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.

 

[shu_sha]

Applied for Premier LTF two weeks back via online mode, so far no verification done

A week later Bob asked for the bank statement which shows the salary credit, shared the same still no updates further.

BOB the builder time lega process karne me aisa lagta hai

 

[Ra.One]

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

I want to convert my BoB SD paid to LTF. Renewal month is March. Will BoB consider?

BTW, my experience with BoB SD has been very satisfactory, and I find it to be the best card BoB can offer, apart from Eterna/Tiara.

 

[Anindya98]

Will BoB consider?

Drop them an email and try your luck no harm in trying. Also, mention that they are giving it to everyone nowadays LTF.

 

[chuckzspadina]

I already have a BOB one card, can I try to apply other BOB cc like easy cc ? I heard that bob reject the application which already have BOB one card.
Are these rumours true?

 

[Anindya98]

I already have a BOB one card, can I try to apply other BOB cc like easy cc ? I heard that bob reject the application which already have BOB one card.
Are these rumours true?

Yes, you can apply BOB Card

 

[EnthuCC]

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

+1
Also do they convert paid Eterna into LTF if card is used very well?

 

[Anindya98]

+1
Also do they convert paid Eterna into LTF if card is used very well?

@AllThatStuff
@jetesh might help you on this

 

[jetesh]

+1
Also do they convert paid Eterna into LTF if card is used very well?

I am not sure about this point. I use my Eterna card for between 40,000-50,000 per month and always make payments before the due date.

Still the bank has not yet offered me the LTF Eterna card.

If you really want to get a LTF Eterna card, I recommend opening a MasterStroke account.

 

[AllThatStuff]

I am not sure about this point. I use my Eterna card for between 40,000-50,000 per month and always make payments before the due date.

Still the bank has not yet offered me the LTF Eterna card.

If you really want to get a LTF Eterna card, I recommend opening a MasterStroke account.

But if you’re able to spend 40-50k each month, then why do you need it LTF…you are easily fulfilling it’s annul fee waiver criteria!! 🤔🤓

 

[jetesh]

But if you’re able to spend 40-50k each month, then why do you need it LTF…you are easily fulfilling it’s annul fee waiver criteria!! 🤔🤓

I did not ask for a LTF; I simply replied to his query. 🤔 😎

 

[sasha]

My BOB CC application is stuck on VKYC from last 15 days. Neither Physical nor VKYC Link is being shared. Can I cancel it and apply again physically from Branch. If Yes please share procedure to cancel.

 

[jetesh]

My BOB CC application is stuck on VKYC from last 15 days. Neither Physical nor VKYC Link is being shared. Can I cancel it and apply again physically from Branch. If Yes please share procedure to cancel.

You cannot cancel the VKYC by yourself. You will need to visit the branch and the credit card team will assist you with the cancellation process. And then apply again from the branch.

However, please note that this procedure may take longer than usual, possibly 25-30 days.

 

[Credit_Cards]

thanks @Anindya98 one of the most under rated post, it helped a lot will be applying same method soon

 

[sachinphy]

23 days..no VKYC link is being sent, nor physical verification is being done.. on email they are repeating same "technical issues", on call "will do it as earliest"... in status: vkyc pending... worst bank for card application is BOB

 

[Anindya98]

23 days..no VKYC link is being sent, nor physical verification is being done.. on email they are repeating same "technical issues", on call "will do it as earliest"... in status: vkyc pending... worst bank for card application is BOB

After 1 months raise a RBI Complain, regarding the application process and no proper update from the Bank and ask for compensation.

 

[imrahul]

After 1 months raise a RBI Complain, regarding the application process and no proper update from the Bank and ask for compensation.

What should be the compensation amount to be asked for the delay??

 

[Anindya98]

What should be the compensation amount to be asked for the delay??

I think 5K is a good amount.

 

[tryabptryabp is verified member.]

Applied for Premier LTF today. Last time my Eterna application got rejected. Lets see what happens now.