Regarding BoB radiance requirement

[vijay.vj]

Can someone help me with BoB Radiance banking requirements/eligibility.

Like how much IP/MAB required to open BoB Radiance account...
If salary account, how much per month salary needed.

Asking here in few thread because I couldn't find this info in their website or in our forum.

I'm mostly looking for eterna LTF.

 

[SSV]

When I applied eterna on April 1st, I had 49-50 enquires. 90 % of them are after joining this forum last year June. Not even 1 year completed in forum yet 😂.

So I don't think enquiry is issue. That physical kyc guy must have messed up somewhere.

your total enquiries in the last
1) 3 months
2) 6 months
as on Eterna application date pls...

if not for no of enquiries , it could be over leverage might have caused the issue for me ... same as my SBI rejection due to high leverage

 

[Nishan11]

your total enquiries in the last
1) 3 months
2) 6 months
as on Eterna application date pls...

if not for no of enquiries , it could be over leverage moght have caused the issue for me ... same as my SBI rejection due to high leverage

Even bank never asked such questions to me so far for giving credit cards 😂

Applied eterna on 1st April.

Enquiries in last 3 months ( Jan-Mar ) :- 14

Enquiries in last 6 Months ( Oct 23-Mar 24 ) :- 20

I got my first credit card from SBI, that is SimplyClick. SBI gave me 2nd card vistara after talking with BM as I have salary account with them, govt officer & couple of big FD.

Previously they used to reject my second card application, due to over leverage.

 

[SSV]

Even bank never asked such questions to me so far for giving credit cards 😂

Applied eterna on 1st April.

Enquiries in last 3 months ( Jan-Mar ) :- 14

Enquiries in last 6 Months ( Oct 23-Mar 24 ) :- 20

I got my first credit card from SBI, that is SimplyClick. SBI gave me 2nd card vistara after talking with BM as I have salary account with them, govt officer & couple of big FD.

Previously they used to reject my second card application, due to over leverage.

yeah, no of enquiries are similar to my profile..
So it must be over leverage , the issue for my Eterna rejection.. They denied for reconsidreation also..
They did not ask for any futher docs as well... Anyway I need to close the unnecessary cards it seems..
The problem is , the cards with shared limit are duplicating and triplicating the total CL in CIBIL..
My Tata Neu Infinity adding extra 8L and AXIS is adding extra 6.4L ( for total 3 cards).. these are all adding up... cant do anything about these..
Let me see ,

 

[Nishan11]

yeah, no of enquiries are similar to my profile..
So it must be over leverage , the issue for my Eterna rejection.. They denied for reconsidreation also..
THey did not ask for any futher docs as well... ANyway I need to close the unnecessary cards it seems..
THe problem is , the cards with shared limit are duplicating and triplicating the total CL in CIBIL..
My Tata Neu Infinity adding extra 8L and AXIS is adding extra 6.4L ( for total 3 cards).. these are all adding up... cant do anything about these..
Let me see ,

I am also facing same issue. I have 5 icici cards under 3 account in cibil, each account shows 10 L each. Similarly i have 3 axis cards under 3 accounts in cibil, showing 10 L each. That's why there is over leverage issue I assume.

I will keep Apay & Sapphiro dual, and close other icici cards soon. Similarly, I will keep Airtel & Atlas, and close privilege.

 

[vijay.vj]

yeah, no of enquiries are similar to my profile..
So it must be over leverage , the issue for my Eterna rejection.. They denied for reconsidreation also..
They did not ask for any futher docs as well... Anyway I need to close the unnecessary cards it seems..
The problem is , the cards with shared limit are duplicating and triplicating the total CL in CIBIL..
My Tata Neu Infinity adding extra 8L and AXIS is adding extra 6.4L ( for total 3 cards).. these are all adding up... cant do anything about these..
Let me see ,

I have same problem with Axis... now with swiggy card, HDFC also joined the race.

 

[vijay.vj]

yeah, no of enquiries are similar to my profile..
So it must be over leverage , the issue for my Eterna rejection.. They denied for reconsidreation also..
They did not ask for any futher docs as well... Anyway I need to close the unnecessary cards it seems..
The problem is , the cards with shared limit are duplicating and triplicating the total CL in CIBIL..
My Tata Neu Infinity adding extra 8L and AXIS is adding extra 6.4L ( for total 3 cards).. these are all adding up... cant do anything about these..
Let me see ,

I wanted to apply for yes rupay card, mainly for its monthly offer but then not doing it cuz of over utilization.

