• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

BOB Radiance

Apply For Lifetime Free IDFC First Credit Card
CARDBITRAGE

CARDBITRAGE

TF Legend
Hello! I have been told by my BM that I have been onboarded into BOB Radiance. But I have not received any sort of confirmation. The BM says an RM hasn't been mapped to my account yet, but it's been more than 2 months. I easily maintain more than the required NRV. Moreover, there has been no change in my BOB World and net banking interface. If anybody is part of Baroda Radiance, can you please tell me how I can confirm the same? Also, is there any change in the BOB world app and net banking? Thank you.
 
Apply For LTF AU LIT Credit Card
Sort by date Sort by votes
_amit_ said:
Shared here:

www.technofino.in

Regarding BoB radiance requirement

Can someone help me with BoB Radiance banking requirements/eligibility. Like how much IP/MAB required to open BoB Radiance account... If salary account, how much per month salary needed. Asking here in few thread because I couldn't find this info in their website or in our forum. I'm mostly...
www.technofino.in www.technofino.in
Click to expand...
Thank you for the info
 
Upvote 0 Downvote
Some people are saying that after upgrading to the Radiance account, we are eligible for the LTF BOB Opulence debit card. And others are saying that even after account upgrades, we still have to pay annual fees.

Literally, I am confused now.
 
Upvote 0 Downvote
SSV said:
Any update on this , minimum requirement on opening a new radiance account???
Click to expand...
On paper it says 10 lakhs IP for radiance.( Customer should not have customer ID in Bob bank)

But even older account can be upgraded with 10 lakhs funding.

It will totally depend on your radiance relationship manager to get approval.
 
Upvote 0 Downvote
SSV said:
Any update on this , minimum requirement on opening a new radiance account???
Click to expand...
Nothing special in radiance. RM is useless as always. I opened it just to try it. Already had customer id so it took month for approval. Now transferred account to far away rural branch. Maintaining only 1k. Closed Bob easy credit card . Will apply for eterna Ltf next month.
 
  • Like
Reactions: SSV
Upvote 0 Downvote
Bhagat Singh said:
Nothing special in radiance. RM is useless as always. I opened it just to try it. Already had customer id so it took month for approval. Now transferred account to far away rural branch. Maintaining only 1k. Closed Bob easy credit card . Will apply for eterna Ltf next month.
Click to expand...
Thanks for the info, appreciated
 
Upvote 0 Downvote
Bhagat Singh said:
On paper it says 10 lakhs IP for radiance.( Customer should not have customer ID in Bob bank)

But even older account can be upgraded with 10 lakhs funding.

It will totally depend on your radiance relationship manager to get approval.
Click to expand...
Yes, I don't have any relationship with BOB.
So, 10L should do the trick..
 
Apply For LTF HDFC Swiggy Credit Card
Upvote 0 Downvote
Bhagat Singh said:
Nothing special in radiance. RM is useless as always. I opened it just to try it. Already had customer id so it took month for approval. Now transferred account to far away rural branch. Maintaining only 1k. Closed Bob easy credit card . Will apply for eterna Ltf next month.
Click to expand...
Lets update the eterna application experience.
Will the usual process of cibil, doc submission the same as normal or is it a simple process for applying and getting approval for radiance customers?
My main aim of opening radiance is to get eterna ltf quick and easily
 
Upvote 0 Downvote
jetesh said:
Few people in this forum mentioned that Radiance account holders get a LTF Opulence debit card. Its a Opulence or Sapphire debit card, so much confusion.
Click to expand...
My RM said, only Sapphire is complimentary (no charges). He can get Opulence as well with some discounts. I said, no thanks, I am good with Sapphire. Applied in the app and got it in 3-5 days.
 
  • Like
Reactions: SSV
Upvote 0 Downvote
SSV said:
Lets update the eterna application experience.
Will the usual process of cibil, doc submission the same as normal or is it a simple process for applying and getting approval for radiance customers?
My main aim of opening radiance is to get eterna ltf quick and easily
Click to expand...
For radiance, the ETERNA needs to be applied through branch because they put a radiance tag in the physical application process so that charges can be waived off. You get 2 verification calls from different departments and the ETA is 7-10 working days.
 
