Is there a way to apply for BOB credit cards without Income Proof?

[VibhavBilgoji]

Is there a way to apply for BOB credit cards without Income Proof?
I want to apply for Snapdeal Credit card, mainly because of its 2.5% cashback on groceries and departmental stores. But during the application it asks for Income documents. i dont have to RN, i am too lazy to get them. is there a way i can apply for this card without income documents?

 

[Deepak_Shetty]

Pray that they dont ask for every document in possession.😂

I have attached my bank statement, recent photo and current residential address proof (DL photo) in application, nothing else. Just wrote other credit card's limit, no card photos, statement and all. They didn't ask anything further.

 

[Rahul Gupta]

So finally my Bank Of Baroda " ETERNA " arrived today 🥳.

First target to spend 25k soon to get joining fee waiver.

Still no idea what I should to with fit pass? 🤣


@SSV @Deepak_Shetty

Did you apply c2c? and whats the minimum floor limit for c2c? any verifications? Time they took from applcation submission to card approval?

 

[SSV]

I have attached my bank statement, recent photo and current residential address proof (DL photo) in application, nothing else. Just wrote other credit card's limit, no card photos and all. They didn't ask anything further.

I think @Nishan11 and you got lucky and got the card approval within some 4 or 5 days as well..
I actually applied based on your experience..
Lets see what happens..

 

[Deepak_Shetty]

I have attached my bank statement, recent photo and current residential address proof (DL photo) in application, nothing else. Just wrote other credit card's limit, no card photos, statement and all. They didn't ask anything further.

They were asking other credit card's issuing limit in the application, not current one. I have used IDFC wealth card limit, that's what I got lower limit 🤣

 

[Deepak_Shetty]

I think @Nishan11 and you got lucky and got the card approval within some 4 or 5 days as well..
I actually applied based on your experience..
Lets see what happens..

I think it's all because of holidays and all. Will get into the track in coming days.

 

[Nishan11]

Did you apply c2c? and whats the minimum floor limit for c2c? any verifications? Time they took from applcation submission to card approval?

My application journey

https://www.technofino.in/community...-cards-without-income-proof.20318/post-595134

 

[SSV]

I think it's all because of holidays and all. Will get into the track in coming days.

I too think so..
There were two holidays in this week.. so probably staff went on leave taking another day off..
SO probably by next week it will come in order..

 

[Nishan11]

I think @Nishan11 and you got lucky and got the card approval within some 4 or 5 days as well..
I actually applied based on your experience..
Lets see what happens..

Your application will approve shortly after physical verification. I also uploaded same documents. I hope it happens soon.

 

[SSV]

Your application will approve shortly after physical verification. I also uploaded same documents. I hope it happens soon.

Yeah, this physical verification is not happening yet.. I think once it goes to physical verification stage, it will get approved basis positive report from verification guys..

 

[bigbyte]

I am also with you.. dont worry...
my application is still in process since april 6th.. didnt hear anything from them after my application..
hope it doesnt take 1 month

Add me also in the waiting list. 😂

What card did you apply? I applied for Snapdeal.

 

[SSV]

Add me also in the waiting list. 😂

What card did you apply? I applied for Snapdeal.

Eternally Yours .. Eterna !! .

 

[KLB@96]

guys I applied for BoB easy card and it was declined few months ago. Can I ask them to reconsider now in email or apply again fresh as I have sent multiple emails to them ( kyc docs, income) few months ago

 

[SSV]

guys I applied for BoB easy card and it was declined few months ago. Can I ask them to reconsider now in email or apply again fresh as I have sent multiple emails to them ( kyc docs, income) few months ago

re-applying is better I guess..

 

[NShah]

I am also with you.. dont worry...
my application is still in process since april 6th.. didnt hear anything from them after my application..
hope it doesnt take 1 month

DM them on x, they will share the exact status of your application
I Dm them on 8th April, today they replied and again asked me to share government ID for DOB proof and 3 months bank statement for income proof, I had previously shared only CC image and CC statement and Aadhaar copy
My application is pending since 4th April

 

[SSV]

had previously shared only CC image and CC statement and Aadhaar copy

May I know, the which CC you used for C2C and its limit..

I used my Infinia with 8L

 

[SSV]

I need some BOB credit cards for emi transaction of 17k approx if someone have let's make a deal. I know this is not a right thread to ask this but as of now this thread is active, later on I will delete it.

You didnt find any relevant thread in RML group for this.., if not you may open a new thread..

 

[NShah]

May I know, the which CC you used for C2C and its limit..

I used my Infinia with 8L

Axis previlege cc limit 1.63L

 

[bigbyte]

Eternally Yours .. Eterna !! .

I should have applied for Eterna but Rupay UPI 1% ke chakkar mei I applied Snapdeal.
Never mind, it’s 3.75% vs 2.5% for 2499 vs 249 in fee. Eterna conversion to LTF was anyway unlikely for me.
BoB has uploaded updated MITC and Exclusions for Reward points in March 2024, so not sure how long we can extract benefits.

 

[Rahul Gupta]

I should have applied for Eterna but Rupay UPI 1% ke chakkar mei I applied Snapdeal.
Never mind, it’s 3.75% vs 2.5% for 2499 vs 249 in fee. Eterna conversion to LTF was anyway unlikely for me.
BoB has uploaded updated MITC and Exclusions for Reward points in March 2024, so not sure how long we can extract benefits.

2.5%? and can you share that MITC file or link?

 

[bigbyte]

2.5%? and can you share that MITC file or link?

Snapdeal is 10 points per 100 for online so it is 2.5%. Eterna is 15 so it's 3.75%.
MITC
Reward points TnC

Also if you can reach Milestone then even better reward rate in Eterna along with AF waiver.