Indian Bank Credit Card Application

[Walter White]

Has anyone been able to get an Indian Bank Credit Card using the online portal?

Planning to get a Rupay Select Card (annual fee 250 from 2nd year, waived off on spends of 50000). But I don't think I have the patience or the energy to visit the branch (they accept C2C for offline applications).

Also, Do we get points for UPI transactions?

 

[mrbean]

Basically Account opening is enough because they check CIBIL Score to decide the credit card eligibility.
It is better to open account through branch rather than vkyc account.
Online account have different varient account.

 

[girish3456]

Has anyone been able to get an Indian Bank Credit Card using the online portal?

Planning to get a Rupay Select Card (annual fee 250 from 2nd year, waived off on spends of 50000). But I don't think I have the patience or the energy to visit the branch (they accept C2C for offline applications).

Also, Do we get points for UPI transactions?

Why Indian ban card. You can think of PnB Rupay Select credit card which has a annual fee of Rs 750. However this fee is waived off even if you are performing atleast 1 single transaction every quarter which is quite possible for every one

 

[mrbean]

Card to card possible? Only opening acct enough?

Account is enough for applying the card.
Since they were not asking for income docs ,
for some people's the provide option to upload other bank account statement for evaluating the income.
Basically they approve card on the basics of CIBIL Score,Annual Income etc.
You can try by opening an account with them.
Approval is not guaranteed but the approval chance is higher for customers who are holding other bank credit cards.

It is better to opening account by visiting their branch.
In vkyc account some people's getting kyc error while applying the credit card

 

[mrbean]

I applied in October 2023, Account was opened in October 2022

I have seen a Bank of India credit card application video on YouTube showing as the card application is instant.but donot whether it is applicable to NTB.

 

[mrbean]

I applied in October 2023, Account was opened in October 2022

I have applied credit card for my cousin on 8th April.
The card is approved and sanctioned letter is delivered to email id
But the card is not generated in Mobile Banking application.
Does it takes 7working days

 

[Ak Singh]

I have seen a Bank of India credit card application video on YouTube showing as the card application is instant.but donot whether it is applicable to NTB.

Is it latest video on YouTube or old video.
Did they ask income documents?

 

[pprakash11]

I have applied credit card for my cousin on 8th April.
The card is approved and sanctioned letter is delivered to email id
But the card is not generated in Mobile Banking application.
Does it takes 7working days

Yes. Also, it takes upto 15 days for delivery as well
Depending upon type of city location it can be delivered thru Bluedart or India Post !!
If missed, then it will be redirected to branch.

 

[pprakash11]

Is it latest video on YouTube or old video.
Did they ask income documents?

They don't ask for income docs. Standard limit they assign is 1Lac.
Only ETB

 

[Strange]

They don't ask for income docs. Standard limit they assign is 1Lac.
Only ETB

Can we open BOI account online?
Can we apply BOI cc instantly after account activation like Indian Bank or Do we have to wait for sometime like 6 months or a year to apply?

 

[pprakash11]

Can we open BOI account online?
Can we apply BOI cc instantly after account activation like Indian Bank or Do we have to wait for sometime like 6 months or a year to apply?

I closed the account. Waise khol skte hain. But katayi wahiyaat service hai unki.

 

[Strange]

I closed the account. Waise khol skte hain. But katayi wahiyaat service hai unki.

Did you not apply for BOI CC?

 

[pprakash11]

Did you not apply for BOI CC?

I tried applying for my mom, last step tak gaya aur fir kabhi submit hi nahi hua application. Cancelled it and was rejected immediately. Ultimately closed her account as well.

 

[mrbean]

Yes. Also, it takes upto 15 days for delivery as well
Depending upon type of city location it can be delivered thru Bluedart or India Post !!
If missed, then it will be redirected to branch.

Ok😁.
Indian Bank approved card with 6minutes but rest of thing is little slow.
Still they are fine 😊

 

[mrbean]

I tried applying for my mom, last step tak gaya aur fir kabhi submit hi nahi hua application. Cancelled it and was rejected immediately. Ultimately closed her account as well.

By offline they don't provide credit card to anyone.
They only issue credit card to the customer of the ETB Loan account holders.I have tried to open BOI account but getting error and Asked to visit branch


While Canara Bank is issuing card on the basics of income proof.But the branch level card limit is 50k by Manager and Assistant Manager limit is 25k .Manager decision is ultimate.

They require 3Years ITR+6months other bank statement .
Also the manager has the power to approve the card on the basics of 1Year ITR.
For ETB customers having good relation they may issue card without additional income.
All the things is based on manager.

Always ask the manager about the credit card required documents and If manager is ok.Then only open the account.

But the thing is card limit is 50k or 25k.
Also The account having Minimum Balance is 1k or above.Also they provide pre-approved credit card on the basics of account.I think the limit 25k and 50k.
Previous they provide BOGO and Zomato offers.Now no others.
The Card is LTF.There will be a inactive fee of 100rs if not used for 1year less than some amount.


While Indian Bank is king of PSU credit cards.Card Approval is better than pvt banks

 

[mrbean]

By offline they don't provide credit card to anyone.
They only issue credit card to the customer of the ETB Loan account holders.I have tried to open BOI account but getting error and Asked to visit branch


While Canara Bank is issuing card on the basics of income proof.But the branch level card limit is 50k by Manager and Assistant Manager limit is 25k .Manager decision is ultimate.

They require 3Years ITR+6months other bank statement .
Also the manager has the power to approve the card on the basics of 1Year ITR.
For ETB customers having good relation they may issue card without additional income.
All the things is based on manager.

Always ask the manager about the credit card required documents and If manager is ok.Then only open the account.

But the thing is card limit is 50k or 25k.
Also The account having Minimum Balance is 1k or above.Also they provide pre-approved credit card on the basics of account.I think the limit 25k and 50k.
Previous they provide BOGO and Zomato offers.Now no others.
The Card is LTF.There will be a inactive fee of 100rs if not used for 1year less than some amount.


While Indian Bank is king of PSU credit cards.Card Approval is better than pvt banks

I think the IOB Card application portal is similar to PNB.But no idea about the application process

 

[leonneel]

Ok😁.
Indian Bank approved card with 6minutes but rest of thing is little slow.
Still they are fine 😊

Indian bank cc requires income proof? ITR?

 

[Ak Singh]

Indian bank cc requires income proof? ITR?

Depends on system..
They might ask or not .

 

[pprakash11]

Indian bank cc requires income proof? ITR?

Depends on system..
They might ask or not .

But as of now they aren't asking

 

[mrbean]

Indian bank cc requires income proof? ITR?

I think currently they are not asking any income proof but some people's getting option to upload bank statement.

 

[Enthusiast]

• Monthly income should be less than 12 times of annual income

How many times i tried...above error is coming...Anyone faced the same issue during application........