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?

 

[Rahul Gupta]

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.

What about upi rp? is it same?

 

[bigbyte]

What about upi rp? is it same?

1% max rs. 125 in a month.

 

[SSV]

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

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

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

Add me also in the waiting list. 😂

What card did you apply? I applied for Snapdeal.

Just now, Physical verification - Home.. done..
He said there is no need for Office Verification for me...

For the first time a verification guy asked me for some Tea Money... I gave him INR 200...

Lets see what happens.. He said no office verification required.. It seems I dont need to submist any more docs...

 

[Nishan11]

Just now, Physical verification - Home done..
He said there is no need for Office Verification for me...

For the first time a verification guy asked me for some Tea Money... I gave him INR 200...

Lets see what happens.. He said no office verification required.. It seems I dont need to submist any more docs...

200 is worth it if it gets approved quickly with decent limit 😂.

My agent asked me to find job opportunity for him in Secretariat at class 4 or 3 level as contractual employee 😂.

I said not possible but since he requested a lot, I said remind me once moral code of conduct ends after election.

 

[SSV]

200 is worth it if it gets approved quickly with decent limit 😂.

My agent asked me to find job opportunity for him in Secretariat at class 4 or 3 level as contractual employee 😂.

I said not possible but since he requested a lot, I said remind me once moral code of conduct ends after election.

Yeah, because he delivered the good news of no office physical verification required, I gave him 200.
Otherwise, for me to go to office and come back would have costed me more than 500 by taxi…
So a saving of 300 there plus my time!! 😉

I saved his number…
Hopefully it gets approved by tomorrow…
I think I get the standard 3L limit .. that’s enough for me…
I don’t want to be over leveraged also

 

[Rahul Gupta]

Just now, Physical verification - Home done..
He said there is no need for Office Verification for me...

For the first time a verification guy asked me for some Tea Money... I gave him INR 200...

Lets see what happens.. He said no office verification required.. It seems I dont need to submist any more docs...

Bhai 200rs? Sc smart ke liye bande ne 1500rs mange the yha.

 

[SSV]

Bhai 200rs? Sc smart ke liye bande ne 1500rs mange the yha.

Actually I wanted to give him 100 only.. but somehow I thought it may be very less considering outside temperature is very hot

 

[Rahul Gupta]

Yeah, because he delivered the good news of no office physical verification required, I gave him 200.
Otherwise, for me to go to office and come back would have costed me more than 500 by taxi…
So a saving of 300 there plus my time!! 😉

I saved his number…
Hopefully it gets approved by tomorrow…
I think I get the standard 3L limit .. that’s enough for me…
I don’t want to be over leveraged also

Do they mind about the number of inquiries in cibil?

 

[Nishan11]

Actually I wanted to give him 100 only.. but somehow I thought it may be very less considering outside temperature is very hot

200 rs is justified because of no office verification. I would have done the same.

 

[SSV]

Do they mind about the number of inquiries in cibil?

I don’t think so.. will let you know once a decision is made on my card..
I have at least 16 in the last 6 months

 

[Nishan11]

Do they mind about the number of inquiries in cibil?

I had 8 enquiries in cibil till i joined this forum in early 2023. Now I have 51 enquires, still all my cards get approved without trouble. 🤣

 

[SplendorSuperman]

Just now, Physical verification - Home done..
He said there is no need for Office Verification for me...

For the first time a verification guy asked me for some Tea Money... I gave him INR 200...

Lets see what happens.. He said no office verification required.. It seems I dont need to submist any more docs...

Seems BoB Card Team in my zone/area is pretty slow/too sarkari 🙂🙂.

 

[SSV]

Seems BoB Card Team in my zone/area is pretty slow/too sarkari 🙂🙂.

Which zone are you from?

 

[SplendorSuperman]

Which zone are you from?

I’m from UP , they asked me send documents to Lucknow email.
So that may be the one.

 

[SSV]

I’m from UP , they asked me send documents to Lucknow email.
So that may be the one.

When did you apply?
If they ask for any further docs, the process generally gets delayed

 

[NShah]

I’m from UP , they asked me send documents to Lucknow email.
So that may be the one.

Rural location?
Iam from Maharashtra,They ask me to send documents to Mumbai email

 

[SSV]

I’m from UP , they asked me send documents to Lucknow email.
So that may be the one.

After the online application, if they don’t ask for any further docs then the process will be completed within a week, otherwise it might take up to 2 to 4 weeks… in my view

 

[SplendorSuperman]

When did you apply?
If they ask for any further docs, the process generally gets delayed

Received this from escalations RN
“ We refer to your trail mail and inform you that your credit card application is under process and you will receive update about the final decision shortly.”

First they asked for DOB proof saying Aadhar ok but proof required 🤣

Next they wanted Aadhar Copy itself.

Now application is under process.

 

[SplendorSuperman]

Rural location?
Iam from Maharashtra,They ask me to send documents to Mumbai email

Naah bro , I won’t say VNS is Rural.

 

[SSV]

Received this from escalations RN
“ We refer to your trail mail and inform you that your credit card application is under process and you will receive update about the final decision shortly.”

First they asked for DOB proof saying Aadhar ok but proof required 🤣

Next they wanted Aadhar Copy itself.

Now application is under process.

I think it is going in the right direction..
Your physical verification done or not?