pouch with beautifully designed welcome booklet. There is a personalized wallet as well. Only disappointment is that name is printed on card (Not embossed). I suspect it may erase soon. Otherwise card looks great with some 3D effects too. 3.75% rewards on travel & dining (Offline & online) & on all other online spends. (As of now). Even if it stays for 6 months, its worth it completely considering we get 10K bonus points along with Joining fee waiver.

      Reply
    2. Aditya

      Would be great if you can share the details of the 26 cc you have and how do you manage to maintain them.

      Reply
    3. Jay

      Could you please share how to apply on a card 2 card basis ?
      Would I need to visit their branch or is it possible online ?

      Reply
    4. Priyesh Sharma

      How. Did you get the option to apply credit card to credit card? Call center said no such option

      Reply
  23. Ankit Gupta

    The maximum points I can get through accelerated rewards is 5000 points
    Which are equivalent to Rs 1000
    Soo a capping of Rs 1000 cash monthly is pretty underwhelming (ignoring the 0.75 % cashback as it’s very less)

    I want to get this or standard Chartered Ultimate suggest me one
    Does standard Chartered Ultimate also has reward points capping?

    Reply
  24. Gaurav Rai

    Finally received this card today in a premium packaging, though the card in itself looks normal. Guess BOB Financials aren’t so generous like HDFC, AMEX, Axis, Yes Bank, etc when it comes to credit limit, which might change/ increase with usage. This is my first credit card from BOB Financials, so, let’s see how it is going to be.

    Reply
    1. Tanmay Lodha

      Now just for the sake of last confirmation, conduct any online transaction (other than online shopping/eCommerce) via Eterna. Once this transaction will be settled, reward points will be immediately reflected in your BOBFinancial Netbanking. Check and see if you got 15 points/100 spent or not.

      Reply
  25. Saurabh

    Applied for this card on card to card basis on regalia, and it approved within a week. Got call from Credit card officer who processed my application regarding Office address and home address in different cities, explained her about WFH situation and she agreed. Ironically, they have generated my first statement with annual fee before card delivery.

    Reply
    1. Utkarsh Agarwal

      How did you apply it card on card basis? Did you upload card statement for the income proof at the website or applied at branch? Can anyone who applied card on card basis make it clear?

      Reply
  26. Mayank

    Got my BOB Eterna Card on 03 Nov and same day got a message from BOB that statement for OCT month has been generated. Please pay 2948.82/- before 20 Nov.
    Now I want to know from which date the spends will be calculated for Joining fees waiver.
    Also, this spend 50,000 in first 60 days of the year to get 10000 bonus points will be calculated from which date?

    Reply
    1. Tanmay Lodha

      Hey! Just for the sake of last confirmation, conduct any online transaction (other than online shopping/eCommerce) via Eterna. Once this transaction will be settled, reward points will be immediately reflected in your BOBFinancial Netbanking. Check and see if you got 15 points/100 spent or not.

      Reply
      1. Mayank

        Still waiting yaar. I did the transaction on same day 03 Nov. Still the reward points are showing as zero.

        Reply
        1. Tanmay Lodha

          Login to Netbanking > Payment & Statements > Transactions > Unbilled / Unsettled. If that transaction is showing under Unbilled and not under Unsettled, then only reward points will be updated.

          Reply
          1. Mayank

            The transaction is settled, but the reward points are not reflecting. will wait till statement generation.

  27. Himanshu Bhandari

    I applied online and received call from executive for completing the formality.

    Reply
  28. Sandeep

    Quoting the Eterna leaflet received with my card.
    “15 reward points^ on every Rs 100 spent on travel, dining, online & international transactions”

    “^ Subject to maximum of 5000 reward points per month.”

    Looks like they give 5x for all online. Can anybody confirm if rentpay through PayZapp will qualify as online?

    Reply
    1. Tanmay Lodha

      Yes, if they are giving 15 reward points for all online transactions, then rent pay will surely qualify for the same.
      Conduct any online transaction (other than online shopping/eCommerce) via Eterna. Once this transaction will be settled, reward points will be immediately reflected in your BOBFinancial Netbanking. Check and see if you got 15 points/100 spent or not.

      Reply
  29. CHALAM

    Applied online on OCT 16th, Received call from local guy for collection of ducuments on 17th. Collected documents on 19th. Received call from local office on 20th. Received SMS with application number on 26th. status showed under process. within 5 days received call from head centre ( ? Ahmedabad ) for verification. in 3 more days application status turned as card approved and will be despatched in 5 days.
    Waiting for card.

    Reply
    1. CHALAM

      Yesterday received the card with limit of 3L, in a nice box packing . Inside there is a leather wallet like the one which we receive with yes first account. we can self register for net banking and can generate pin online. The net interface is clean and navigate easily for anything ( unlike yes bank which is clumsy ). Card working seamlessly.

      Reply
    2. CHALAM

      The front side of card is just having the names only. Strangely first time i found, the card number printed on mag. strip side . Its not embossed. If the number embossed on front side with golden letters, would have given a premium feel.
      There is no contactless symbol. So I think this is not NFC enabled. not yet experimented.
      Inside online portal, there is option to enable / disable domestic/ international usage. We can set separate limit for POS/ CNP/ ATM. This is always per transaction. ( Not per day/ month/cumulative ) . This is good security feature.
      For online transactions card works only with OTP. There is no Mastercard secure code feature.
      We can apply for add on card from inside online portal by uploading details and id card.

      Reply
  30. Nikhil

    I got personalized wallet along with a note stating that I am first 100 persons to get this card. Card- Name is printed instead of embossed. Otherwise very premium welcome box. Currently giving 5X on all online spends. Even if it stays for some time, its worth it.

    Reply
  31. Amar

    Do existing holders of this or any other BOB card know, when do the reward points actually get posted and the joining fees reversal?
    I made a qualifying spend about 5 days ago, which has been posted but the reward points still show as Zero and joining fees has also not been reversed yet!
    Hopefully it will be done by next statement date.

    Reply
    1. Mayank

      I am also waiting for the same. The reward points are still zero. Its been more than 5 days.

