BOB credit card experience, It is worth to have?

[Patil007]

Hi,

People who have BOB credit card, share your experience, is it worth to keep BOB cards?

1) I have other bank's card and BOB has rejected my LTF card application twice, So, I am thinking to open saving account with them and later apply for Easy card LTF.

2) But as Govt. bank I don't want to open account with them as I recently closed CBI and Union bank's account as SBI account is enough for headache 😅 .

3) Have you guys got instant discount offer for BOB on online shopping or other online portals, Apps?

4) I don't want their rewards point, just wanted to keep card for instant discount offers.

 

[vn_1]

Recently got my Bob premier LTF. I can't comment on rewards points, but instant discount offers on Bob CC comes on every now and then on Amazon. In my experience with BoB, and PNB savings I never faced any problem with them[ Can't say same about Union Bank, they miss several debit credit SMS]

BoB savings: Using it for the last 9 years. Opened it while I was in Delhi, then transferred it to my home state with just one visit to branch and no follow up calls or emails. They never miss sending credit and debit SMS. That too instantly. Whenever I use Upi or debit card, for sure I will get sms within 10 seconds. Upi, imps , rtgs whatever might be the payment option, it goes through. I can think of only 10 instances in 9 years where my payment failed.

Pnb savings: Using it for the last 12 years. Everything said above about BoB applies to Pnb too.

Their internet banking and app interface sucks.

So , my recommendation is you can go ahead and open savings account with Bob.

 

[Patil007]

Recently got my Bob premier LTF. I can't comment on rewards points, but instant discount offers on Bob CC comes on every now and then on Amazon. In my experience with BoB, and PNB savings I never faced any problem with them[ Can't say same about Union Bank, they miss several debit credit SMS]

BoB savings: Using it for the last 9 years. Opened it while I was in Delhi, then transferred it to my home state with just one visit to branch and no follow up calls or emails. They never miss sending credit and debit SMS. That too instantly. Whenever I use Upi or debit card, for sure I will get sms within 10 seconds. Upi, imps , rtgs whatever might be the payment option, it goes through. I can think of only 10 instances in 9 years where my payment failed.

Pnb savings: Using it for the last 12 years. Everything said above about BoB applies to Pnb too.

Their internet banking and app interface sucks.

So , my recommendation is you can go ahead and open savings account with Bob.

Intention to open saving account is just for LTF credit card, once I get the card, I will close that account.

Do you have BOB credit card also?

 

[Patil007]

Recently got my Bob premier LTF. I can't comment on rewards points, but instant discount offers on Bob CC comes on every now and then on Amazon. In my experience with BoB, and PNB savings I never faced any problem with them[ Can't say same about Union Bank, they miss several debit credit SMS]

BoB savings: Using it for the last 9 years. Opened it while I was in Delhi, then transferred it to my home state with just one visit to branch and no follow up calls or emails. They never miss sending credit and debit SMS. That too instantly. Whenever I use Upi or debit card, for sure I will get sms within 10 seconds. Upi, imps , rtgs whatever might be the payment option, it goes through. I can think of only 10 instances in 9 years where my payment failed.

Pnb savings: Using it for the last 12 years. Everything said above about BoB applies to Pnb too.

Their internet banking and app interface sucks.

So , my recommendation is you can go ahead and open savings account with Bob.

PNB anyway I don't want their credit card, so need to open account.

 

[vn_1]

Intention to open saving account is just for LTF credit card, once I get the card, I will close that account.

Do you have BOB credit card also?

Yes I do have Bob Premier LTF. Got it last month.

 

[Patil007]

Yes I do have Bob Premier LTF. Got it last month.

Any instant discount offer got so far?

 

[Digvijay]

Hi,

People who have BOB credit card, share your experience, is it worth to keep BOB cards?

1) I have other bank's card and BOB has rejected my LTF card application twice, So, I am thinking to open saving account with them and later apply for Easy card LTF.

2) But as Govt. bank I don't want to open account with them as I recently closed CBI and Union bank's account as SBI account is enough for headache 😅 .

3) Have you guys got instant discount offer for BOB on online shopping or other online portals, Apps?

4) I don't want their rewards point, just wanted to keep card for instant discount offers.

Not many lucrative offers that can be considered as such! I just got Premier last month because of RuPay variant. Earlier I had Easy JCB variant. If at all you want to have, apply via branch as online process is time consuming and they will keep asking you to share documents even after submitting all the required ones.

 

[VISHESH_BANSAL]

BOB Snapdeal is the Best Card in my Opinion at a Nominal fee
Rest is your choice

 

[Wealth is my birth right!]

Bob eterna unlimited lounge free
Btw I have savings account with bob for 1.5yrs no card offer I got
When and how it triggered

 

[phagocyte536]

I recently applied for premier LTF. Poor application experience. Been a month, they ask some documents on mail. Got a approval message couple of days back

My expectation isn't much, just to use in 10% offers if any

 

[Patil007]

BOB Snapdeal is the Best Card in my Opinion at a Nominal fee
Rest is your choice

Only LTF wanted.

 

[Patil007]

I recently applied for premier LTF. Poor application experience. Been a month, they ask some documents on mail. Got a approval message couple of days back

My expectation isn't much, just to use in 10% offers if any

Same experience with application.

 

[Patil007]

Bob eterna unlimited lounge free
Btw I have savings account with bob for 1.5yrs no card offer I got
When and how it triggered

You need to use account. transactions must be there.

 

[VISHESH_BANSAL]

Only LTF wanted.

This a great decision.
Go for LTF only

 

[Wealth is my birth right!]

You need to use account. transactions must be there.

Yes it happens like rupay cards used in Amaz Fridays and some qr scan to local merchants

 

[Patil007]

This a great decision.
Go for LTF only

Basically vo cards pada rahega cuboard me, just in case any instant discount offer where other cards are not working, will use. So need LTF.

Just started this thread to check if, is it even worth to open saving account in BOB and then do transaction to get cards. 🤣

 

[Patil007]

Normal days pe big banks ke offer nahi hote, then these small players bring their small offers.

 

[Patil007]

Yes it happens like rupay cards used in Amaz Fridays and some qr scan to local merchants

Still offer is not there 😅 . then before opening i wll check with branch for card offers.

 

[VISHESH_BANSAL]

Basically vo cards pada rahega cuboard me, just in case any instant discount offer where other cards are not working, will use. So need LTF.

Just started this thread to check if, is it even worth to open saving account in BOB and then do transaction to get cards. 🤣

But BOB Snapdeal will become a Popular Card after BOB goes live on UPI due to its reward rate.
Then you will create another Post
"How to Convert LTF BOB to BOB Snapdeal"

 

[Patil007]

But BOB Snapdeal will become a Popular Card after BOB goes live on UPI due to its reward rate.
Then you will create another Post how to Convert LTF BOB to BOB Snapdeal

Currently I am not interested in RuPay card for UPI 🤣 .

are we getting rewards on UPI transactions via credit cards?