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]

Ye Mondal bhai ne Good ke aage kya likha hua?

Behan hai, "Good Responeed"

Aur branch ka sara employee Mondal hi hai kya? 🙄

No idea

 

[Pho3nix]

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

BOB the builder sent anyone to your home / office for a site survey?

 

[Pho3nix]

Behan hai, "Good Responeed"

What's Responeed? What does that mean? 🙄

 

[Anindya98]

What's Responeed? What does that mean? 🙄

You passed the Bank assessment criterion and they can now issue you the card. No red flag. No further verification is required.

 

[drvenkat]

@Anindya98 can you dm the agent number

 

[TrueColours]

@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.

 

[R@J]

@TrueColours Niice! did you get the card successfully?

 

[TrueColours]

@TrueColours Niice! did you get the card successfully?

 

[Anindya98]

View attachment 83698

Which variant you have selected Easy LTF Visa Variant?

 

[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).

@Anindya98 , @Ram1 , @BVC , @kiranjain, @TrueColours : Thanks for the inputs received from you guys and other members.

I have finally got the Tiara card applied for her today. Tier 2 city + small branch + PSU bank -> Hence the process took long..... will share the timeline journey once we get the approve/declien decision.

Application:
- Shared Pan, unmasked Aadhar, BOB bank details (non-salary, avg balance 10-20K), last 1 month Airtel Axis CC statement (limit 3 Lakh).
- No income documents were asked as he insisted he would apply as "existing branch customer". From the checklist shared by @TrueColours, I believe it would be same - Branch Relationship Value. Info Updated - refer the last line
- The branch guy was facing some problem in the application since last few days - so he got it done through Regional office POC.
- Since, I was physically not present there (had discussed and shared the docs with him in the last week itself)....not sure what other things/forms he used.
- In the application form, I see that they have applied under Salaried category only with genuine income value (which is more than Tiara criteria, rather than showing her as Self Employed).
- In the document scan section -> Under bank statement, i can see the airtel axis statement. I'm still not sure if the application is based on Existing relation or C2C or mix of both.
- Regional office lady was mentioning that she can apply for Eterna also, but she insisted for Tiara. She also mentioned the verification call could come in around 10 days.

Will update the post once I receive more details.

Update 1: The Regional office lady asked for 3 months salary account statement and last 2 months payslips as well the next day. Coordinated over whatsapp only, no formal mail.

 

[TrueColours]

Which variant you have selected Easy LTF Visa Variant?

Visa . .

 

[AllThatStuff]

Does BoB give pre-approved CC offers to Savings account holders ??

 

[Ekavya]

Applied for BOB Card as it was LTF.
I got no information from their side for 2 Weeks.

Then one person called from their side to confirm if any agent came to my imaginary Office for verification. I got panicked and told her that I requested for the cancellation of the Card before she can say that she will send some agent.


Then messaged the Customer Care to cancel my application. After one month I got the message that my application is rejected

 

[Anindya98]

Applied for BOB Card as it was LTF.
I got no information from their side for 2 Weeks.

Then one person called from their side to confirm if any agent came to my imaginary Office for verification. I got panicked and told her that I requested for the cancellation of the Card before she can say that she will send some agent.


Then messaged the Customer Care to cancel my application. After one month I got the message that my application is rejected

Why did you cancel your application?

 

[R@J]

Does BoB give pre-approved CC offers to Savings account holders ??

Haven't heard till now....but it may be in the cards for future (considering how they have evolvbed from 45-60 days decision process to 10-15 days decision).

I feel it will be rolled for salaried account holders only, than savings account ones (miles to go for a PSU to be like HDFC)

 

[Ekavya]

Why did you cancel your application?

I applied online via C2C method hoping that they won't verify my Business (Imaginary). But I realised that BOB may conduct Office Verification. So only option was to cancel it.


(I have 5L and 3.5L Limit on my ICICI and Axis Cards)

 

[EnthuCC]

Premier LTF vs Eterna Paid.
Which card shall I pick?

 

[althafvly]

Premier LTF vs Eterna Paid.
Which card shall I pick?

Premier LTF, if you are not going to spend much.

 

[AllThatStuff]

Has anyone able to get annual fee waiver via customer care for BoB Eternal ??

 

[Anindya98]

I applied online via C2C method hoping that they won't verify my Business (Imaginary). But I realised that BOB may conduct Office Verification. So only option was to cancel it.


(I have 5L and 3.5L Limit on my ICICI and Axis Cards)

Use my method no need to worry about the verification.