 

[SSV]

I have same problem with Axis... now with swiggy card, HDFC also joined the race.

I wanted to apply for yes rupay card, mainly for its monthly offer but then not doing it cuz of over utilization.

That is why we need to get cards from the following in the early stage of our CC portfolio build up..
1) SBI
2) BOB..

Will add more to this list as and when info is confirmed

 

[vijay.vj]

That is why we need to get cards from the following in the early stage of our CC portfolio build up..
1) SBI
2) BOB..

Will add more to this list as and when info is confirmed

I was told a solution by SBI Agent... may be someone can throw some light or confirm it.

Apply from any of your family member for SBI card, with add on card on your name.
Later ask customer care to cancel primary card... I was told that now add on card will become primary card.

Not sure if it works this way but didnt try it. I did apply from family member, now watching the application stuck since 2 weeks after KYC

 

[jetesh]

Did anyone use a BOB Opulence debit card outside India?

I mean, accessing the International Lounge through a BOB Opulence debit card?

Please share your experience.

 

[aayusharyan]

Did anyone use a BOB Opulence debit card outside India?

I mean, accessing the International Lounge through a BOB Opulence debit card?

Please share your experience.

I don't think one can, lounges don't recognize international cards. Most likely accompanying Dreamfolks or Priority Pass.
I can be wrong, please correct me.

 

[jetesh]

I don't think one can, lounges don't recognize international cards. Most likely accompanying Dreamfolks or Priority Pass.
I can be wrong, please correct me.

There are a lot of new options these days.

One has shared his experience with the IDFC Wealth Debit Card, and the other has shared his experience with the PNB Platinum Credit Card. Someone else in this forum has also shared their experience with the Rupay Select Debit Card.

All these cards were swiped directly at the lounge.

 

[aayusharyan]

There are a lot of new options these days.

One has shared his experience with the IDFC Wealth Debit Card, and the other has shared his experience with the PNB Platinum Credit Card. Someone else in this forum has also shared their experience with the Rupay Select Debit Card.

All these cards were swiped directly at the lounge.

Intersting... I will try mine some time.
Just to clarity, we are talking about International lounges and not lounges at international terminal, right?

 

[jetesh]

Intersting... I will try mine some time.
Just to clarity, we are talking about International lounges and not lounges at international terminal, right?

Yes, International lounges outside India.

 

[jetesh]

Intersting... I will try mine some time.
Just to clarity, we are talking about International lounges and not lounges at international terminal, right?

Check this one..... IDFC Wealth debit card at international lounge : https://www.technofino.in/community/threads/idfc-wealth-card-lounge-experience-at-nyc.13853/

 

[aayusharyan]

Check this one..... IDFC Wealth debit card at international lounge : https://www.technofino.in/community/threads/idfc-wealth-card-lounge-experience-at-nyc.13853/

Interesting, I'll try my IDFC wealth DC in my next trip. I think maybe it will be in about 3 weeks, haven't booked tix yet.

 

[jetesh]

Interesting, I'll try my IDFC wealth DC in my next trip. I think maybe it will be in about 3 weeks, haven't booked tix yet.

Great! Later, share your experience with us.

 

[aayusharyan]

Great! Later, share your experience with us.

Definitely! + 3

 

[SSV]

Opened BOB Adv SB account.
Visited the branch nrear to me ,8 mins walk..
account opening done in 30 minutes with Pan, aadhar and a PPP..

Agreed to open Radiance with 10L IP , BM said he would try his level best to open with 10L as I am true NTB .. for some reason if it doesn't get approved then I need to fund 30L..
FYF Eterna was also promised based on Radiance...

 

[vijay.vj]

Opened BOB Adv SB account.
Visited the branch nrear to me ,8 mins walk..
account opening done in 30 minutes with Pan, aadhar and a PPP..

Agrrred to open Radiance with 10L IP , BM said he would try his level best to open with 10L as I am true NTB .. for some reason if it doesn't get approved then I need to fund 30L..
FYF Eterna was also promised based on Radiance...

View attachment 58092

Isnt Eterna LTF with Radiance?

 

[SSV]

Isnt Eterna LTF with Radiance?

No it is not ..It is a complimentary