Hidden Gem For Travellers (bob World VISA Sapphire Debit Card)

[Karvanna]

bob World VISA Sapphire Debit Card (Best Debit Card For Travellers)

- One Airport Transfer Per Quarter (4 Times/Year)
- Both Pickup And Drop From / To Airport (You Can Avail Either Drop Or Pickup)
- Domestic Lounge Access As Well
- Charges 750+ tax Per Year
- 750 Rs Life Style Coupon As Joining Benefit
- Service Distance should Be Around 40 Kms And Total 3 People Can Use This Service With the Card Holder
- You Should Book this Service Prior 72 Hours By Calling 0008004420011
- You Should Maintain 20k per Quarter To Hold this Card

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https://www.bankofbaroda.in/personal-banking/accounts/saving-accounts/super-savings-personal-account ( You Can Convert Your Previous Account Variant To This Variant By Giving request In Branch).​

Very Important Note - You Can Only Apply this Card Through Branch Only And It Will Take Around 50 Days To Recieve this Card Through India Post

 

[SSV]

Yes. showing in the dropdown.

Your account is:
1) Platinum account
2)15 days old
3) Manitaining 30L balance ..
right??

 

[SSV]

My balance for last 6m is 3k approximately
Will add more since it may result in eligibility of rupay select

Yes, by the looks of it.. @imdjay has got option because of high balance maintenance.

 

[imdjay]

Your account is:
1) Platinum account
2)15 days old
3) Manitaining 30L balance ..
right??

yes. 30 + some change. So the RV after this quarter stays above 10L+

Yes, the above statement sunded like both Sapphire and Opulence are free after Radiance upgrade..
BUt he clarified that he was only talking about Sapphire..

Actually, It was for both. I have seen people getting LTF Opulence. It shows on the dropdown with 0 joining and annual fees.
But I am not sure about the criteria. Hence, it's better to wait for Radiance enrollment.

 

[hariselio]

For me also same options..

Facts about my account:

1) Opened Adavantage SB account on 20/06/2024 via branch
2) Funded 10L on the opening day..

View attachment 58667

For advantage account it wont show rupay select in the app, even if we have enough balance. I always maintain MAB is around 1.3L in one BOB account which is basic advantage account. But then opened another super savings account for a family member and radiance is free due to existing car loan, rupay select card is showing in that account.

 

[Wealth is my birth right!]

Yes, by the looks of it.. @imdjay has got option because of high balance maintenance.

Tried applying
Male female cards each 750/- gst
Opulence 9500/- gst

 

[SSV]

For advantage account it wont show rupay select in the app, even if we have enough balance. I always maintain MAB is around 1.3L in one BOB account which is basic advantage account. But then opened another super savings account for a family member and radiance is free due to existing car loan, rupay select card is showing in that account.

Yes.. but it seems
for advantage account - we can apply for Select Rupay via branch..

I am planning to upgrade it to Supersavings soon..
It seems we can't upgrade via App.. we have to go to branch for upgrade right??

 

[SSV]

Tried applying
Male female cards each 750/- gst
Opulence 9500/- gst

same here ..

First I need to upgrade this to Supersavings (20K variant).. then more versatile offers may come

 

[SSV]

yes. 30 + some change. So the RV after this quarter stays above 10L+


Actually, It was for both. I have seen people getting LTF Opulence. It shows on the dropdown with 0 joining and annual fees.
But I am not sure about the criteria. Hence, it's better to wait for Radiance enrollment.

So , in that case .. everything is possible in BOB which is great actaully...
They are flexible enough...

 

[Wealth is my birth right!]

same here ..

First I need to upgrade this to Supersavings (20K variant).. then more versatile offers may come

Will fund and go branch for upgrade thanks

 

[hariselio]

I am planning to upgrade it to Supersavings soon..

