u/Standard_Occasion773

I just got the BoB Eterna CC after three rejections only to realize that the 15X rewards on Forex, international and dining are capped at 5000 points per month. But it is still better than no forex no rewards cards up to spends of 1.5l in a month.

Link to previous post - https://www.reddit.com/r/pFinTools/comments/1tipgs8/finally_ltf_eterna_after_three_rejections/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

I have been a long time BoB customer and by the time I realized it wasn't the best bank, I had too many financial links to that account as it was my primary an only account. I tried applying to the Eterna when it wasn't even a thing and was denied twice at least. Last year when it became free, I applied again and denied. Then I stumbled across this sub and some posts where people got Credit Card with admin help.

Texted the admin and applied from the pFinTools website with their guidance and I still thought I was being offered BoB Cashback only, but turns out the Eterna offer was also there as the offers page had a carousel and voila!

Super happy that I got a card that gives a net positive return on International spends rather than the pretty gimmicky zero forex, zero rewards/milestones card. This would be perfect if it also had international lounge access, but hey it's LTF so can't really complaint!