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.

 

[R@J]

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

Thanks @Ram1 . let me check at the local branch then..... for sister's case, office verification can be done, but the office is outside of city limits, and I dont think anyone would go there (considering the city itself is a tier 2 city). Fingers crossed.

 

[ajitshukla19]

Hi , I also want to apply for eterna but I am already holding Select and Snapdeal cc . If I close and apply via c2c route any hope ?

 

[Anindya98]

If I close and apply via c2c route any hope ?

50 - 50 chance

 

[R@J]

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.

@Anindya98 : What was the name/title of this form (so that we can tell it to branch people). Not able to see that in the attached pic.

 

[Anindya98]

@Anindya98 : What was the name/title of this form (so that we can tell it to branch people). Not able to see that in the attached pic.

I shared the full form, but nothing was mentioned on the top. I think it is an internal(BOB) customer assessment form, basically the substitute form for physical verification reports for loans, CC, and other banking products. Where customer assessment is required.

 

[kiranjain]

hey guys so i applied for BOB CC online through C2C basis and gave amex platinum cc last month statement(2.97L) as last time when applied gave icici hp coral cc (4.9L) and was rejected.

today they are asking for 3 bank statement as below

- Recent 3 month bank statement in pdf format sighting Average monthly Balance of 40k through business transaction required

i am self employed businessman and my firm is partnership firm and current account is CC account. saving account is with bharat co-op bank.

should i give both bank 3 month statement???

 

[R@J]

hey guys so i applied for BOB CC online through C2C basis and gave amex platinum cc last month statement(2.97L) as last time when applied gave icici hp coral cc (4.9L) and was rejected.

today they are asking for 3 bank statement as below

- Recent 3 month bank statement in pdf format sighting Average monthly Balance of 40k through business transaction required

i am self employed businessman and my firm is partnership firm and current account is CC account. saving account is with bharat co-op bank.

should i give both bank 3 month statement???

Can we apply for C2C basis via online application also? Is it available for salaried applicants as well?

 

[Ram1]

Can we apply for C2C basis via online application also? Is it available for salaried applicants as well?

Yes u just need to give give c2c documents instead pf payslips

 

[Ram1]

hey guys so i applied for BOB CC online through C2C basis and gave amex platinum cc last month statement(2.97L) as last time when applied gave icici hp coral cc (4.9L) and was rejected.

today they are asking for 3 bank statement as below

- Recent 3 month bank statement in pdf format sighting Average monthly Balance of 40k through business transaction required

i am self employed businessman and my firm is partnership firm and current account is CC account. saving account is with bharat co-op bank.

should i give both bank 3 month statement???

Reply them with c2c statements and card pic

 

[Anindya98]

should i give both bank 3 month statement???

Yes, you can but I suggest you send the statement showing the maximum amount of transaction and MAB. No matter whether it is your current or savings account.

Can we apply for C2C basis via online application also? Is it available for salaried applicants as well?

Yes

Reply them with c2c statements and card pic

This will not work when they have specifically asked " Recent 3 month bank statement in pdf format sighting Average monthly Balance of 40k through business transaction required"

 

[KLB@96]

Any BoB LTF card available now ?

 

[BVCBVC is verified member.]

Any BoB LTF card available now ?

SD Rupay Virtual Card available for existing holders.

 

[Ram1]

Any BoB LTF card available now ?

All core cards are ltf except eterna if u apply online by urself

 

[Ram1]

This will not work when they have specifically asked " Recent 3 month bank statement in pdf format sighting Average monthly Balance of 40k through business transaction required"
View attachment 82835

I don't think so, people don't care them and send c2c statements and gets approved.
Also there is nothing wrong if they asked and he has such statement having 40k average
If not, send c2c 3months card statements and card front pic if card number showing front side, if not send both front and back masking cvv

 

[KLB@96]

SD Rupay Virtual Card available for existing holders.

I do not have any relation

 

[KLB@96]

All core cards are ltf except eterna if u apply online by urself

can you share the link

 

[Ram1]

can you share the link

Credit Cards – Benefits, Features, Best Credit Cards in India – BOBCARD

Credit Cards - When it comes to credit cards, BOBCARD is a top contender in India, offering a range of benefits and features that cater to various needs. From cashback and rewards programs to exclusive discounts, BOBCARD stands out as one of the best options for credit cardholders in India.

www.bobcard.co.in

Choose premier card and apply

 

[Anindya98]

SD Rupay Virtual Card available for existing holders.

I finally received the Snapdeal Virtual LTF offer within 18 days of obtaining the Easy LTF card.
So, they have pushed the offer to everyone on the same day, no matter when you got your BOB card.
How to get the physical card now?

 

[Anindya98]

I don't think so, people don't care them and send c2c statements and gets approved.
Also there is nothing wrong if they asked and he has such statement having 40k average
If not, send c2c 3months card statements and card front pic if card number showing front side, if not send both front and back masking cvv

@kiranjain submit your C2C statement and a card photo, and check if they find it satisfactory. I recommend providing the originally requested documents for a smoother process.

 

[Ram1]

I finally received the Snapdeal Virtual LTF offer within 18 days of obtaining the Easy LTF card.
So, they have pushed the offer to everyone on the same day, no matter when you got your BOB card.
How to get the physical card now?

I too got it today but my only worry is another card getting added in cibil which increases overall limit 🥲