BOB Eterna Credit Card Review: Unlock Hidden Benefits

Unlocking hidden value with the BOB Eterna Credit Card can be a game-changer! Over the past year, I discovered the true potential of this often overlooked card by accumulating and redeeming significant reward points effortlessly.

Introduction to BOB Eterna

As a seasoned credit card user, I am always on the lookout for ones that offer more than just flashy perks. The BOB Eterna card pleasantly surprised me with its myriad benefits and rewards. Let’s dive into my personal experience and crunch some numbers.

Reward Points and Cash Value

In just the last 12 months, I’ve managed to redeem a staggering 97,584 reward points! The real cash value of these points? An impressive Rs. 24,396. These points were accumulated mostly incidentally, including 30,000 points from joining and annual spend milestone benefits.

How I Earned These Points

The BOB Eterna wasn’t my primary card for major expenses. Instead, it acted as the unsung hero supplementing my other heavyweights like Amex Platinum and ICICI Emeralde. Combining utility with rewards, Eterna outshone my expectations.

Perks Beyond Cashback

Beyond cash value, the BOB Eterna card provided a FitPass membership. For several months, this perk allowed me unparalleled access to gyms, swimming pools, and boxing classes across New Delhi.

Lifetime Free Card Advantage

One of the most significant advantages is that I was able to acquire the BOB Eterna as a Lifetime Free (LTF) card. This benefit alone makes it a valuable addition to anyone’s wallet.

Comparing Eterna with Other Cards

While cards like Axis Magnus and HDFC Diners Club Black offer high returns, the BOB Eterna provides consistently good benefits without the hassle of tracking multiple categories and exceptions.

• Amex Platinum
• ICICI Emeralde
• HDFC Diners Club Black

What’s noteworthy is that Eterna often provides returns in non-standard spending categories that other cards do not cover effectively.

Maximizing BOB Eterna Benefits

To maximize the rewards from this card, consider channeling expenses like air travel bookings and school fee payments through it. Using Eterna in conjunction with Payzapp can further enhance the value.

Final Thoughts

The BOB Eterna might initially seem like a card with moderate benefits. However, when fully explored, its hidden values stand out. Cheers to the Eterna – the card that exceeded my expectations and brought hidden benefits to light!