BOB Credit Card LTF Query

[AlphaNR]

Hello Folks,

I hope everyone doing well.

1. I have a BOB HPCL Energia Paid Card, and I have been using it for the last 3 years now.
2. I got an offer from BOBCARD for an "Additional Snapdeal LTF Card"
3. I am a BOB Radiance customer; thus, I am eligible for BOB Eterna LTF as well.

Usage:
1. My HPCL usage is now getting covered using IDFC Power+ card thus, I am not using BOB HPCL Actively.
2. My requirement for a BOB card is to just have one BOB card in my credit card portfolio to avail BOB offers

Queries:
1. I plan to close HPCL, which is a paid card, as I no longer use it.
So, if I get BOB Snapdeal LTF and close Energia HPCL, is this allowed? Or will it also close BOB Snapdeal, as it's an additional card?

2. The BOB Radiance relationship is offering me Eterna LTF, but what happens when my savings account gets downgraded to Sparkle or something? Will the Eterna card still remain LTF, or does it get converted to a paid card?

Please suggest.

 

[vijay.vj]

Following !
1 2 3

 

[Anindya98]

1. I plan to close HPCL, which is a paid card, as I no longer use it.
So, if I get BOB Snapdeal LTF and close Energia HPCL, is this allowed?

Yes, allowed.

Or will it also close BOB Snapdeal, as it's an additional card?

After getting the BOB Snapdeal virtual card LTF then get the physical card and close your Energia HPCL. Snapdeal will remain active.

2. The BOB Radiance relationship is offering me Eterna LTF, but what happens when my savings account gets downgraded to Sparkle or something? Will the Eterna card still remain LTF, or does it get converted to a paid card?

No, after the downgrade Eterna will be Paid. Till you hold the Radiance relationship it will be free.

 

[vijay.vj]

What is best way to get a LTF BOB CC for offers.

I have seen them offering LTF card and then say annual fee is based on spends...

 

[AlphaNR]

After getting the BOB Snapdeal virtual card LTF then get the physical card and close your Energia HPCL. Snapdeal will remain active.

Will this Snapdeal card work for Amazon or Flipkart offers ?

No, after the downgrade Eterna will be Paid. Till you hold the Radiance relationship it will be free.

Thanks for confirming this buddy. In that case, I won't go for Eterna LTF. I will just use Snapdeal LTF and stay happy.

 

[Beyond]

What is best way to get a LTF BOB CC for offers.

I have seen them offering LTF card and then say annual fee is based on spends...

Depends on your profile and LTF offer! Some only get Easy ltf while other are eligible for all 3.

 

[Anindya98]

What is best way to get a LTF BOB CC for offers.

I have seen them offering LTF card and then say annual fee is based on spends...

If you have any BOB credit card they will offer you LTF virtual card after some time. Take the LTF Virtual one then close the paid one.

 

[AlphaNR]

@Anindya98 Bhai - Will this BOB Snapdeal card work for Amazon or Flipkart offers?

 

[Anindya98]

@Anindya98 Bhai - Will this BOB Snapdeal card work for Amazon or Flipkart offers?

Generally, BOB doesn't exclude co-branded cards from the Sale. It will work.

 

[AlphaNR]

@Anindya98 Bhai - You deserve it. If I would have gone to BOB for these queries they would have taken 2 months to reply to this + mental trauma

 

[Anindya98]

Glad I could assist you with this.
Not even 2 months they take around 3 months to answer a simple query. By the time they answer, I forget the question I asked.
Indusind has improved a lot, recently getting faster replies and exact answers no BS.

@Anindya98 Bhai - You deserve it. If I would have gone to BOB for these queries they would have taken 2 months to reply to this + mental trauma

View attachment 79639

 

[AlphaNR]

Indusind has improved a lot, recently getting faster replies and exact answers no BS

Which IndusInd card do you recommend ?
I have pinnacle and got some upgrade offer as well but don't know which card are they offering for upgrade ?

 

[Jeevan rao]

Response from BOB customer care team

 

[vijay.vj]

Glad I could assist you with this.
Not even 2 months they take around 3 months to answer a simple query. By the time they answer, I forget the question I asked.
Indusind has improved a lot, recently getting faster replies and exact answers no BS.

Seriously, Did IndusInd service improve? I was looking for LE on my pinnacle. They ask me to send them payslips and no matter how many times I send them as PDF, they claim not to find any.

I went till PNO, nothing is helpful. Threats also not working.

 

[vijay.vj]

If you have any BOB credit card they will offer you LTF virtual card after some time. Take the LTF Virtual one then close the paid one.

Thank you. Which virtual card are you talking about... Is it the Snapdeal one?

 

[Beyond]

Thank you. Which virtual card are you talking about... Is it the Snapdeal one?

They offer Easy, HPCL, SD; take which ever you need depending on offer available to you. Then you may close existing card

 

[AlphaNR]

After getting the BOB Snapdeal virtual card LTF then get the physical card and close your Energia HPCL. Snapdeal will remain active.

got the Virtual credit card, how to get the Physical Credit card?
Do they charge any amount for this ?
what is the process?

 

[Ram1]

Hello Folks,

I hope everyone doing well.

1. I have a BOB HPCL Energia Paid Card, and I have been using it for the last 3 years now.
2. I got an offer from BOBCARD for an "Additional Snapdeal LTF Card"
3. I am a BOB Radiance customer; thus, I am eligible for BOB Eterna LTF as well.

Usage:
1. My HPCL usage is now getting covered using IDFC Power+ card thus, I am not using BOB HPCL Actively.
2. My requirement for a BOB card is to just have one BOB card in my credit card portfolio to avail BOB offers

Queries:
1. I plan to close HPCL, which is a paid card, as I no longer use it.
So, if I get BOB Snapdeal LTF and close Energia HPCL, is this allowed? Or will it also close BOB Snapdeal, as it's an additional card?

2. The BOB Radiance relationship is offering me Eterna LTF, but what happens when my savings account gets downgraded to Sparkle or something? Will the Eterna card still remain LTF, or does it get converted to a paid card?

Please suggest.

I would suggest go for Eterna ltf. Snapdeal u can get later also.
Radiance relationship is rare, go for it.

And eterna is unconditional ltf for Radiance customers. I have proof too.

Btw whats ur credit limit?

 

[AlphaNR]

I would suggest go for Eterna ltf. Snapdeal u can get later also.
Radiance relationship is rare, go for it.

And eterna is unconditional ltf for Radiance customers. I have proof too.

Btw whats ur credit limit?

Yes, it's LTF for radiance, but what if the account gets downgraded to Sparkle or non-radiance ?
will it still remain as LTF?

@Ram1 - Plz suggest

 

[hitirfan]

got the Virtual credit card, how to get the Physical Credit card?
Do they charge any amount for this ?
what is the process?

You will get option to order Physical card after few days. 99+GST or 100+gst for physical card.