      Reply
    2. Saurabh

      My rewards points are also not posted, it has been 5 days and transactions are settled.

      Reply
      1. Satish Kumar Agarwal

        Reward points get posted only after statement gets generated. So wait for monthly statement which is most likely 1st of every month. But email came on 5th or so.

        Reply
    3. Tanmay Lodha

      It gets reflected as and when the transaction comes under unbilled category from unsettled one.

      Reply
      1. Amar

        Tanmay – Most of us have been using credit cards for a while now and understand the difference between settled and unsettled transactions – Thanks for repeatedly conveying it nevertheless.

        The transaction (dated 4th Nov) was settled on 6th Nov itself. However, reward point tab still shows as Zero.
        I called up the cust care and he mentioned that at his end he was able to see RP posted as 1,002 points for an online (insurance category) transaction of Rs 33,400 i.e. 3 RP per 100.
        I told him as this was an online transaction, it should have fetched 15 RPs per 100 i.e. 5000 RPs and moreover, why is it not reflecting on the portal. He did not have an answer and told me to drop an email.
        Annual fees also has not been reversed till now and the rep mentioned that it will be done in the 4th billing cycle.
        Fingers crossed – not sure what will happen here!

        Reply
        1. Tanmay Lodha

          1. Hey Amar, but you only asked – “Do existing holders of this or any other BOB card know, when do the reward points actually get posted and the joining fees reversal?”
          2. Fee reversal will reflect in the 4th bill statement from the card issuance month, provided all due payments are made.
          3. You may ask the CRM team to rectify the error in their system. Once the issue is resolved at backend, rewards points in BOBFinancial Netbanking will reflect as and when transaction is settled.

          Reply
          1. Amar

            I also said 5 days have passed since the transaction and also that it is posted.
            Posted means settled in card terminology and 5 days is too long for transaction to not settle.
            Please see your comments you have been making again and again on the settled and unsettled thing even though others have also clearly said no points even after transaction was settled.
            The fact as I now understand is that the RPs are not posted for BOB upon settlement; rather it happens after statement generation.
            Appreciate if you comment only after knowing the truth and not confuse others.
            You seem to be too eager to market this card without yourself being fully aware of the features – I wonder why. Going by your timeline on this page, even your first statement would not have generated yet (if at all you have this card) and still you are pushing this card so frivolously!
            Not here to fight – but just wanted to clarify.

        2. Amar

          Got a revert from BOB cards today stating that the incremental reward points will be posted after 2 billing cycles.
          So, it’s 4 billing cycles for annual fee reversal and 2 billing cycles for incremental 4x reward points.
          Seems they have taken a leaf from HDFC in such practice – another one to track in excel now.

          Reply
          1. Tanmay Lodha

            No, I am using BOB Card since two years and for me RPs gets posted immediately after transactions settlement i.e before statement generation (and I guess it is irrespective of the card variant you use). As far as I remember, even I had this problem of RPs not reflecting correctly in my netbanking during the initial days but after complaining to CRM team, it was rectified, Didn’t knew that this problem exists even in 2020 for all new customers too.
            Why would I market this card, the reason for which I am/was excited about this card is that very few people have info about the BOBFinancial cards (unlike HDFC, SBI, ICICI, Axis cards etc) since its at a nascent stage and according to me they had launched a good card that’s why I was very much excited to provide all the information I have regarding BOB Cards. That’s it.

  32. AAJ

    Finally received my card, packing is cool!
    Let’s begin 15x (hope it’s real, it’s better be after such long wait) 😉

    Reply
  33. Rahul

    I already have BOB select credit card, can I get this card also? Means 2 different cards?

    Reply
      1. Bharat Kohli

        Hello Tanmay, I have BOB prime card based on FD. Today I have applied for eterna and attached bank statement as income proof. Do BOB offer Eterna card if someone has already Prime?

        Reply
        1. Tanmay Lodha

          See, BOBFinancial allows only one card per person.
          But since your first card is a secured one, they might offer you Eterna separately. I think if you are eligible, either you will be upgraded or given Eterna separately.. so yeah.. wait till application approval, you will get to know.

          Reply
    1. Tanmay Lodha

      Hey, have you received 5x points on online transactions via Select card (for the transactions done in November month)?

      Reply
  34. Pratik

    Applied on 10th via website. Got update on 13th that the card has been approved. Website shows it’ll be dispatched in 5 days.

    Didn’t expect such fast service from BOB

    Reply
  35. Ishan Tayal

    Has anyone got this card on card to card basis? If yes, what is the eligibility.

    Reply
    1. ANKIT SHUKLA

      Yaa you can get this card on card to card basis but you have another card of more then 2 lacks limit and 1 year old & also let you now as according to their internal policy they are not intrested in self employed only approve for self employed if they have have banking relation with them.

      Reply
  36. Pranab

    Lots of mention regarding Card on Card but none mentioned the procedure.
    Dropped a mail to customer care regarding this, yet to receive any response.

    Reply
  37. CHALAM

    Done all kind of transactions, Offlie, Online Utility etc. The reward points in the dashboard is 0 Zero. Where as go to > Request > Reward point redemption. .. There its showing only 1X received. Need to wait till statement generation.
    They gave leather wallet like one for add on card also.

    Reply
  38. Rishabh

    Finally got the card approved today.
    Applied almost 12days ago, was Under Process since then after I dropped email yesterday to both Support & Grievance mail address and today they approved the card.
    CIBIL Enquiry was visible on 3rd day after submitting the application.

    Applied on C2C basis using HDFC card. No tele, no physical verification nothing.
    Not even submitted documents physically, everything online through an agent. No income proofs, no office email verification as well. Seems good CIBIL score made it easy for bank to approve without any other checks.

    Only downside is process took time for card approval but application process is smooth and convenient.
    Waiting for the card now shall be delivered in 5 days.

    Will update more on card usage/rewards review etc. post using the card.

    Reply
      1. MrNightStar

        I think CIBIL is not so useful after a certain limit. For the past year my CIBIL has ranged from 776-785. WIth current one being 782 (checked using HDFC login) annnnd i’ve been denied axis flipkart and axis freecharge cards. Even Usage doesn’t matter in CIBIL (tried the simulation) and i cross 50-60% of total combined credit limit of different cards.

