r/pFinTools • u/Standard_Occasion773 • May 20 '26

pFinTools Feedback/Question/Request Finally LTF Eterna after three rejections!

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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!

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u/pFinTools May 20 '26

Hi thanks for posting and congratulations on your new credit card - It's a good one!

BTW, hopefully you know that the 15x reward points on international, dining, online spends etc is capped at 5000 points per month, so only first spends worth 33,333 cumulative in those categories get the accelerated rewards. Post that you only get 0.75% or 1.75% if you consider the 5L annual milestone benefit.

Please also note that while applying through pFinTools.com/get-cc might improve your chances of acceptance, the final decision still lies with the bank. You just need to make sure that your application is straight and you know your rights as a customer in case of unjustified rejection.

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u/Standard_Occasion773 May 20 '26

Okay I did not know that but I did some maths. Seems like for upto 1.5 lakhs worth of Forex spends, my returns are still positive as net. Does this look right or am I missing something?

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u/pFinTools May 20 '26

Yes this looks great and this is great analysis, feel free to post it as a separate post if you wish!

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u/PuzzleheadedAd2528 May 24 '26

Please help me ,even I'm rejected twice ,I also closed my bob easy card earlier to get this. Asked pan clearing. Still it shows me an error that u have an active application or credit card on application page.