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Is BoB Premier Credit Card actually LTF?

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A

aniket_in

TF Neo
Hi Everyone,

I was looking for a LTF BoB credit card, since they usually have many instant discount offers on Amazon.

While applying on their website, after I filled all the basic details, income details, it's showing 3 card variants (Premier, Easy, Select)
Also showed a Credit Limit based on my existing Axis CC limit.

However, I'm confused with the charges, on the card variant selection page, the variants show a "Life Time Free" badge.
But, at the same time, it also shows that charges are waived off on achieving certain spends.

The UI is very confusing, I don't understand, if it's actually unconditionally life time free? or free after achieving the specified spends? (Then technically it can't be called LTF?)

1722328298892.webp

Thanks.
 
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aniket_in said:
On the last page, when it's asking me to e-sign the application with Aadhaar OTP, on that document also, it's written as

"I agree to be charged for the first year credit card annual fee in my first statement."
"PREMIER: First year*/Annual fee** : 1,000/-"

View attachment 63656
Click to expand...
Yes, but do not worry about it. After receiving the card, confirm the same from the customer care on the email.
 
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aniket_in said:
Hi Everyone,

I was looking for a LTF BoB credit card, since they usually have many instant discount offers on Amazon.

While applying on their website, after I filled all the basic details, income details, it's showing 3 card variants (Premier, Easy, Select)
Also showed a Credit Limit based on my existing Axis CC limit.

However, I'm confused with the charges, on the card variant selection page, the variants show a "Life Time Free" badge.
But, at the same time, it also shows that charges are waived off on achieving certain spends.

The UI is very confusing, I don't understand, if it's actually unconditionally life time free? or free after achieving the specified spends? (Then technically it can't be called LTF?)

View attachment 63194

Thanks.
Click to expand...
Earlier it was unconditional ltf(no spend criteria).. now they have changed it to conditional LTF on acheiveing certain spends as given on the website. It's all marketing gimmick just like hdfc does..
 
Upvote 0 Downvote
aniket_in said:
Hi Everyone,

I was looking for a LTF BoB credit card, since they usually have many instant discount offers on Amazon.

While applying on their website, after I filled all the basic details, income details, it's showing 3 card variants (Premier, Easy, Select)
Also showed a Credit Limit based on my existing Axis CC limit.

However, I'm confused with the charges, on the card variant selection page, the variants show a "Life Time Free" badge.
But, at the same time, it also shows that charges are waived off on achieving certain spends.

The UI is very confusing, I don't understand, if it's actually unconditionally life time free? or free after achieving the specified spends? (Then technically it can't be called LTF?)

View attachment 63194

Thanks.
Click to expand...
I got the same doubt. Recieved my card on 15 Jul 24. On it was mentioned 'can be made life time free '. So I sent mail for cancellation of card. They have replied me on mail saying that no charge will be applicable since it issued under life time free offer.
 
Upvote 0 Downvote
aniket_in said:
On the last page, when it's asking me to e-sign the application with Aadhaar OTP, on that document also, it's written as

"I agree to be charged for the first year credit card annual fee in my first statement."
"PREMIER: First year*/Annual fee** : 1,000/-"
Click to expand...
Hi, even am seeing BoB premier as LTF. Did u finally get it as LTF or was it a gimmick??
 
Upvote 0 Downvote
aniket_in said:
Hi Everyone,

I was looking for a LTF BoB credit card, since they usually have many instant discount offers on Amazon.

While applying on their website, after I filled all the basic details, income details, it's showing 3 card variants (Premier, Easy, Select)
Also showed a Credit Limit based on my existing Axis CC limit.

However, I'm confused with the charges, on the card variant selection page, the variants show a "Life Time Free" badge.
But, at the same time, it also shows that charges are waived off on achieving certain spends.

The UI is very confusing, I don't understand, if it's actually unconditionally life time free? or free after achieving the specified spends? (Then technically it can't be called LTF?)

View attachment 63194

Thanks.
Click to expand...
Treat this as conditional LTF with fee waiver criteria. You can ask CC to make it LTF by delaying activation as already suggested by someone.
 
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pinki said:
CURRENTLY NOT showing any LTF badge on site , is this offer revoked for now??
Click to expand...
No I mean I just applied on 26th of this month. Just screen recorded the thing wherein ltf offer was mentioned on premier along with the application number. They better provide written communication on email about the ltf status or things will be escalated to RBI Ombudsman
 
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Trump said:
No I mean I just applied on 26th of this month. Just screen recorded the thing wherein ltf offer was mentioned on premier along with the application number. They better provide written communication on email about the ltf status or things will be escalated to RBI Ombudsman
Click to expand...
It's still LTF. I applied on 26th also
 
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