        Thoughts?

        Reply
        1. Rishabh

          In my case, i think it is becoz of CIBIL they have approved the card without any single verification for my application. Axis have different story there rejection percentage is quite high.

          Reply
          1. Pramtesh

            I have 12 cards. Apart from my 1st Hdfc card. All were card to card basis . But no cibil inquiry was reflected. Recently I applied AXIS ACE . 1 cibil inquiry was reflecting from AXIS.

    1. Bala

      Did you mail your docs to the agent or uploaded in the website. Pls share how did you apply C2C.
      Thanks

      Reply
      1. Rishabh

        Mailed to the email id of the branch shared by Agent. Agent may ask you to share on Whatsapp initially but in my case I insisted to send only on BOB email id.

        Reply
  39. Rishabh

    Any mobile app to manage only Credit card account if no savings account with BoB?

    Reply
    1. Tanmay Lodha

      BOBFinancial Netbanking is there and they are working on the app too.

      Reply
  40. Chetan

    Hi

    I got BOB ETERNA with 5lacks Limit
    Infinia card to card but less limit only got approved
    Looking good let’s check the experience

    Reply
  41. Rishabh

    How to apply for Add-On card any idea? I missed applying for Add-on along with my application.

    Reply
      1. Rakesh

        how long it takes to get Add-on cards ? how many we can get free of cost and did add-on cards get different 16 digit master cards ?

        Reply
  42. Nishant

    Hi,
    Need help on the following please-

    Any one experienced and can confirm if BoB is actually giving 5x points for any type of online txn (like wallet loading, PayZapp, insurance pmt, utility spends, rent payment etc)
    Also, will dining be defined as dining at any restaurant of our choice or only at their partner outlets?
    I believe online food ordering on Swiggy etc will be considered as Online spend?
    How would Travel be defined for the purpose of 5x points? Also, will Uber / Ola spend also be considered as Travel Spend?
    Validity of reward points

    Reply
    1. AAJ

      Looks like for none, I’ve spent 30k odd online, customer care asked me to write to crm email , no response as yet

      Reply
      1. Nishant

        Someone has mentioned that bonus points are credited after 2 billing cycle. If this is correct, then its a negative mark. Who would keep a track of the bonus points. Incremental points should be issued alongwith the base points by the system like Amex does

        Reply
    1. Nishant

      Pay your rent, insurance premiums and big purchase can be made on this card.
      Infact put all major expenses on the card
      You can also take an free add on card so that you and add on member can collectively make purchases to reach milestone

      Reply
    2. Niraj

      When did you apply for card? And, when did they contact you? I have applied on 21st November and nobody have reached me yet.

      Reply
      1. Bhavin Shah

        FInally Video KYC done…it was very swift…so far my entire process is online…..will further update once i receive cards..cheers

        Reply
        1. Bhavin Shah

          Card approved after so many days…. bill generated even before despatch of card. Slow and steady process it appears

          Reply
  43. Ashin John

    Something weird happening with Eterna. I’ve got charged 36% GST instead of 18% for foreign conversion charges. I spent some money on Decathalon, another e-commerce through RazorPay, and done 94K worth of foreign transactions through PayPal. At present, I’ve got only the 10k bonus points and 0.75% points for the entire sum spent. No 5X yet on any of the transactions. Also, the reversal of the 2499 card fee is not yet reflected either. Hoping to get it all rectified or clarified soon from the CRM.

    Reply
    1. Siddharth Post author

      Did they reverse the 18% ?

      Yes. Joining fee reversal & 5X on online spends not coming in 1st bill. Support asks to wait for next bill.

      Reply
      1. Tanmay Lodha

        I would like to inform that I am not getting 5x on online spends on Select card too. Have talked to one more Select user and he also didn’t received.
        P.S. This has happened for the first time (at least for me).

        Reply
        1. Tanmay Lodha

          UPDATE : have received 5x for the month of November in the December statement.

          Reply
      2. Ashin John

        GST got reversed fully along with the 2% currency conversion charges, as of now! Not sure whether it’s a mistake or a gesture from the BOB team. Extremely happy with how it turned out even though it took a month.

        Got card reversal and 4700 Bonus points (300 points was reduced because a 2000 Rs transaction was refunded). I had used the card for 112K hoping that I’d get more than 5000 reward points if the last single transaction exceeds the limit as what another user in this forum(Tanmay Lodha) says. But that’s not the case. I got a total of 4700+3358 rewards points for the 112K transaction made.

        Reply
  44. Nikhil

    I got 3.75% reward rate for all online transactions(rent, bill pay tried everything). points credited after statement generation. another weird thing is that, though 5000 cap is mentioned but i got 5X for all transaction well above the cap. Maybe it is adjusted later on.

    Reply
    1. Tanmay Lodha

      Might be because of this — The max capping on accelerated rewards is 5000 points per month but if the transaction is made within the 5000 points monthly 5x cap, then full spend amount will receive 5 reward points which will lead you to earn more than 5000 points (via 5x rule) in a month.

      Reply
    2. Rishabh

      5x Rewards credited in first statement post transaction or second month statement?

      Reply
  45. Pramtesh

    I applied for Bob Easy Cc C2C with 5lk hdfc Diners Black.
    But I received Eterna. FYF. After 10-11 months I would like to downgrade. Is that possible with BOB

    Reply
    1. Rishabh

      Eterna FYF thats great, never saw anyone got it before as FYF. Have you checked with bank on the same?

      Reply
  46. Pramtesh

    Thanks Captain. The lmt received is 3.15Lk, lesser than my DCB.
    Yes Rishab, I have confirmed at support team. It is FYF.

    Reply
  47. Ishan Tayal

    My application is showing as approved on the portal but there is no dispatch information. After approval how long it takes for the card to be delivered?

    Reply
  48. Rakesh

    How much time it takes to redeem points on Eterna ?
    I have put redemption request on 02 DEC, request shows ‘pending’ until today i.e, 10 DEC.
    Also applied for add-on card online, that one as well in ‘pending’ !

