Bank of Baroda Eterna Credit Card Review

By | October 14, 2020
Bank of Baroda Eterna Credit Card Review

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. 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.

Rewards

Regular Rewards

  • Travel / Dining / Online / International – 3.75% (max cap: 5000 RP/month)
  • Other Regular spends – 0.75%
  • Point Value: 25Ps/point

3.75% is highest ever we know of for regular online spends on credit cards. So its an amazing move for sure.

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 spend on non-accelerated categories, one can get 2.25% return on spend, which is quite attractive indeed.

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 hope it works the way they promise.

Maximizing Eterna

The sweet spot to maximise the benefit is by spending Rs.41,667 a month (online, Rs.5L a year) doing which you can walk away with 95,000 points (75K+20K) equivalent to Rs.23,750 cashback + first year free + renewal fee waiver 🙂

Overall its a net 4.75% reward rate on 5L spend, which is generous to see from Bank of Baroda.

Other Benefits

  • Buy-one-get-One Movie benefit: (Paytm). Max Cap: Rs.250 per month
  • Forex markup Fee: 2%+GST
  • Domestic Airport lounge Access: Unlimited (both for primary & add-ons)

Bottom Line

  • Cardexpert Rating: 4.8/5

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.

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.

150 thoughts on “Bank of Baroda Eterna Credit Card Review

  1. Balaji

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

    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
      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
    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. 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.

        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
  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
  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
  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
  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
  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. 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
    2. 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
  23. 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
  24. 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
  25. 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.

  26. Himanshu Bhandari

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

    Reply
  27. 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
  28. 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
  29. 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
  30. 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
  31. 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
  32. Rahul

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

    Reply
  33. 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
  34. 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
  35. 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
  36. 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

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