r/IndianCreditCardz

🚨 *BOBCARD Eterna: The Full Story Behind This LTF Offer*

*BOBCARD Eterna — One of the Most Interesting Premium LTF Cards Right Now!*

BOBCARD Eterna is currently available as a *Lifetime Free (LTF)* credit card, making it particularly interesting for people looking for a premium card without paying an annual fee.

And now, the *FITPASS PRO welcome benefit is back*! 🎉

Here’s a complete breakdown of what you get 👇

🔗 *APPLY NOW:* https://bitli.in/tGNcS9f

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### 💳 1. LIFETIME FREE OFFER

Normally, BOBCARD Eterna comes with:

❌ ₹2,499 + GST joining fee

❌ ₹2,499 + GST annual fee

The annual fee is normally waived only if you spend *₹2.5 lakh in the previous year*.

🔥 *Currently, however, the card is being offered as LIFETIME FREE*, so you don't need to worry about the annual fee or meeting the ₹2.5 lakh waiver condition.

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### 💰 2. 3.75% VALUE BACK ON SELECT SPENDS

Eterna offers *15 Reward Points per ₹100*, equivalent to *3.75% value back*.

You get this accelerated reward rate on:

✅ Online Shopping

✅ Travel

✅ Dining

✅ Movies

✅ International spends

📌 Accelerated rewards are capped at *5,000 points per statement cycle*.

That means the accelerated reward rate applies to up to approximately *₹33,333 of eligible spends per statement cycle*.

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### 💳 3. 0.75% ON OTHER SPENDS

For other eligible spends:

➡️ *3 Reward Points / ₹100*

That's equivalent to *0.75% value back*.

And redemption is straightforward:

*1 Reward Point = ₹0.25 cashback*

So you can use your points towards statement cashback.

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### 🎁 4. ₹2,500 WELCOME BONUS

There's a decent joining benefit as well.

Spend *₹50,000 within the first 60 days* and receive:

🎁 *10,000 Bonus Reward Points*

💰 Worth *₹2,500*

This effectively gives you an additional ₹2,500 benefit for hitting the initial spend milestone.

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### 🎯 5. ₹5,000 ANNUAL MILESTONE

Spend *₹5 lakh during an anniversary year* and you get:

🎁 *20,000 Bonus Reward Points*

💰 Worth *₹5,000*

Since the card is currently LTF, this milestone becomes more interesting because you aren't paying an annual fee to keep the card active.

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### 🏋️ 6. FITPASS PRO IS BACK!

This is the latest addition/reinstated benefit.

Spend just *₹10,000 within 30 days of card issuance* and get:

🎁 *12-month FITPASS PRO membership*

The membership is advertised as being worth *₹48,000*.

📩 The membership code will be sent to your registered email within *30 days*.

⚠️ Important: This benefit is applicable to cards *issued on or after 1 August 2026*.

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### ✈️ 7. UNLIMITED DOMESTIC LOUNGE ACCESS

Another major premium-card feature:

🛋️ *Unlimited domestic airport lounge access*

This can be quite valuable for frequent travellers.

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### 🎬 8. BOGO MOVIE TICKETS

Movie lovers also get:

🎬 *Buy 1 Get 1 Free* movie tickets through the *District app*

Maximum benefit:

➡️ *₹250 off per month*

So that's another ₹3,000 potential annual value if fully utilised.

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### 🌍 9. 2% FOREX MARKUP

International transactions attract a relatively low:

💱 *2% forex markup*

Plus, international spends are also eligible for the accelerated reward category, subject to the applicable reward cap.

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### ⛽ 10. FUEL SURCHARGE WAIVER

You also get:

⛽ *1% fuel surcharge waiver*

Applicable on transactions between *₹400 and ₹5,000*

Maximum waiver:

➡️ *₹250 per month*

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### 🎁 11. VISA INFINITE OFFER — UP TO ₹3,000 VOUCHERS

If you're applying, consider choosing the *Visa Infinite variant*.