    Reply
  49. Akshat

    A very mixed feeling experience applying for this card. First the positives:

    I was mightily and pleasantly surprised on the adoption of digital solutions by a PSB. The whole process was run electronically and i did not receive any calls, physical visits or even physical document collection. (A first for any bank i have seen)
    Process was run by Signzy and Legality which processed forms etc.

    Now the weird part:
    I applied on the website on 23 Oct which took authorization of mobile and submitted by documents online. On 27 Oct i was invited for a e-signing of forms which were done through e-aadhar method. All fine till now.
    29 Oct I received a message giving out my application number saying it is under process and instantly logging in bobfinancial tracking website returned my application is rejected. Slightly taken aback(never received rejection) I ignored and let go off the card as it anyway wasn’t going to be my primary card.

    For some strange reason on 3rd December I received another message with a new application number mentioning my card is under process. 5 December received another message inviting for a vKYC which essentially is a video call to BOB centralized team with any 3-4 desks who then verified my details physically(or virtually rather) over video call,stuff like PAN card, signature verification and electronic aadhar verification for address purposes.

    Another 1 week wait and today tracking returned card approved and to be dispatched in 5 days.

    Kudos to you Siddharth. Had you not covered it, this card would never have been on my radar. Lately they are running good offline and online offers.

    Reply
    1. Tanmay Lodha

      Glad to hear, I was the first one who wrote mail to Siddharth requesting him to post review on BOBFinancial credit cards, with the only motive that people are not much aware their cards and I felt they are really doing a good job despite being a PSU. Only thing they need to improve is their customer support. Rest everything seems good going.

      Reply
  50. Raghu

    With so many ppl applying it via C2C (card-to-card) basis, can one of you please let us know the process to apply via this channel? Did you apply C2C in branch or online? Any other details on this process will be much appreciated.

    Reply
    1. Sagar

      Raghu,
      On the online application, there is Income proof dropdown: It has i) 2 months bank statement or ii) Competition card front+statement upload options.
      I felt Card front copy is risky. So applied using Bank statement.

      Offline I spoke to Sales guys, everyone is saying competition card front copy is must for C2C basis.

      Reply
      1. Ankur S

        You can give front copy and then block that card and apply for reissue so that you will have a new card.

        Reply
  51. Pankaj Gupta

    “Dear PANKAJ GUPTA, your application 561801### for Bank of Baroda credit card is approved. It will be dispatched in the next 5 working days. For any assistance, email us at ccb at bobfinancial.com or call our toll-free 1800223224.”
    I am getting this status(application status check on website)since 9 working days. On mailing at above address, I get a generic reply that your application is in process . Above mentioned phone number is non existent. Don’t really know how to find where my application is currently stuck. Other customer care numbers are also not able to help in this matter. Is there an escalation route for knowing application/ dispatch status

    Reply
    1. Nishant

      check this link and send an escalation email

      bobfinancial.com/grievance-redressal-mechanism.jsp

      Reply
  52. Utkarsh Agarwal

    Did anyone who did video kyc recieved any confirmation message or any message after the video call with the executive? For me it freezed on a page which said that don’t refresh you will be redirected on another page for status?

    Reply
    1. SAMEERTEZ

      Yesterday, I have faced the same page struck as you mentioned after completing my video kyc. Then I closed the page after some time. Today, I enquired abt the application status which I got earlier, it showed as ” your BOB credit card has been approved wrt reference no. xxxxx and it will be dispatched in 5 working days”. But, sad to know that they haven’t sent a sms regarding card approval until I queried on website. BTW I am now atleast.

      Reply
  53. Tousif

    Can someone you has applied via card to card basis let us know the procedure? It’s been requested a lot of times but none have answered…It would be really great if someone can help with the process.

    Reply
    1. Raghu

      Sagar has replied to my comment above – Pls refer for C2C application process.

      Reply
  54. Bhoom

    While trying to apply online via BOB website for the card , I’m been told to apply for Bob saving account on first page of the application for further procedure. Anyone else facing this issue?
    When did saving account became necessary for applying Eterna Card

    Reply
  55. Witz

    Hi. Suggestiin required from forum members. My application was not approved despite CIBIL score of 835 and high credit limit on other card when applied on c2c basis although my itr is also good but i didn’t apply through that. They mention due to internal policies we are not approving your application and they mention “we will be happy to consider your application when you apply again with updated financial information at a later date.” What else should i do to get my application reconsidered or when to reapply. Thanks

    Reply
    1. Shivi

      Reapply after 3-4 months.
      Clear your report of any errors.
      Keep your balances low for the next 3-4 months.

      Reply
      1. Witz

        Thanks man. How to track errors and clear them? Got rejected for axis flipkart card also. Will retry afyer few months. Thanks

        Reply
        1. Shivi

          Go through your report and see if there are any errors like a loan/card not taken/owned by you yet showing on report or a loan/card closed by you but not updated as closed in report. Those need to be fixed by raising a dispute on CIBIL site/writing to other credit bureaus.
          Some times the banks require you to open an account with them, preferably with a decently high initial cheque amount, and continued transactions for a month or three & thereafter offer/approve your card.

          Reply
    2. Sagar

      Witz, Surprisingly I see that my card is not approved .
      I hold DCB and have 810 credit score. Wondering how Eterna gets approved ?

      Reply
        1. Sagar

          Witz, looks like our applications got rejected because we dont have BoB Savings account. Bhoom comment above on Dec 19th mentioned it as a pre-requisite for Eterna.

          I wonder why BoB cant make it explicitly clear instead of wasting Customer’s time.

          Anyway, I will create a Savings account and try again. Eterna is too good to be missed.

          Reply
          1. Witz

            I have Vijaya bank account now BOB although I don’t do any transactions. Maybe i used c2c basis not itr or may be i am in tier 2 city. I tried reviewing my application by asking manager level but received exactly same reply today again. I think will have to wait 3-4 months although i can’t improve my cibil of 835 or itr any further.

          2. Rishabh

            I got Eterna without any other relationship with BoB. So account is not mandatory to have Eterna card.

