BOB Credit Card Approval: My Card-to-Card Application Journey!

[Anindya98]

I wanted to share my recent experience of applying for a BOB Credit Card using the card-to-card method. Here's how it went:

I called the credit card representative at my BOB Home branch and inquired about applying for a BOB credit card through the C2C method without requiring physical verification.
C2C Criteria: Minimum 1-year-old CC with 1L limit. I used my ICICI Apay Card with 4.2L which is 1 yr 10 months old.
Application Timeline: Application Date (10/01/2025) -> Document Required (13/01/2025) & I uploaded the doc same day -> Got Verification Call (16/01/2024) -> Card Approved (17/01/2025) (Limit 1L) -> Card Generated (19/01/2025) -> Delivered via Speed Post (24/01/2025)
BOB Snapdeal Rupay LTF Offer - > 05/02/2025 - > Virtual Card Generated (05/02/2025)
TAT: 14 Days
Documents Required: All Soft Copy(PDF) sent via WhatsApp

• Last Month's Card Statement
• Aadhaar card
• PAN card
• A passport-size photo
• The last 3 months Bank Statement asked for via email on 13th Jan

I have been holding the BOB Super Savings Account since September of last year.
The representative filled in all the details on their application portal. They didn't ask me anything regarding my income to fill in the basic details only the office address was asked. All other details were taken from the account.
After completing the initial formalities, she asked me which card I wanted. I said I only wanted a LTF card let's see what the bank is offering then I will decide.

• Select: Chargeable
• Premier: Chargeable
• Easy: LTF

Since I already have cards with higher rewards and value, I chose the Easy(Visa Variant) LTF Card. My primary reason for applying for a BOB credit card was to avail the fantastic offers that BOB cards provide these days, instant discounts, and to get the Snapdeal Rupay Card LTF and Premier/Eterna LTF in the future.

Why did I select BOB Easy?

• LTF
• No Physical Verification
• Only on-call verification (The only question asked was to confirm the card delivery address and nothing else)
• Easy Approval
• The primary objective is to get Snapdea Rupay LTF(Pre approved) within a few months and after 1 year will try to upgrade the card to LTF Premier/LTF Eterna

Why the process doesn't require any physical verification or quite less rejection?

• Agent submits a physical form along with the digital application which shows the credibility of the customer.
• My IDFC Bank statement played an important role for sure, MAB is more than 1.8L, and transactions ranged around 4.2L in the last 3 months.
• BOB account also might have helped not sure maintaining around 24K.
• Some complications occurred with the office address it was changed by the agent on the same day of application.

Fun Fact: They did a limit check of 50K at the time of application in my Cibil and gave me a 1L limit.


Confirmed LTF Status from BOB Card:

If you are thinking of applying BOB card now is the perfect time.
@Vasuki also got Premier simultaneously. Share your experience here.
@cardsduniya also got Easy LTF.
The best part of the process it was paperless and digital.

Spoiler: BOB Card Agent Details

DM ME

Update: I finally received the Snapdeal Virtual LTF offer within 18 days of obtaining the Easy LTF card.

If your BOB Card Application was rejected last time then wait for a minimum of 1 year before reapplying.

 

[VasukiVasuki is verified member.]

I wanted to share my recent experience of applying for a BOB Credit Card using the card-to-card method. Here's how it went:

I called the credit card representative at my BOB Home branch and inquired about applying for a BOB credit card through the C2C method without requiring physical verification.
C2C Criteria: Minimum 1-year-old CC with 1L limit. I used my ICICI Apay Card with 4.2L which is 1 yr 10 months old.
Application Timeline: Application Date (10/01/2025) -> Document Required (13/01/2025) & I uploaded the doc same day -> Got Verification Call (16/01/2024) -> Card Approved (17/01/2025) (Limit 1L) -> Card Generated (19/01/2025) -> Delivered via Speed Post (24/01/2025)
TAT: 14 Days
Documents Required: All Soft Copy(PDF) sent via WhatsApp

• Last Month's Card Statement
• Aadhaar card
• PAN card
• A passport-size photo
• The last 3 months' Bank Statement asked for via email on 13th Jan

View attachment 82235

I have been holding the BOB Super Savings Account since September of last year.
The representative filled in all the details on their application portal. They didn't ask me anything regarding my income to fill in the basic details only the office address was asked. All other details were taken from the account.
After completing the initial formalities, she asked me which card I wanted. I said I only wanted a LTF card let's see what the bank is offering then I will decide.

• Select: Chargeable
• Premier: Chargeable
• Easy: LTF

Since I already have cards with higher rewards and value, I chose the Easy(Visa Variant) LTF Card. My primary reason for applying for a BOB credit card was to avail the fantastic offers that BOB cards provide these days, instant discounts, and to get the Snapdeal Rupay Card LTF and Premier/Eterna LTF in the future.

Why did I select BOB Easy?

• LTF
• No Physical Verification
• Only on-call verification (The only question asked was to confirm the card delivery address and nothing else)
• Easy Approval
• The primary objective is to get Snapdea Rupay LTF(Pre approved) within a few months and after 1 year will try to upgrade the card to LTF Premier/LTF Eterna

Why the process doesn't require any physical verification or quite less rejection?

