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.

 

[Anindya98]

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

Which cards ?

 

[Ram1]

I also got BOB Premier LTF this month. 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.

Wow getting 2L for premier card that too for c2c is impressive

 

[shu_sha]

Isn't BOB Premier running LTF these days?

I applied for BOB easy 6 months back during the verification call I asked the agent to cancel this application as I wanted to apply for BOB Premier Rupay LTF but instead he rejected my application.

Escalated to PNO but nothing happened they didn't considered my application for Premier and had asked me apply after 6 months.

6 months had already been passed now will apply for premier LTF in Mar month 😄

 

[Anindya98]

Isn't BOB Premier running LTF these days?

For me, it showed chargeable as per the agent.
I will also upgrade to Premier LTF after 1 year from Easy LTF. Luckily they gave me a 1L limit which will be easy to upgrade. BOB Premier card floor limit is 50K.
My primary objective was to get the card without verification and generally, I used it for instant discounts that's why the card variant didn't matter to me.

 

[althafvly]

Which cards ?

Sbi cashback, axis myzone.

 

[Anindya98]

Axis Myzone

Axis Myzone LTF offers for ALL live now. Offer Period: 1st Feb to 28th Feb 2025

 

[shu_sha]

Axis Myzone LTF offers for ALL live now. Offer Period: 1st Feb to 28th Feb 2025

Is this card good to be considered?

 

[Anindya98]

Is this card good to be considered?

It is a basic card, good for instant discount offers, making it valuable considering its LTF.

Post in thread 'Which Debit or Credit Card Have You Closed (or Plan to) in 2025 & Why?'

Friday at 9:23 PM

How will Myzone be better?

• Sony Liv 1 year subscription
• Rs.200 BOGO offer via District App
• Swiggy Offer
• 4 Edge Rewards Points per 200 spent
• 15% Off Eazydiner Offer

Considering you only use the card for instant discount offers. As @nh124001 only has 1 Axis Card, I think he uses it for instant discounts only.

• Anindya98

• 

 

[shu_sha]

Insta reels showed me the add for BOB Premier LTF (not sure if insta is really following our conversations 😜)

Immediately applied for BOB Premier LTF, I had also an option for Eterna but it was a chargeble card hence went for Premier LTF.

Application filling was smooth enough
Uploaded all the relevant documents and completed the process in just 10 mins.

Showed me the CL of 3L for now.
Hopefully should get the card approved soon as well

 

[its_karan]

I also got Premier LTF last month

• Applied : 15/01/2025
• Received Physically: 25/01/2025

BOB the builder was fast this time. Good Experience for a change.

 

[shu_sha]

I also got Premier LTF last month

• Applied : 15/01/2025
• Received Physically: 25/01/2025

BOB the builder was fast this time. Good Experience for a change.
View attachment 82496
View attachment 82497

What's the CL they have given?

 

[its_karan]

What's the CL they have given?

1.75 L after showing 3L

typical BOB the builder

Hathi ke dikhane daant aur Khane ke aur

 

[althafvly]

Insta reels showed me the add for BOB Premier LTF (not sure if insta is really following our conversations 😜)

Immediately applied for BOB Premier LTF, I had also an option for Eterna but it was a chargeble card hence went for Premier LTF.

Application filling was smooth enough
Uploaded all the relevant documents and completed the process in just 10 mins.

Showed me the CL of 3L for now.
Hopefully should get the card approved soon as well

View attachment 82495

You will have to wait atleast 1 week to know.

 

[R@J]

My sister stays & works in a tier 2 city. She is existing Lite account holder since last 3-4 months. Also, holds other bank card with 4 lakh limit max.
Will applying offline via branch be of help? Should the C2C be preferred or normal income documents?
office verification is difficult as it is state govt setup not in the city limits.

Looking to get Tiara for her (effectively free for first year).

 

[R@J]

I also got Premier LTF last month

• Applied : 15/01/2025
• Received Physically: 25/01/2025

BOB the builder was fast this time. Good Experience for a change.
View attachment 82496
View attachment 82497

OMG...great! What's your profile (salaried/self employed). how did you apply and did verification happen? @its_karan

 

[TheTrickySid]

The primary objective is to get Snapdea Rupay LTF(Pre approved)

Benefit?


Fcuk 3 words

 

[Anindya98]

Benefit?


Fcuk 3 words

After Kiwi 1.5L milestone thinking of using Snapdeal card. I don't shop from TATA brands very often that's why Tata Neu card is not that great for me.
Also I hate the Tata Neu App.
My UPI spend is under 33K per month, so I think Snapdeal will be better option.

 

[TheTrickySid]

After Kiwi 1.5L milestone thinking of using Snapdeal card. I don't shop from TATA brands very often that's why Tata Neu card is not that great for me.
Also I hate the Tata Neu App.
My UPI spend is under 33K per month, so I think Snapdeal will be better option.

What's the reward rate in snapdeal

 

[Ram1]

My sister stays & works in a tier 2 city. She is existing Lite account holder since last 3-4 months. Also, holds other bank card with 4 lakh limit max.
Will applying offline via branch be of help? Should the C2C be preferred or normal income documents?
office verification is difficult as it is state govt setup not in the city limits.

Looking to get Tiara for her (effectively free for first year).

Office verification is mandatory for bob cards mostly .
Try branch guys for any jugaad. For tiara, they strict related to income and verification. One of my online frd's wife application declined being a govt employee

 

[Anindya98]

What's the reward rate in snapdeal

Not sure
I read somewhere it's 2.5% on online spends upto 33K
If anyone can confirm it
@Anupama_Jha @SSV @BVC @Abhishek012