Upvote 0 Downvote
SSV said:
Lets update the eterna application experience.
Will the usual process of cibil, doc submission the same as normal or is it a simple process for applying and getting approval for radiance customers?
My main aim of opening radiance is to get eterna ltf quick and easily
Click to expand...
It's quick for radiance customer. You have to apply offline with radiance RM. If RM has good experience he'll get you eterna Ltf without any documents.
Just basic aadhar pan . Income details but no documents. You can apply eterna immediately after getting confirmation via email or message that you have been onboarded to radiance.
It'll take around 2 week to onboard to radince after account opening. Than get eterna immediately and withdraw all funds..no need to maintain.

Even if you get downgraded after 6 months you're eterna will remain LTF.
 
Upvote 0 Downvote
Bhagat Singh said:
It's quick for radiance customer. You have to apply offline with radiance RM. If RM has good experience he'll get you eterna Ltf without any documents.
Just basic aadhar pan . Income details but no documents. You can apply eterna immediately after getting confirmation via email or message that you have been onboarded to radiance.
It'll take around 2 week to onboard to radince after account opening. Than get eterna immediately and withdraw all funds..no need to maintain.

Even if you get downgraded after 6 months you're eterna will remain LTF.
Click to expand...
very good this is what I want to do... to be precise..
but now , i have another doubt..
It seems my recent Eterna was rejected because of 'High Leverage " from my CIBIL score..
I am not sure going thru branch and Radinace relationship will bypass this issue or get stuck at the same, at the time of CIBIL and again reject my Eterna...
Any idea?
 
Last edited:
Upvote 0 Downvote
SSV said:
very good this is what I want to do... to be precise..
but now , i have another doubt..
It seems my recent Eterna was rejected because of 'High Leverage " from my CIBIL score..
I am not sure going thru branch and Radinace relationship will bypass this issue or get stuck at the same at the time of CIBIL and again reject my Eterna...
Any idea?
Click to expand...
Can't guarantee but 99% chance Having radiance relationship will bypass this issue. It depends on your RM knowledge. There is solution of every problem. If same issues arises again radiance team can take approval for exception.
 
  • Like
Reactions: SSV
Upvote 0 Downvote
Bhagat Singh said:
Can't guarantee but 99% chance Having radiance relationship will bypass this issue. It depends on your RM knowledge. There is solution of every problem. If same issues arises again radiance team can take approval for exception.
Click to expand...
I too think so .. It all depnds upon who handles the case.. thanks
 
Upvote 0 Downvote
SSV said:
very good this is what I want to do... to be precise..
but now , i have another doubt..
It seems my recent Eterna was rejected because of 'High Leverage " from my CIBIL score..
I am not sure going thru branch and Radinace relationship will bypass this issue or get stuck at the same, at the time of CIBIL and again reject my Eterna...
Any idea?
Click to expand...
what is "high leverage" in cibil score?
 
Upvote 0 Downvote
You must log in or register to reply here.

Similar threads

C
  • Question Question
BoB Radiance Banking Eligibility?
Replies
8
Views
482
navdeep22
N
V
  • Question Question
Regarding BoB radiance requirement
8 9 10
Replies
189
Views
8K
quino
Q
U
  • Question Question
AMA - Bank of Baroda 2024 review - hidden Gem (HomeLoan, Radiance account, Sapphire & Rupay select debit card, Eterna CC)
2 3 4
Replies
64
Views
4K
IndieCorner:)
IndieCorner:)
RadioactiveTabela
  • Question Question
Share Bank of Baroda Radiance - Experience / Review
Replies
18
Views
4K
AlphaNR
AlphaNR
tuhin
Beware of BOB Home Loan
Replies
4
Views
196
tuhin
tuhin
Back
Top