There's a separate Visa offer where you can potentially get:

🎁 *₹750 voucher* on a ₹300+ transaction

And it gets more interesting with add-on cards.

You can add up to *3 add-on cards* for family members.

If the primary card + 3 add-ons each complete the qualifying transaction:

💰 ₹750 × 4 cards

🔥 *₹3,000 total vouchers*

That's just *₹1,200 total qualifying spends* across the four cards.

📌 To claim:

1️⃣ Complete the ₹300+ transaction

2️⃣ Visit the Visa Rewards portal

3️⃣ Add your eligible card

4️⃣ Claim your voucher

You can also add multiple eligible cards under the same mobile number and claim the vouchers separately.

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### 📊 QUICK SUMMARY

*BOBCARD Eterna*

💳 Current fee: *LIFETIME FREE*

💰 Normal fee: ₹2,499 + GST joining + annual

🎯 Annual fee waiver normally: ₹2.5L annual spend

💸 Up to *3.75% value back* on select categories

💳 *0.75%* base rewards

🎁 ₹2,500 welcome milestone

🎯 ₹5,000 annual milestone

🏋️ *₹48,000 FITPASS PRO* for eligible new cards

✈️ Unlimited domestic lounge access

🎬 BOGO movie tickets

🌍 2% forex markup

⛽ Fuel surcharge waiver

🎁 Up to ₹3,000 Visa vouchers with add-ons

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### ⚠️ WHO SHOULD CONSIDER THIS?

If you're looking for a card that combines:

*LTF + cashback + travel + lounge + movies + fitness benefits*, Eterna is definitely worth considering.

The combination becomes even more attractive because you're currently getting it *without the usual ₹2,499 + GST annual fee*.

And the reinstated FITPASS PRO benefit adds another interesting layer to the card.

Eligibility:

1. For salaried/self employed income > 12L per annum
2. Age 25 to 55

🔗 *APPLY NOW:* https://bitli.in/tGNcS9f

*Terms, eligibility, reward caps and benefit conditions apply. Check the applicable terms before applying.*

🚨 CSB Jupiter Card users — CHECK YOUR CIBIL!

There are reports of incorrect overdue entries being reported for CSB Jupiter Card, with some users seeing a drop in their credit score.

If you’ve used the card recently, it’s worth checking your credit report through Google Pay, CRED or any other free credit-reporting app.

If you find an incorrect overdue:

1️⃣ Raise a complaint with CSB Bank — email, app/service request, L1, L2 or PNO.

2️⃣ Keep the complaint/reference number and wait 30 days for resolution.

3️⃣ If the issue isn’t corrected, escalate it to RBI Ombudsman.

RBI’s framework provides for ₹100/day compensation for delays in rectifying credit information beyond the prescribed timeline, subject to the applicable conditions.

⚠️ Important: Don’t wait to see if the issue fixes itself. If your report is incorrect, raise the complaint with the bank as soon as possible so you have a clear complaint date.

Check your CIBIL before a wrong overdue causes problems with your next loan or credit card application.

🚨 Flipkart Pay Gift Vouchers are LIVE!

And this could be a pretty big development for anyone who loves stacking credit card rewards. 👀

The idea is similar to Amazon Pay GVs:

💳 Buy with a credit card

🎁 Earn card rewards

🛍️ Use the balance for shopping

📱 Pay for recharges & bills

Flipkart Pay is now entering this space, with its new GVs supporting recharges and bill payments.

And the discounts have already started:

🔥 Axis Grab Deals → 2% OFF

If Flipkart keeps expanding the use cases for Flipkart Pay, we could finally have a genuine alternative to Amazon Pay GVs.

Now the interesting part: waiting for these to land on Woohoo SmartBuy. 😁

That could make things very interesting for reward hunters.

🛒 Buy here: https://grabdealsaxisbank.woohoo.in/en-in/home-page-category/hot-deals/fkpay-corp-qc-egift-card

⚠️ Another Banking Rewards Program Loses Its Shine

IndusInd Indie has announced a fresh round of changes effective 15 September 2026, and they aren't going to please existing users.