            I think it depends on the bank branch processing your card. For me whole process was online and smooth.

  56. Nitin

    Applied for the card online on 7th November. Video KYC done on 5th December. Card shipped on 22nd December. Arriving on the 23d. Smooth process, with no need for physical document hand over.

    Much better than HDFC’s card application process. Got rejected by HDFC for both Regalia and Diners Black, even after providing physical documents with Bank Statements (dinged my credit score as a result). I already had an Amex Platinum Reserve for more than 8 years. Baffled why they rejected it. No reason provided by HDFC even though annual Salary was way above their requirements.

    Reply
    1. Prayag

      HDFC honestly seems to me at that stage where they just don’t give a f*ck anymore. Also, the nature of how their applications approval work internally, a lot has to do with the RM you are assigned. If you have an aggressive, go getter RM, he can even get borderline cases passed through the officers in Chennai. Some RMs on the other hand are not able to get even the high NW accounts approved for Regalia as it happened in your case.

      I’m going through the same right now and that’s another reason why I gave up on Diners Black and going with Eterna.

      Reply
  57. sai narayana

    Dear fellow users, please confirm you are receiving 5X on online spends irrespective of it’s nature or not, and after how long those 5X points are credited immediately or in subsequent statements

    Reply
  58. Pruthvey

    Hi,
    I tried applying online for the Eterna card, but on the last page (Declaration page), im unable to upload documents, repeatedly getting a messaging saying unable to upload photo. Has anyone faced similar issues and if so, what was the workaround used?

    Reply
    1. Witz

      Hi
      Even i an unable to upload documents on reapplying using itr basis. Let me know if you are able to

      Reply
  59. Sai Narayana

    My application rejected within one day by simply saying it’s due to internal policies etc without giving any specific reason.

    Reply
    1. Shivi

      No bank gives reason for rejection. Open a bank account with BoB, use it actively for 2-3 months & then apply again

      Reply
  60. Sahil

    For those who are holding DCB, is there any particular type of transaction where this card could be really beneficial? 10X Insta vouchers/5X Amazon/3X Flipkart for DCB covers most of the spectrum for online spending.

    The only use case where Eterna may be beneficial is Rent and Insurance, where again DCB keeps releasing offers and currently has 2X and 3X schemes respectively. Other utility bills can again be paid via Amazon Insta voucher.

    For wallet loads, i would prefer a combo of Amex MRCC and BOB Select rather than BOB Eterna.

    Reply
  61. Babu Poomalai

    I paid this credit card bill with Yes bank debit card but rewards points are not accrued. Dont we get reward points for credit card bill paid using card! Someone pls confirm on this.

    Reply
  62. PANKAJ GUPTA

    I recieved my card on 19 december, paid rent via payzapp for amount of rs. 54000.
    Now, first statement has been generated on 1 jan 2021.
    * In the first statement, joining fees along with GST has been charged and then reversed (spend criteria)
    *10000 bonus points have been added ( spend criteria, 50000 in first 60 days)
    *For my above payment, I received 15 points per rs. 100 spent, with max cap of 5000 FOR ACCELERATED REWARD POINTS. For calculation sake, base reward points 540 * 3=1620, accelerated reward points 540*12=6480, but restricted to max 5000, so total points given were 1620+5000=6620. Because of this calculation, it appears that they have given extra points as mentioned by some uses earlier.
    So, I think good beginning for this card.

    Reply
    1. Rushabh

      Check your December spends. You would have received both regular and accelerated in same statement. That would sum up correctly.

      Reply
    2. Nishant

      Pankaj
      You got the points correctly. Max capping is always on the incremental points and is exclusive of base rewards points.
      So if 12x points exceeds 5K then you will only get 5K as incremental points + the base (3x) points are always unlimited.
      1620 as base 3x points + 5000 as 12x incremental points = correct points issued and credited to you.

      Reply
  63. Rushabh

    Received 5x rewards (capped to 5k) for November and also for december .

    So looks like accelerated rewards come in same month from now.

    Reply
  64. Nishant

    @Sid – please advise what should I do ?

    I applied online for Eterna on a Card to Card basis and successfully uploaded all the required documents.
    Did my VKYC successfully, and then get a rejection message which also stated the following:

    “If you believe that we have missed something or misread your information or if you have any additional information like additional income, etc. that you wish to submit that might influence our decision, please feel free to mail us at ccb [at] bobfinancial.com and we will be happy to consider the same.”

    I fail to understand which updated financial information is BOB referring to, because I applied on a C2C basis and not basis my financial information.

    Have been writing (rather have escalated also) to them seeking clarification on this but they are not interested to reply.

    Reply
    1. Siddharth Post author

      Keep escalating or go via branch. It took long for me as well.

      Reply
  65. Nishant

    Dear @Siddharth
    You seem to be deleting my comments seeking your guidance upon moderations.
    You are a generous expert in this field and your guidance can be of help for many of us.
    disappointed in this forum.

    Reply
    1. Siddharth Post author

      You hardly waited for an hour and made assumptions 🙂

      Reply
      1. Nishant

        Sorry for this hassle Siddharth.
        Certainly bad on my part. 🙁
        However, something strange on my side, as I see your comments on my phone but they are not visible on my laptop.

        Reply
  66. SAMEERTEZ

    I would like to know whether can we hold 2 different bob cards which reward online and offline individually.

    Reply
  67. Sai Narayana

    At the end of the video KYC, the message displayed was your application is under review. When I tried to go through the video kyc link again, it is throwing the error application is pending at client side but not going forward any more. what to do in this situation. And i am having online esigned application number xxxxxx only, yet to receive any other number.

    Reply
  68. Nipun

    How do we find our application number?

    All I have is the application form number, which the search bar doe not accept.

    It’s been 2 weeks since I digitally signed my application but have not received any confirmation/rejection/video KYC link

    Reply
    1. Bhavin Shah

      For me entire process took 3 months….dont expect anything fast….its a slow and steady race

      Reply
  69. CHALAM

    Bill generated on Dec 1st ( for spends of November ) I just received 1X rewards.
    But in bill generated on Jan 1st ( for spends of December ) I received up to dated 5X rewards for all online spends including utility and wallet fillings, including pending November rewards, also Bonus 10000 for milestone 50000/- spends .
    Annual fee also reversed including GST in the current month bill.
    So far a nice card.

