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]

because of upi and rupay select benefits ofcourse...i applied offline via fd basis and the agent applied rupay version ticked rupay box in front of me still bob issued visa 🙁 may be fd card cant be issued rupay?

Typical BOB behavior. You can attach the form and request them to change your network since the mistake is on their end.

 

[leonneel]

Typical BOB behavior. You can attach the form and request them to change your network since the mistake is on their end.

how can i get the form now? agent took it. i didnt take any photo of it.

 

[Anindya98]

how can i get the form now? agent took it. i didnt take any photo of it.

Ask the agent to share the pic. Also, you have received a copy in your email.

 

[sc021]

Need the agent details
Please dm

 

[leonneel]

Ask the agent to share the pic. Also, you have received a copy in your email.

I don't think I received a copy. Btw I heard bob eterna rupay select jcb doesn't give rupay select welness benefit...is it true?

 

[Anindya98]

I don't think I received a copy. Btw I heard bob eterna rupay select jcb doesn't give rupay select welness benefit...is it true?

I don't have Eterna
@BVC @jetesh can confirm this

 

[BVCBVC is verified member.]

I don't have Eterna
@BVC @jetesh can confirm this

Seems eligible, tried to login but mine is linked to PNB Rupay.

 

[leonneel]

View attachment 87366

Seems eligible, tried to login but mine is linked to PNB Rupay.

thanks...us banda ke muh may karunga yeh screenshot jisne confirm kiya tha nehi deta

 

[sicko101]

I don't think I received a copy. Btw I heard bob eterna rupay select jcb doesn't give rupay select welness benefit...is it true?

Its true...I have eterna...only golf benefit is there which is useless.

 

[leonneel]

Its true...I have eterna...only golf benefit is there which is useless.

Ops... suddenly I'm not that interested in rupay varient anymore.

 

[jetesh]

I don't think I received a copy. Btw I heard bob eterna rupay select jcb doesn't give rupay select welness benefit...is it true?

I don't have Eterna
@BVC @jetesh can confirm this

I have Eterna Visa

 

[CosmicCat]

My dad applied for the one of their LTF credit cards through one of the agents (Or a BOBCARD employee?) on 9th April. He sent him his ID and income proofs at a BOB branch's email ID, and the KYC was done only through Aadhaar OTP. He even received the application details (The whole form in PDF format) via email right after the agent submitted his application. But, it has been over 14 days since the application was submitted, and whenever I track it on their website, it says, "We have received your application and it is under process."

Even the customer care is not providing any response. 🙄

 

[Anindya98]

My dad applied for the one of their LTF credit cards through one of the agents (Or a BOBCARD employee?) on 9th April. He sent him his ID and income proofs at a BOB branch's email ID, and the KYC was done only through Aadhaar OTP. He even received the application details (The whole form in PDF format) via email right after the agent submitted his application. But, it has been over 14 days since the application was submitted, and whenever I track it on their website, it says, "We have received your application and it is under process."

Even the customer care is not providing any response. 🙄

You will have to be patient. Nothing more can be done from your end. If they ask for more documents, then you have to send them.

 

[CosmicCat]

You will have to be patient.

Apparently so. Just checked on Reddit, and it seems they have a habit of "ghosting applicants" rather than rejecting them. Seems like a really shitty credit card institution—at par on the level of Indus Valley Bank.

 

[Anindya98]

Can anyone confirm if BOB is offering Premier LTF at present? If yes, then from where to apply?
What's the Salary criteria for Premier/Eterna LTF?
Applying for NTB.

 

[BVCBVC is verified member.]

Apparently so. Just checked on Reddit, and it seems they have a habit of "ghosting applicants" rather than rejecting them. Seems like a really shitty credit card institution—at par on the level of Indus Valley Bank.

Welcome to the club of BOB application waiting.

 

[CosmicCat]

Welcome to the club of BOB application waiting.

Really, man! He applied for this card on 27th March (Applied solely because it was targeted for his profession and was LTF). The webpage itself showed "Page not found" upon form submission!

Then an agent surprisingly calls on 2nd April (6 days after the form was submitted) informing he will call him the following week. Calls up on 9th April (7 days later) asking for the documents to be sent on the branch's email address where he was present that day.

So, essentially, it took them around 2 weeks just to get into application submission process. And now I have no idea how many days they would take more for the approval/rejection. 😂

 

[pprakash11]

Welcome to the club of BOB application waiting.

We are waiting for your card experience !!!
I am left with BOB & DBS now, rest all banks done !

 

[althafvly]

Can anyone confirm if BOB is offering Premier LTF at present? If yes, then from where to apply?
What's the Salary criteria for Premier/Eterna LTF?
Applying for NTB.

Apply via their site, it will show a LTF stamp if its LTF. I got Premier LTF January and additional Snapdeal LTF February.