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?

 

[SplendorSuperman]

What is the limit you guys are getting on approval of BoB Snapdeal?
They provided me only 1.5 lac limit on card approved 2 days back, not that I am gonna use that much but still.
Should have applied Eterna but then it has high fee.

It was approved yesterday, don’t know what card and limit I got yet.

 

[Nishan11]

After how many days you got virtual snapdeal?
Did you ask for it?

Within 20 days. It was pre approved.

 

[butaiiem]

Within 20 days. It was pre approved.

What was your spending pattern in that period?

 

[SSV]

What was your spending pattern in that period?

Spends in 20 days won’t be considered as pattern … it is too shorter period…

They just gave him and others in that batch based on their new cards.. I believe spends would not had played any role in this

 

[bigbyte]

I didn't want to open a new thread so posting my question here:

Question ❓ Shall I activate my newly acquired BoB Snapdeal Card?

Background: BoB Snapdeal was recently approved for me after long delay and I lost interest. I already have Tata Neu and SBI SimplySave Rupay cards.

As such I don't see much use case for BoB Snapdeal cards for rs. 250 yearly fee .
UPI is 1% upto 125 on BoB Snapdeal, easily beaten by Neu.
2.5% online is beaten by sbi Cashback and I am not interested in money rotation.
Grocery shopping is minimal offline.

Snapdeal purchases , I don't think anyone buys anything from Snapdeal these days.

So, is there anyway where I can extract benefits from this card? And shall I activate it?

 

[Deepak_Shetty]

I didn't want to open a new thread so posting my question here:

Question ❓ Shall I activate my newly acquired BoB Snapdeal Card?

Background: BoB Snapdeal was recently approved for me after long delay and I lost interest. I already have Tata Neu and SBI SimplySave Rupay cards.

As such I don't see much use case for BoB Snapdeal cards for rs. 250 yearly fee .
UPI is 1% upto 125 on BoB Snapdeal, easily beaten by Neu.
2.5% online is beaten by sbi Cashback and I am not interested in money rotation.
Grocery shopping is minimal offline.

Snapdeal purchases , I don't think anyone buys anything from Snapdeal these days.

So, is there anyway where I can extract benefits from this card? And shall I activate it?

What about 2.5% cash back for wallet loading. Even paid Eterna gives little more rewards, that's it. For online BoB sales offer this 2.5% is cherry on cake. I don't know if we get cash back for EMI transaction. If it gives, it will be one of the best card.

 

[bigbyte]

What about 2.5% cash back for wallet loading. Even paid Eterna gives little more rewards, that's it. For online BoB sales offer this 2.5% is cherry on cake. I don't know if we get cash back for EMI transaction. If it gives, it will be one of the best card.

Wallet load se Money rotation mei not interested. Other than that?

 

[SSV]

I didn't want to open a new thread so posting my question here:

Question ❓ Shall I activate my newly acquired BoB Snapdeal Card?

Background: BoB Snapdeal was recently approved for me after long delay and I lost interest. I already have Tata Neu and SBI SimplySave Rupay cards.

As such I don't see much use case for BoB Snapdeal cards for rs. 250 yearly fee .
UPI is 1% upto 125 on BoB Snapdeal, easily beaten by Neu.
2.5% online is beaten by sbi Cashback and I am not interested in money rotation.
Grocery shopping is minimal offline.

Snapdeal purchases , I don't think anyone buys anything from Snapdeal these days.

So, is there anyway where I can extract benefits from this card? And shall I activate it?

Cart before 🐎.
😉

 

[SSV]

I didn't want to open a new thread so posting my question here:

Question ❓ Shall I activate my newly acquired BoB Snapdeal Card?

Background: BoB Snapdeal was recently approved for me after long delay and I lost interest. I already have Tata Neu and SBI SimplySave Rupay cards.

As such I don't see much use case for BoB Snapdeal cards for rs. 250 yearly fee .
UPI is 1% upto 125 on BoB Snapdeal, easily beaten by Neu.
2.5% online is beaten by sbi Cashback and I am not interested in money rotation.
Grocery shopping is minimal offline.