    Reply
  70. Vinayak

    Thanks for the comprehensive review. Cards like SC Ultimate or ICICI Amazon Pay offer a flat reward rate of 3.3% and 1% respectively for ALL except fuel spends. Whereas, the Eterna appears to be vague and restricted to online/dining/international. What if I did a transaction at a hospital or at a pharmacy or at Tanishq ? Is a flat reward rate guaranteed ?

    Thanks.

    Reply
  71. Pranav

    Received my card today but unable to register it at the BoB portal. Upon calling customer care (call connected after 10-15 tries), I was informed that it’s a back end issue and many customers are facing the same problem. Due to this, card is not usable and even pin cannot be set.

    Anyone facing the same or has any solution? I have dropped a mail to the dedicated Eterna email ID.

    Reply
    1. Shikhar Makkar

      Me too, received my card on 25th but not able to create a login. Were you able to do it? Did you receive the card holder?

      Reply
    2. sudheep

      Yes.. am also facing issues. I could set the username and password. But the login page stays as it is. No error message .

      How long it took for you to get the issue resolved?

      Reply
      1. sudheep

        Issue resolved.Could login through EDGE browser. Safari & Chrome still fails.

        Reply
  72. SAMEERTEZ

    Pathetic service of bob credit card. Made a purchase on 17Jan. No reflection in transaction history as on 21Jan i.e even after 4days on credit card login. Lot to improve.

    Reply
  73. SAMEERTEZ

    Surprise! No joining fee charged for my BOB credit card even after 2nd bill statement. May be they waived off being SB acc holder.

    Reply
  74. Deepak

    Hello all,
    BOB Eterna site now says –
    “Please note that 5X Rewards are capped at 1,000 Reward Points on the mentioned categories per month. Further spends in that month on these categories will earn Reward Points at the regular earn rate.”

    Does anyone know if this has this changed now or this is a typo?

    Reply
    1. Siddharth Post author

      Eagle eyes, Deepak!
      My source says it’s “likely an error”.

      This happened before too when they updated the support # wrongly by mistake. It took a week for them to update after complaining about it. So let’s wait for a week and see.

      Reply
  75. Umesh

    My view after going through the details of the card. At first I was amazed that 4%+ cash reward rate and decided to go. However after the deep dive analysis, decided to give miss for below reasons.

    1. The 10000 reward points within 60 days is for 1st year only. So the milestone benefit is 1% and not 1.5%
    2. Spending 41,667 every month in online category won’t give us 75,000 reward points as the accelerated reward points per month are restricted to 5000 only which is 33,333 monthly spend. For rest we would get 3 reward points and the total reward points would be 63,000. So the overall value including milestone benefit would be 4.06% including milestone benefit.
    3. The overall benefit of 4.06% still sounds good.. Isn’t. However it is not for multiple reason.
    a) The above is assuming 41,667 every month and out of which 33,333 accelerated reward category.
    b) For most of the the accelerated categories such as dining, travel, shopping (Amazon, flipkart etc..) and others we already have better reward rates than above (That too without too many restrictions ).

    Feel free to add comments or feedback

    SId – The card may look good for 1st year as there won’t be any annual fee and additional 10000 reward points but the long run benefits are not lucrative. Looking at that the 4.7 rating seems very high. You may want o reconsider it.

    Reply
    1. Pratik

      Hi Umesh,

      Can you suggest any other card with a default reward rate of 3.75% on online spends?

      Also, the amount mentioned by Sid is correct. You get accelerated reward points till 41667 (technically 41700) as the cap of 5000 applies to bonus points and not regular points. So for 41700 spend, one would get 1251 regular points and 5K (1251*4= 5004points capped at 5K). Hence, 6750 points / month, resulting into 75000/ year.

      95K points each year on 5 lac spend = 4.75% return in total.

      Reply
      1. Umesh

        Pratik – Pls check the T&C on the website. It’s 15 reward points for online purchase and capped at 5000 points.

        We can easily get more than 3.75% benefits by using Infinia or Diners black. Using the jnsta voucher , you can easily earn upto 33% ( you get 16.5% even if you get Amazon voucher which is equal to cash)…SC ultima also gives 3.3% benefit which is quite close and without any restriction such as online etc..

        I

        Reply
        1. Pratik

          Umesh, you may like to check the TnC again.

          Using the card since October and I am very certain on the fact that 5K limit is for 4x points and hence the sweet spot is 41667 / 41700. Accumulated more than 40K points in 5 months.

          I am mostly using the card where there are no card based specific offers (like SWIGGYIT, Zomato/ Dominoz sometimes).

          While I agree to the fact that Infinia and DCB gives 33% return. For categories where 10x is not available, BOB fares better as 3.75%/ 4.75% is net cash return whereas for Infinia/ DCB/ SCBU, it is in the form of points.

          Reply
  76. Bharat Kohli

    If one spends 5L yearly and out of which rs 33333 monthly online then cash reward rate would be 93000 points = 4.65% for first year and 83000 points = 4.15% from second year onwards.

    Reply
  77. Witz

    Finally my card got approved and now delivered. I applied again with different contact details but now using the ITR option and not the C2C and also mentioned the employee id of branch rep in case if there is any query/ recommendation from my home branch. The status was “in process” for 3 weeks sent mail to CRM and finally in another week it got approved. I have made my first transaction on 30jan itself to utilize this month as may be my bill will get generated by 1st feb. Thanks Sid, Shivi and others.

    Reply
  78. dealhunter

    is there any cap on BOB eterna card for reward points in a cycle? planning to use it for NPS transaction and earn a spread of 2.75% after deducting NPS fees of 1% . Will also help in reaching annual spend milestone for fees waiver renewal????

    Reply
  79. Sandeep

    Seems like BOB Eterna is deducting reward points earned for NPS transactions. Anyone else observed this?

    Reply
    1. Siddharth Post author

      My points balance is in negative as well but not related to NPS. Either they made a mistake now or before. I’ve escalated and should be fixed if its some new bug.