💔 No rewards on bill payments

⛽ Fuel rewards slashed for eligible variants

📉 Reward rate reduced to 0.25% with a 500 Gems monthly ceiling

🛫 Lounge access removed

💳 Debit card no longer free — ₹299 + GST applies

The gap between what Indie used to offer and what it offers now is getting wider. Existing users should reassess whether the benefits still justify keeping their current setup.

🔥 ₹1,500 OFF on Weekend Shopping!

Get ₹1,500 instant discount on a ₹2,499+ bill at District Stores using eligible HDFC Mastercard Debit Cards.

📅 Valid Saturday & Sunday only

🛍️ Shop at PUMA, Blackberry, Decathlon and many more.

💡 The best part: ₹1,500 discount is over and above ongoing brand discounts.

For example, PUMA is already running 50% OFF.

👟 ₹5,000 shoes → 50% OFF = ₹2,500

💳 Apply ₹1,500 District discount → Effective price: ₹1,000 🔥

How to avail:

District App → Stores → Select Store → Pay Bill → Scan the QR at the store → Pay using eligible HDFC Mastercard Debit Card.

💳 Eligible Card BINs:

512967, 512968, 517725, 517848, 524254, 526099, 526419, 531209, 531831, 532676, 533136, 541919

If your HDFC Mastercard Debit Card starts with any of these BINs, it should be eligible.

⏳ Limited-time weekend offer, definitely worth checking before you shop!

The IndusInd Tiger Credit Card is one of those LTF cards that makes you wonder why it’s free.

Two standout reasons 👇

✈️ 1:1 transfer to Air India Maharaja Club

🏨 Lounge access with NO spend criteria

Yes, no quarterly spend target just to unlock your lounge visits.

Here’s what you get:

🔥 Up to 6% rewards

• Up to ₹1L → 1%

• ₹1L–₹2.5L → 2%

• ₹2.5L–₹5L → 4%

• Above ₹5L → 6%

The real kicker is the 1:1 Air India Maharaja Club transfer.

So your Tiger reward points can become Air India points at a straight 1:1 ratio, making this particularly interesting for Air India flyers.

✈️ Travel benefits

• 2 domestic lounge visits every quarter

• 2 international lounge visits every year

• No spend criteria for lounge access

And that’s on a Lifetime Free card. 👀

Plus:

💵 500 Amazon Voucher from Visa on new card

🏌️ 1 complimentary golf game/lesson every quarter

🎬 Movie ticket worth up to ₹500 every 6 months

💱 Low forex markup

☎️ Concierge service

If you're looking for an LTF card with Air India 1:1 transfers + lounge access without spend conditions, Tiger deserves a serious look.

Apply here: https://bitli.in/nM4iGpN

Would you keep this in your wallet? 👇

🌍 HSBC is making international spends cheaper again!

From 15 August to 15 September, HSBC Credit Cardholders can enjoy zero forex markup on international transactions.

And there’s more 👀

If you’re travelling to a country covered under the Visa Power Travel campaign, you can potentially stack both offers and maximise your savings.

Perfect timing for your next international trip! ✈️

Swipe your Amazon Pay ICICI Bank Credit Card and earn cashback of ₹ 1,000

Register now by giving a missed call on 6359852636.

Earn cashback of ₹ 1,000 by carrying out at least 2 offline transactions between Aug 01 and Aug 31, 2026

The total amount of the offline transactions should be minimum ₹ 3,000

Register by giving a missed call on 6359852636 to avail the offer

The offer is applicable only for customers receiving the communication

The offer is applicable only on Amazon Pay ICICI Bank Credit Cards

The offer is applicable once per user, per Card, per month.

Offer validity:

The offer is valid from Aug 01 and Aug 31, 2026

🔥 Samsung Tap & Pay Offer

Get ₹100 Amazon Pay Gift Card on every eligible Mastercard Tap & Pay transaction.