Snapdeal purchases , I don't think anyone buys anything from Snapdeal these days.

So, is there anyway where I can extract benefits from this card? And shall I activate it?

Shall I ask a question 🤔 because it would not be nice to ask this anywhere else??

Why did you apply for this card knowing all these options that are available to you??

Okay..
Coming back to the business..
Now that you got BOB card you lost interest in it. Do one thing ask them to upgrade to Eterna while putting the closure request, if they deny just close the card..
If you are thinking about it whether to activate or not, there is 99% chance you won't use this card..
Close this card as simple as that

 

[Deepak_Shetty]

Wallet load se Money rotation mei not interested. Other than that?

Wallet loading doesn't mean money rotation in all the cases. Even I am also not doing such money rotation.

 

[jack333]

Wallet load se Money rotation mei not interested. Other than that?

Load payzapp wallet and use nfc tap and pay for all offline spends. So you'll get 2.5% which is better than 2% of ace and SC smart

 

[bigbyte]

Why did you apply for this card knowing all these options that are available to you??

I didn't have any Rupay card when I applied this card. They took their own sweet time and I got Neu Infinity and SbI Simply Save during this.

Okay..
Coming back to the business..
Now that you got BOB card you lost interest in it. Do one thing ask them to upgrade to Eterna while putting the closure request, if they deny just close the card..

If I don't activate it, it will be closed automatically within 30 days, isn't it?

If you are thinking about it whether to activate or not, there is 99% chance you won't use this card..
Close this card as simple as that

Yeah, precisely this is what I am thinking. Wish it was LTF.

 

[bigbyte]

Load payzapp wallet and use nfc tap and pay for all offline spends. So you'll get 2.5% which is better than 2% of ace and SC smart

This is one use case I was thinking of specially when ACE is now 1.5% and I don't have ACE .

 

[_amit_]

Can anyone please share the Member Name from CIBIL enquiry section for BoB cards?

Is it BOB or BOBCARD or BOBFINANCIAL?

 

[SplendorSuperman]

Can anyone please share the Member Name from CIBIL enquiry section for BoB cards?

Is it BOB or BOBCARD or BOBFINANCIAL?

BOB FINANCIAL it is

 

[brightknight]

mine application got rejected without office verification stating " the applicant denied applying for any credit card & Neighbours denied the existence of the applicant nearby."

edit: after RBI Ombudsman complaint it's now been approved.

 

[_amit_]

mine application got rejected without office verification stating " the applicant denied applying for any credit card & Neighbours denied the existence of the applicant nearby."

edit: after RBI Ombudsman complaint it's now been approved.

You complained to RBI Ombudsman or just threaten them with it?
In case you did complained, would you please share what was the description and how it went.


These small things will help community a lot especially when someone encounters such scenarios.

 

[SplendorSuperman]

mine application got rejected without office verification stating " the applicant denied applying for any credit card & Neighbours denied the existence of the applicant nearby."

edit: after RBI Ombudsman complaint it's now been approved.

BoB is total clownshow , mine took 31 days for approval.

 

[brightknight]

You complained to RBI Ombudsman or just threaten them with it?
In case you did complained, would you please share what was the description and how it went.


These small things will help community a lot especially when someone encounters such scenarios.

i registered complaint to RBI ombudsman after appealing with BOB twice to reconsider. seeing them declining to carry out necessary verification i filled a complaint stating that BOB has rejected my application on the ground i mentioned earlier even when nobody contacted me. So, I requested the RBI to ensure that the BOB team completes the application process properly, or else remove the cibil hit.

 

[brightknight]

What is the limit you guys are getting on approval of BoB Snapdeal?
They provided me only 1.5 lac limit on card approved 2 days back, not that I am gonna use that much but still.
Should have applied Eterna but then it has high fee.

how did you check the Credit limit? it's been more than 2-3 days & no further info after approval over SMS as of now.