      Reply
      1. Nishant

        Sid
        What is the process of escalation in Bob financial.
        Please share for benefit of all

        Reply
      2. Mayank

        They have corrected the Points.
        For Phonepe Wallet loading, Amazon Pay wallet loading, Payzapp Wallet loading or bill pay, earlier 5X points were credited. Now they have rolled them back. Only for Paytm and Mobikwik the 5X points are not rolled back till now. Someone else can check and correct me.

        Reply
        1. Ramesh Kumar

          It seems so, I didn’t get 5x for payzapp transactions.

          Reply
          1. Mayank

            Now They have removed 5x points for Paytm wallet also. No more premium card.

        2. sudheep

          This is a bad news if true.. some one please upate..

          I have made multiple transactions both online (Phonepay, amazon) and offline (local shops) since 2nd march, txns getting posted with significant delay.

          Interestingly ZERO reward points yet. It asks me to ‘start’ making transactions to earn rewards:)

          Reply
          1. Amit Gupta

            Go to request tab and then click on redeem reward point. You will be able to see the reward points there. I have received my card a week back and made transaction for around 46K, once they were in unbilled section, Redeem tab shows around 6300 points which seems correct, (5000 + 46000*3/100 ~ 6328)

        3. sanemate

          To be safe though, can we buy amazon vouchers on amazon instead of wallet load? Or even that can be reversed?

          Reply
    2. AG

      Hi, Sandeep, has this been corrected?
      Did you receive the points for NPS transactions? After being removed?
      Cheers.

      Reply
  80. Amar

    Has anyone been able to redeem reward points through their website?
    I raised a request a month ago – still shows as pending. When to customer care and they say they have forwarded to concerned team.

    Reply
  81. Rushabh

    Anyone tried to redeem points? I placed request 2 months back and its still pending.

    Reply
  82. Rushabh

    I was able to redeem my points for cash, it reflected in my account in 2 days. In fact I was able to redeem even the points earned in this month itself.
    Card/Service is getting better now.

    Reply
  83. Pranab

    Repeatedly requested to mention the C2C procedures. But no response?!!!
    One cheap guy even dared to mention that he already mentioned. Ridiculous!!

    Reply
    1. Raghu

      Hi Pranab,
      Check comments around Dec 16. I thought of applying for the card initially but changed my mind later – or else I could have apprised you of the process in detail.

      Reply
    2. SAMEERTEZ

      @Pranab, of course, bob provides cc on c2c basis subject to submission of latest credit card statement, income proof i.e latest ITR documents during online application filling.

      Reply
  84. ABHISHEK

    I have 2 questions:
    1) Are we getting accelerated rewards points on using this card to pay LIC insurance premium online?

    2) How do we calculate if the rewards points are given to us accurately? All I can find in my bill is the total reward points accumulated in a month. No breakdown is given.

    Reply
  85. keerthi

    After 60 days of continuous follow-up with customer care, My card got approved today. The only disappointing factor is the customer service. They dont respond you on time and it is very difficult .

    Reply
  86. Paras Rishi

    The review says 5X rewards also applicable on Travel / Dining / International apart from online spends. Does this mean 5X rewards work on offline use for travel, dining and international?

    Reply
    1. Mukesh Kumar

      Yes..I have spent in some restaurants and got 5x reward points.

      Reply
  87. Kunal Verma

    Did Feb statement got generated for anyone?
    As I have read in this article the statement is generated on 1st..
    I got my card on 24th Feb, have made spends around 40k (paytm mall).
    But I’ve not gotten any statement.. Neither it’s showing on the BoB portal.
    I have some other online spends to do.. so unsure weather to use this card (as monthly accelerated rewards are on 33.34k – 3.75%) or my other card Axis Ace (flat 2%)

    Reply
    1. Siddharth Post author

      I was recently said that the stmt & portal syncs well after 5th/6th of every month.

      Reply
  88. A S

    One of the weirdest Credit card application I have had till date.

    – Didnt want to apply online as I wanted to catch hold of a bank person to follow up personally. So called up the biggest branch in city. They gave a number of 3rd party “lady” and said to call her as they have outsourced Credit card applications

    – Called up the lady. She was just like the usual telemarketers calling /spamming selling us credit cards

    – She offered Eterna immediately without me having to mention it or asking my details. I said OK

    – She asked to send ID proofs, existing credit card (I disabled all transactions for a few weeks to be safe), its statement, etc by whatsapp

    – She said she will fill up the form herself (and sign on my behalf looking at my PAN!!!)

    – She said if people call for verification, dont tell them you applied via whatsapp but by visiting branch (uh??)

    – After a week, got call from BOB verification but missed it as I was in a meeting. Tried calling them back but it was a one way line so would not connect

    – After a week, card got approved. No re-verification call, no physical verification, no video KYC. (Note: I dont hold a savings account with BOB)

    – Received the card. All good. LOL

    Reply
    1. Pranab

      A S,
      My Yes First Preferred was exactly the same way.
      Coming to Eterna, After the article published here, I showed interest online. Got a call from BOB executive, he mentioned I can’t get Eterna (not meeting the salary criteria) but can get lower variant which I declined.
      Later I saw few members posted C2C is possible. But even after repeated requests from many, no one provided the procedure. So I had to find that myself and applied against my HDFC Infinia on 16th Feb, uploaded all the documents. VKYC completed on 18th Feb. But for the next 7 days, it was showing ‘Under process’.
      On 25th Feb, wrote a mail to eterna CC.
      On 27th Feb, it was showing approved (and will be dispatched within 5 days).
      on 2nd Mar, again wrote a mail since the status was still the same. Same day, received mail & message about courier details.
      On 3rd Mar (today), received the e-statement (Cr limit is 1/5th of my Infinia)

      Reply
  89. Jatin

    Visited the branch yesterday but they denied to give card on c2c basis

    Reply
  90. Sudheep

    Holding salary account with Vijaya Bank(now BoB), called up manager and expressed interest for ETERNA. He sent an agent within half an hour, collected signed application & documents .