💰 Earn up to ₹500

• 1st transaction → ₹100

• 2nd transaction → ₹100

• 3rd transaction → ₹100

• 4th transaction → ₹100

• 5th transaction → ₹100

📱 How to participate:

Samsung Wallet → Promotions → Tap & Pay Offer → Join Now

📅 Valid: 13–31 August 2026

⚠️ Valid while stocks last. T&C apply.

A lot of people have been asking me this 👇

How to apply for an Add-on Credit Card with HSBC?

There are 2 ways to do it:

1️⃣ Via HSBC Mobile App

Go to the Chat/Customer Support option in the HSBC mobile app and request an Add-on Card.

The support team will raise the request and arrange a callback.

⚠️ This process can take a little longer.

2️⃣ Call HSBC Phone Banking - Faster option

📞 Call HSBC Phone Banking and verify yourself using your card number + OTP.

Once connected to a support agent, ask them to transfer the call to the Add-on Card team.

The Add-on Card team will:

• Explain the card features & terms

• Take some basic details of the Add-on Card holder

• Fill out the application form on your behalf

• Send an Adobe DocuSign link to your registered email

You’ll need to digitally sign the form during the process and submit:

📌 Aadhaar

📌 PAN

📌 Passport-size photograph of the Add-on Card holder

And that's it! 🎉

The Add-on Card is generally delivered within 7–10 days after completing the process.

Hope this helps everyone who was confused about the process. 🙌

Lately, I’ve noticed a risky trend: people buying physical Amazon gift cards on Zepto or Blinkit to code as "grocery" spend and earn 10% rewards on credit cards like HSBC Live+ or Equitas Selfe.

The catch? Many are receiving tampered or already-redeemed cards. This leads to an endless, frustrating battle with customer support where it is incredibly difficult to prove you didn't use the funds.

When asked, my advice is always the same: it simply isn't worth the hassle. Mental peace is far more important. Over-optimizing your rewards can easily lead to unrecoverable losses.

🚨 LONG POST ALERT! 🚨

Stay with me — this one needs a proper breakdown because HSBC Live+ has quietly become, IMO, the BEST cashback credit card in India right now. 🔥

And it’s not just about the cashback.

For ₹999 + GST/year, the HSBC Live+ offers an unusually strong combination of cashback + dining + entertainment + travel + lifestyle benefits that is extremely difficult to match at this fee level.

👉 Apply Now: https://bitli.in/ADoRGci

🔥 *Why I rate HSBC Live+ so highly*

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💰 10% cashback — the star of the show

Get 10% cashback on eligible spends across categories such as:

🍽️ Dining

🛵 Food Delivery

🛒 Groceries

🛍️ Shopping

⚡ Utilities

And the monthly cashback cap is now ₹1,200.

That means:

₹12,000 eligible spending × 10% = ₹1,200 cashback/month

👉 ₹14,400 cashback every year

Plus:

✅ 1.5% UNLIMITED cashback on most other eligible spends

So unlike cards that give a great reward rate only in one category, Live+ can act as an everyday cashback card too.

🥇 But the cashback isn't even the whole story

This is where HSBC Live+ gets interesting.

🍽️ *LIVE+ DINING RESERVE*

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From 1 August 2026, Live+ Dining Reserve gives access to DineWithTimesPrime.

You get access to a curated collection of premium restaurants including:

🍴 Indian Accent

🍴 Tresind

🍴 Comorin

🍴 Olive

…and more.

You can also get:

✅ Chef-curated menus

✅ Complimentary beverages

✅ Complimentary desserts

✅ Premium lifestyle privileges powered by Times Prime

And there's more:

🎬 6 months Sony LIV subscription

Plus lifestyle privileges across brands such as Toni & Guy, Sony LIV, TUMI and more.

👉 Details: www.dinewithtimesprime.com/hsbcliveplus

✈️ *VISA INFINITE BENEFITS*

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The card has also moved into the Visa Infinite ecosystem, bringing a much stronger benefits package.