You need to be bit careful on this. By default super savings has some auto sweep facility and my branch people does not know how to turn that off. So if you plan to maintain 10L balance in savings account for radiance upgrade, it may go for a toss. So check with branch before doing conversion.

I've already gone through this. First i had advantage account which is like almost 20 years old one and usually maintain more than 1.3L as i keep buffer of two months loan emi in that account. But then super savings will automatically do sweep and put into FD which will break my EMI plans. So gave a request for professional account and then applied rupay select from branch which supposed to be free for first year.

After upgrading to professional account i cannot even apply any more debit cards as this is some kind of special account, no cards are shown in app. But stupid BOB charged me for rupay select already with in two months of issuance 🙁

 

[SSV]

You need to be bit careful on this. By default super savings has some auto sweep facility and my branch people does not know how to turn that off. So if you plan to maintain 10L balance in savings account for radiance upgrade, it may go for a toss. So check with branch before doing conversion.

I've already gone through this. First i had advantage account which is like almost 20 years old one and usually maintain more than 1.3L as i keep buffer of two months loan emi in that account. But then super savings will automatically do sweep and put into FD which will break my EMI plans. So gave a request for professional account and then applied rupay select from branch which supposed to be free for first year.

After upgrading to professional account i cannot even apply any more debit cards as this is some kind of special account, no cards are shown in app. But stupid BOB charged me for rupay select already with in two months of issuance 🙁

That is why my BM suggeseted not to touch Adv Savings account until this radiance and eterna is finalised and I obidiently obliged...
So, it seems BM is aware of these issues.. thanks for the heads up anyway...

So, the plan , I devised for this:
1) Get Radinace and Eterna first based on my Advantage + 10L IP
2) Upgrade to Super savings and get Rupay Platinum, Sapphire and Opulence DC..

How is that for a plan??

 

[telescope]

Tried applying
Male female cards each 750/- gst
Opulence 9500/- gst

If I understand correctly, sapphire dc is LTF for radiance customers, but what about radiance metal dc? chargeable or free for radiance account?

 

[Wealth is my birth right!]

If I understand correctly, sapphire dc is LTF for radiance customers, but what about radiance metal dc? chargeable or free for radiance account?

If radiance status there then obviously metal dc also will be free only
Branch ppl not knowing about any of these card names or account variants

 

[SSV]

If radiance status there then obviously metal dc also will be free only
Branch ppl not knowing about any of these card names or account variants

This is correct.. they are still stuck in 1990's era..
even people born after 1900's are also having the same intellectual knowledge..
this is what culture does..

 

[hariselio]

SO, the plan is:
1) Get Radinace and Eterna first based on my Advantage + 10L IP
2) Upgrade to Super savings and get Rupay Platinum, Sapphire and Opulence DC..

How is that for a plan??

Yep, i suggest this!

 

[Wealth is my birth right!]

This is correct.. they are still stuck in 1990's era..

Feeling sad about them they have a product which have unlimited dom as well as intl lounge access but not marketing well with this usp

 

[SSV]

Feeling sad about them they have a product which have unlimited dom as well as intl lounge access but not marketing well with this usp

It is actually better for people like us.. otherwise it gets devalued.. 😉
I know I am bit selfish.. but what to do in this present kaliyuga ...

 

[Wealth is my birth right!]

It is actually better for people like us.. otherwise it gets devalued.. 😉
I know I am bit selfish.. but what to do in this present kaliyuga ...

Agreed
Gems are worthy as long as its hidden
OP choosed pakka title 😉

 

[SSV]

Yep, i suggest this!

Thanks for endorsing my plan..
It is already in place and it went into the action mode as well..
My request for radiance upgarde went to HO by my BM today..
This is only the 5th day after my account opening.. my BM is a bit co-operative it seems

 

[SSV]

If I understand correctly, sapphire dc is LTF for radiance customers, but what about radiance metal dc? chargeable or free for radiance account?

I will let you know once my accoun tis upgraded to Radiance..