    2nd day got CIBIL hit 4th day SMS showing application under process , to my surprise name was spelled wrongly. didn’t take any action.

    after a week , got verification call.

    immediately after the call, next CIBIL hit happened. SMS received telling application under process, different application number this time. (seems they have realised spelling mistake in name and created another application – which costed me this additional CIBIL hit) .

    the very next day, application status was showing approved in website, no sms..

    another 4 days, despatch message, next day delivery., overall process took 10-12 days.

    packaging was very nice. credit limit was disappointing though, half of what AMEX gave me with same documents.

    Reply
  91. Kunal Verma

    Do anyone face issues while paying Eterna/BoB Credit Card bills through Paytm/Cred etc?
    I have paid some amount through Cred and some through Paytm.
    But they don’t reflect in the BoB account online.
    And is now really really hard to track how much amount is paid and how much is left.

    Reply
    1. Rohit

      I have tested eterna card bill payment via cred – via cred upi, Amazon, google pay.. It took time but it can be checked online in recent transactions in credit card website.. In some occasion, the payment failed but cred refunded..

      Reply
  92. JITENDRA KUMAR SARAOGI

    please confirm if there is an option to setup auto payment to third party vendors thru this card?
    thanks

    Reply
  93. Pranab

    When will be the iOS app available?
    Also the Android app is showing: This application is not secure for SSL please download again your application.
    Does the Paytm movie offer additionally available on Add-on card?

    Reply
  94. Rohit

    For free lounge access, I had used eterna card twice in GVK lounge access in Mumbai T2 airport,probably in Dec 2020, feb 2021..but today when I tried the message was ‘ not honoured’ .. Pin was correct.. I was confused.I have guessed the reason but not commenting as I am not sure..

    Reply
    1. RAGIB MD IQBAL

      what may be the reason you are thinking of. Please share, it may help someone.

      Reply
  95. Captain Bishuddha Bharatiya

    I requested for upgrade from Select to Eterna. After a very long time they upgraded it. Weird thing is that according to customer care there is no concept of auto limit enhancement in B.O.B. L.E. can only be done after providing financial documents and that too after 1 year. Is it true guys ?

    Reply
  96. Pranab

    Paytm movie offer additionally available on Add-on card. But needed to use separate Paytm account.

    Reply
  97. Sam

    What would be a good limit for C2C application to get processed?
    6lk good enuf?
    Thanks

    Reply
    1. Captain Bishuddha Bharatiya

      I have my Diner’s Black statement with 7.74 lakhs limit and I got 3 lakhs from BOB. A friend gave HDFC’s credit card statement having about 3 lakhs limit and got BOB Select. So yes Rs. 6 lakhs isore than enough for Eterna.

      Reply
      1. Sam

        Thanks Captain. I was looking for a replacement for Amex MRCC . BOB Eterna looks promising. Hows the experience with Eterna?

        Reply
        1. Captain Bishuddha Bharatiya

          I took this card mainly for rewards points and so far I am getting all ( regular and extra ) rewards point.

          Reply
  98. Vinay

    I havn’t received bonus points for my rent pay transaction in the month oh Feb? Anyone facing the same issue?

    Reply
  99. JITENDRA KUMAR SARAOGI

    if there are additional fees for add on card?
    further if benefits will be seperate or will be considered one a/c

    Reply
  100. Ashwin

    Are you guys getting 3.75% on paytm wallet reload…Please confirm

    Reply
      1. Ashwin

        Which card to use now for Paytm wallet reload to maximise value? Amex Platinum travel limit is exhausted?

        Sid, Why don’t you put an article on best cards for Paytm wallet reloads.

        Reply
        1. Siddharth Post author

          How about MRCC (good value upto 20k spend a month) & gold charge cards?

          Reply
          1. Arjun

            I thought it was only good value for 6 k (1500*4).Could you let know in detail about the 20 k spend part.

        2. Priyank Jain

          I have received a message with bill generation without receiving the card itself. So funny!!

          Dear Customer,statement for your BoB Credit Card x002 for Rs 2948.82 is generated. Pay total or min due of Rs 150 by 20/05/21. Pay now at bobfin.in/BILLPAY

          Irony is how do i even pay without receiving the card?

          Reply
          1. Harsh Rastogi

            If your card delivery is delayed. Call the customer care and ask them to give you the card number and card expiry date. They will not give the CVV, but it not be required for doing the payment. That is what I did in Jan.

  101. Ashwin

    Also does this card gives 3.75% on rent payments with Redgiraffe via PayZapp?

    Reply
    1. Ashwin

      Can some help if rent payment on PayZapp through red giraffe gives 3.75%

      Reply
    2. Gaurav Malik

      No..I don’t think so as pre my reading of the comments above the bonus points are no longer given for payzapp transactions.

      Reply
  102. Anon

    Recent comments are not linked correctly. It takes the reader to the top of the article instead of the specific comment

    Reply
    1. Mayank

      Sometimes browser opens the page from cache. try refreshing the page, it will take u to the comment.

      Reply
  103. Ashwin Kumar

    Also does this card gives 3.75% on rent payments with Redgiraffe via PayZapp?

    Reply
  104. Hitesh

    Hi All, Are you still getting 15x for mobikwik wallet reloads?

    Reply
    1. Mayank

      Same query here. This time I didn’t even got normal points for reloading.

      Reply
  105. Amrish Seshan

    Hi, I’ve been thinking of getting this card for the 15x points. From the messages here, i understand that wallet loads don’t get the bonus points anymore, so payzapp+rent payment is out. But i couldn’t find clarity on utility bill payments. Do they still get the 5x points. rent payment done directly on nobroker without going through payapp would get the bonus points or not

    Reply
  106. Pankaj Gupta

    I have received 5X points on paying rent via redgirraffe and payzapp, as well as via nobroker as well as via cred rent pay. I did not get 5X points for paying LIC premium, but submitting a complaint and progressively escalating it, I have been assured in writing via email that I would be getting remaing 4X points in next statement .

    Reply
  107. Anurag

    Hi,
    will i get 5X rewards in tanishqgoldenharvest online, anyone confirms??

    Reply

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