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.

 

[Patil007]

Got my BoB Premier CC delivered after 1 full month of process. Got 1 lakh limit, the highest in my sarkaaari cards( SBI gave 58k,69k on simplyclick and cashback).

The mobile app is atrocious.

It is RuPay but they are yet to get onboarded on UPI.

The letter attached gave no clarity that it is actually LTF. ( website said LTF). Tried reaching CC, made me wait in queue for a long time, reached nobody after the queue got over.

.

When I applied on 2022 that time I saw lot of offers for BOB cc that’s why I wanted one BOB LTF card, they rejected my application twice.

 

[awesomedude610]

My expirence with bob till now is great.
Applied on 29th April.
Aprroved on 3rd May. And received msg today regarding dispach of my CC.
checked on BOB card app got decent limit too.
Surpise is that i applied online and got no call or vkyc. staright away aprroved. have no previous bob realtionship.

 

[VijayflyRaven]

My expirence with bob till now is great.
Applied on 29th April.
Aprroved on 3rd May. And received msg today regarding dispach of my CC.
checked on BOB card app got decent limit too.
Surpise is that i applied online and got no call or vkyc. staright away aprroved. have no previous bob realtionship.

Now if you use wallet loads, your experience might change

 

[awesomedude610]

Now if you use wallet loads, your experience might change

i am not planning to use this for wallet loads it is purely for fuel usage only. have HP patrol pump arond 200 meters away only from my home.

 

[DarkKnight]

You should try for PNB rupay select card.. it also has rupay select benefits..Generally I receive mostly Rupay offers mail on BOB premier card!!

 

[anantnitish]

Now if you use wallet loads, your experience might change

What r the consequences?

 

[VijayflyRaven]

What r the consequences?

Card blocked for wallets. Very few categories have 3.75% for which competition gives 5% (ex. SBI cashback or Flipkart/Amazon pay cc). Card becomes useless.

 

[Patil007]

Applied again . This is my third attempt with BOB. Only Easy card is showing LTF, previous two applications, Premier was there as LTF. now Premier is showing paid.

Let's see if they approves the same.

 

[Patil007]

While checking my application, after two rejection, BOB be like :

 

[insight]

Applied again . This is my third attempt with BOB. Only Easy card is showing LTF, previous two applications, Premier was there as LTF. now Premier is showing paid.

Let's see if they approves the same.

Do share back.
I might need for some online discount deal.

 

[Patil007]

Finally I got BoB credit card.

 

[pprakash11]

Finally I got BoB credit card.

This time also both verification (residential+ office) was done ??

 

[Patil007]

This time also both verification (residential+ office) was done ??

No .

Don’t know why they took lot of time.

Applied on 19 th September and card approved on 14 October.

 

[Patil007]

Just now got mail confirmation that my BoB easy card is LTF

 

[pprakash11]

No .

Don’t know why they took lot of time.

Applied on 19 th September and card approved on 14 October.

Neither of the two?

 

[Patil007]

Neither of the two?

I think no.

Because no one came to home.

Office, nobody called me

 

[Patil007]

My CIBIL is 803 and BoB gave me 60, 000 limit .

Government banks .

AU gave me 6 Lakh limit with same cibil just 5 days after applying BoB.

 

[pprakash11]

My CIBIL is 803 and BoB gave me 60, 000 limit .

Government banks .

AU gave me 6 Lakh limit with same cibil just 5 days after applying BoB.

But in reality that Bob card will be used much much >>> than sh*t useless AU Card

 

[KLB@96]

Applied for Easy LTF on oct 15th. When can I get an update ?

 

[pprakash11]

Applied for Easy LTF on oct 15th. When can I get an update ?

1 month .