• Agent submits a physical form along with the digital application which shows the credibility of the customer.
• My IDFC Bank statement played an important role for sure, MAB is more than 1.8L, and transactions ranged around 4.2L in the last 3 months.
• BOB account also might have helped not sure maintaining around 24K.
• Some complications occurred with the office address it was changed by the agent on the same day of application.

Fun Fact: They did a limit check of 50K at the time of application in my Cibil and gave me a 1L limit.
View attachment 82240

Confirmed LTF Status from BOB Card:
View attachment 82233
If you are thinking of applying BOB card now is the perfect time.
@Vasuki also got Premier at the same time. Share your experience here.
@cardsduniya also got Easy LTF.
The best part of the process it was paperless and digital.

Spoiler: BOB Card Agent Details

DM ME

So catch 22 is
Early u get verification call early your application will be processed
But unlike sbi the great u don't get multiple call for address verification & constant fear of
What I miss one call 😅

 

[Ram1]

U shared documents via WhatsApp to the agent?
I feel physical verification didn't happen in this case because agents upload some office/business pic.
W.r.t bob, physical verification depends on person to person, there are many who got card without any verification in online applications too

 

[VasukiVasuki is verified member.]

U shared documents via WhatsApp to the agent?
I feel physical verification didn't happen in this case because agents upload some office/business pic.
W.r.t bob, physical verification depends on person to person, there are many who got card without any verification in online applications too

I got too without any physical verification

 

[BVCBVC is verified member.]

I got too without any physical verification

Lucky you & @Anindya98. For me verification happened twice.

 

[VasukiVasuki is verified member.]

Lucky you & @Anindya98. For me verification happened twice.

You got badass eterna 😂

 

[BVCBVC is verified member.]

You got badass eterna 😂

Applied thrice and got success in 3rd attempt. Let me try to share my success journey soon. But I have utilised it to the fullest already. Rupay Eterna is best Rupay card in my view.

 

[VasukiVasuki is verified member.]

Applied thrice and got success in 3rd attempt. Let me try to share my success journey soon. But I have utilised it to the fullest already. Rupay Eterna is best Rupay card in my view.

What did you do with gym acess 💀

 

[BVCBVC is verified member.]

What did you do with gym acess 💀

Already my Joining Fees is waived off and got good rewards and good discounts on merchants too.

 

[VasukiVasuki is verified member.]

Already my Joining Fees is waived off and got good rewards and good discounts on merchants too.

View attachment 82320

Still what did you do with gym membership 😅
One year resolution 😁

 

[EnthuCC]

I received call from my BoB branch where I have car loan. I don't have any SA there.
I mentioned that I have CC with highest limit of 5L and she said I will get Premiere LTF and Eterna paid. She is unsure about Eterna.

Shall I go for Premiere or Eterna?

 

[BVCBVC is verified member.]

Go for Eterna Rupay if you can meet spends criteria for best results, else go for Premier LTF.

 

[apurba.d1]

Sent dm kindly share the number

 

[Anindya98]

U shared documents via WhatsApp to the agent?

Yes

I feel physical verification didn't happen in this case because agents upload some office/business pic.

This is not the case. Because of this, no physical verification happens. This was additionally attached to the digital application.

W.r.t bob, physical verification depends on person to person, there are many who got card without any verification in online applications too

Yes, but most of the time they do physical verification.

 

[Anindya98]

Sent dm kindly share the number

Let us know if you get the card.

 

[Ram1]

This is not the case. Because of this, no physical verification happens. This was additionally attached to the digital application.

I wish I know this earlier. I would have killed BM & agent to put this form too. I asked there shouldn't be any verification, they agreed & promised me for account basis there won't be any verification.
But i was gone through home verification

 

[Ram1]

Yes

This is not the case. Because of this, no physical verification happens. This was additionally attached to the digital application.
View attachment 82346

Yes, but most of the time they do physical verification.

My friend wanted to apply bob ltf without any verification. He asked nearby branch agent same. He said i will put self employed and put some business pic while applying itself, then there won't be any verification.
When my friend asked about which cards available, he said only easy was available for ltf.

Then i suggested him to go for premier ltf through online why settle for low variant. He did same and was done both home and office verifications and approved premier with 1L limit

 

[sasha]

When did you recive VKYC Link. From 2 days online its showing pending for VKYC but I have not received link.

 

[Anindya98]

When did you recive VKYC Link. From 2 days online its showing pending for VKYC but I have not received link.

For me, Video KYC is not required as I am already a BOB customer.
If you don't receive any link then physical KYC will happen.

 

[althafvly]

I also got BOB Premier LTF this month (January). I applied last year dec 31 2024. Approved after physical verification. I activated the card on 9th jan and confirmed its LTF via mail.

Got a limit of 2L. They might have done C2C, as my highest limit was also 2L. During application i gave them my hdfc savings account info. I also have a bob lite account.

I got a few cards this month. Including sbi,axis and bob.