Applied for **BOB Eterna** recently since it’s currently being offered as **Lifetime Free (no joining / annual fee till 31st March)**.

Didn’t expect much from it tbh, but a couple of things stood out – especially the **free Fitpass gym membership**.



**⭐ Main Highlight – FREE FITPASS Pro (worth \~₹15,000)**

* **6 months FITPASS Pro included**
* Access to **2,500+ gyms / fitness studios**
* I got the **FITPASS activation code even before the physical card arrived**
* If you already spend on gym/classes, this alone is solid value



**💰 Reward Points – Actual Returns (“5X” Categories)**

5X rewards = **15 points per ₹100** (online shopping, travel, dining, international spends)

**Redemption value:**

* **1 point = ₹0.25**
* So **15 points = ₹3.75 value per ₹100 spend**

👉 **Effective return = \~3.75%** on these categories



**✈️ Travel & Lounge**

* Unlimited Domestic airport lounge access (Spend criteria: Rs. 40,000 in preceding calendar quarter). 
* Forex markup \~2% (okay-ish for international spends)
* Can be a backup card for lounge if you don't have other cards.



**🍿 Movies & Lifestyle**

* BOGO movie tickets on District app (limited per month)



**Fees**

|**Fee Type**|**Current Offer**|
|:-|:-|
|Joining|₹0 (LTF till 31st March)|
|Annual|₹0 (LTF till 31st March)|



Please add if I missed anything.

LTF Card giving Free Gym Membership worth 15000 - Limited time offer