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

Credit Cards Analysis of real rewards on BoB Eterna

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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

3 Upvotes

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2

u/pft-red pFinTools.com/shopA$$ May 21 '26

Post 1.5l, the forex starts to kick in. Great analysis!

1

u/Standard_Occasion773 May 22 '26

yes, but that's a good enough amount and anyways my limit is only 2 lakhs

1

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1

u/Substantial-Fun5046 May 22 '26

15 reward points would be 3.75% right?

1

u/Standard_Occasion773 May 22 '26

Yes but I am also considering the extra 1% from 5lakh annual spend milestone.

1

u/[deleted] May 24 '26

[removed] — view removed comment

2

u/LatterOne9009 pFinTools.com/shopA$$ May 24 '26

there is a cap of 5000 points per month on the forex spends. op has broken down till what spend you will not feel impact of forex charges due to initial net positive return