🏨 ITC Hotels

Stay 2 consecutive paid nights and get the 3rd night complimentary, OR get 50% off the 2nd night.

🚗 Avis

Save up to 35% on standard rates + complimentary Avis President's Club membership.

🛫 Airport Meet & Assist

Complimentary Meet & Assist when you have spent more than USD 1,000 abroad in the previous 12 months.

🎬 AND THERE'S MORE...

🎥 Buy 1 Get 1 cinema tickets through District by Zomato.

🎾 Save up to 50%, capped at ₹300, on your first 3 bookings for:

• Pickleball

• Padel

• Football

• Tennis

via District Play.

🎉 *NEW CARDHOLDER BENEFITS*

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You can also potentially unlock:

💳 Up to 3 lifetime-free add-on cards

🎁 Up to ₹3,000 activation vouchers*

💸 ₹1,000 welcome cashback

🛍️ ₹250 Amazon voucher

☕ ₹200 Starbucks benefit

👕 10% cashback on Myntra till 31 Oct 2026

👉 *Potential first-year value: ₹18,850+*

Excluding lounge access, Visa Infinite perks and dining benefits.

🛍️ *AMAZON & FLIPKART — IMPORTANT*

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Don't assume these merchants earn 10%.

Direct purchases on:

🛒 Amazon

🛒 Flipkart

continue to earn 1.5% cashback.

But there are ways to strategically route some spending through eligible categories.

For example, buying from Zepto/Blinkit under the eligible Grocery MCC can potentially earn 10% cashback.

This is where understanding MCCs becomes extremely important.

⛽ *MORE BENEFITS*

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✅ 1.99% forex markup

✅ Domestic + international lounge access

✅ Quarterly fuel cashback

✅ Annual fee waived on ₹2 lakh annual spends

✅ Live+ Dining Reserve

✅ Visa Infinite privileges

And all of this for ₹999 + GST/year.

🏆 *MY TAKE*

————————

HSBC Live+ is currently one of the best cashback cards in India - and arguably the BEST overall cashback + lifestyle bundle at this fee level.

Because you're not just getting:

10% cashback

You're getting:

10% cashback + 1.5% unlimited cashback + premium dining + Sony LIV + lounge access + Visa Infinite benefits + hotel benefits + travel benefits + entertainment offers

🔥 That's the combination that makes Live+ so difficult to beat at ₹999 + GST.

If your spending includes food, groceries, dining, shopping and everyday expenses, this card deserves serious consideration.

👉 Apply Now: https://bitli.in/ADoRGci

Important: Cashback categories, MCC eligibility, caps and partner benefits can change. Always check the latest HSBC terms before applying.

​

Effective 10 September 2026, Amex is removing a massive 30,000 Membership Rewards points from the Spend Milestones:

🔴 ₹1.9L milestone

❌ 7,500 MR points removed — no replacement

🟢 ₹4L milestone

✅ 10,000 MR points - unchanged

🔴 ₹7L milestone

❌ 22,500 MR points removed

➡️ Replaced with a ₹20,000 Taj Experiences e-Gift Card

So, at ₹7L annual spends, you're now looking at just 10,000 MR + ₹20,000 Taj voucher from the milestones.

And honestly, I'm glad I closed this card in March, before its April renewal. 😅

What looked like a tough renewal decision at the time has turned out to be a very good decision in hindsight.

Amex Platinum Travel has lost a big part of what made its milestone structure attractive. 💔

🔥 24K Gold at an Effective Price of Just ₹14.6K/Gram! 🪙

Planning to buy gold? This deal is worth checking out!

💳 With eligible HDFC Bank Credit Cards, you can get:

✅ ₹1,750 Instant Discount

✅ ₹1,900 Coupon Discount (usable up to 5 times per account)

📦 Affiliate Link: 👇

https://link.amazon/B06ACX86S

⚠️ Stocks are limited, and discounts can end without notice. If you're planning to buy, don't wait too long!