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.

 

[BVCBVC is verified member.]

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.

Yes.

How to get the physical card now?

Not sure, I have not opted.

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

Same issue, I don’t want another account in CIBIL. I took add on for Eterna in case of any dual order required.

 

[Ram1]

Yes.

Not sure, I have not opted.

Same issue, I don’t want another account in CIBIL. I took add on for Eterna in case of any dual order required.

Yeah I'm also thinking the same way, took add ons and and planning to convert my visa to rupay eterna which offers same benefits as snapdeal card

 

[Anindya98]

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

I needed the card for Upi after hitting the Yes Kiwi 1.5L milestone

 

[BVCBVC is verified member.]

Yeah I'm also thinking the same way, took add ons and and planning to convert my visa to rupay eterna which offers same benefits as snapdeal card

I was planning to take another new card within family, but looking at application process I don’t want to apply.

 

[Ram1]

I was planning to take another new card within family, but looking at application process I don’t want to apply.

No now the application process has become easier and quicker.
Try like OP to skip physical verifications

 

[BVCBVC is verified member.]

No now the application process has become easier and quicker.
Try like OP to skip physical verifications

That’s because he hold savings account with them.

 

[Ram1]

That’s because he hold savings account with them.

They don't have account? Advantage account with emt debit is quite beneficial right.

 

[BVCBVC is verified member.]

They don't have account? Advantage account with emt debit is quite beneficial right.

No account. Only account relationship with HDFC, Axis, SBI, ICICI

 

[Ram1]

No account. Only account relationship with HDFC, Axis, SBI, ICICI

Ask them to open online advantage account if possible, explain them the benefits of emt debit card
Then go for cc application