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?

 

[bigbyte]

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.

After 3-4 days of card approval you can get last 4 digits of card either via SMS or once you try linking with any UPI app.
Once you have last 4 digits you can activate it on BoB card app and see all details.

 

[jetesh]

After 3-4 days of card approval you can get last 4 digits of card either via SMS or once you try linking with any UPI app.
Once you have last 4 digits you can activate it on BoB card app and see all details.

add rupay card in your paytm account and use it immediately.

 

[insight]

My eterna credit card application experience:-

Tried to do C2C with Branch agent, they refused to do C2C for eterna but were ready to do it for easy,select & premier card.

So applied online on 1st April 2024. Except Eterna, all three cards ( Easy, Select & Premier ) shown as LTF. But I still chose paid Eterna as I can fulfill criteria of getting joining fees reversed & annual fees too. Will try for LTF too because of my NRV with bank.

Back to application process, selected salaried. Filled personal & professional details. State government officer at Chhattisgarh secretariat.

There was option to select option if you have saving account with Bob, I selected No. Then it showed option to enter other bank credit card details & limit. I mentioned my Axis Atlas with 10 L limit.

Then esigned application. Uploaded my photo, PAN, Adhar.
In income documents option, I uploaded Axis Atlas one month statement. Make one pdf containing credit card statement, front & back of credit card ( mask CVV ).


After this , No Vkyc. Just got application number.

Sent them mail for Vkyc link on same day, got reply on 2nd April evening that it's completed & asked me to wait for update.

On 3rd April got call from verification agent, he visited my home & office. He was nice & polite. Took selfie with me in home to upload in tab. Took picture of home building & office building from outside. Always try to crosscheck details filled by agent in tab. In hurry they can do mistakes.

Today 5th April evening, got message that card is approved & will dispatch shortly. Checked tracker, it's also showing approved now.

That's story so far. Will add details about card limit & other things after delivery. 😊

@SSV @Venky

I need to replicate some of this.

Thanks for the detailed steps and insights.

Most people here need to learn to give clear detailed steps in one block instead of one line answers across 10 replies.

 

[Akashn]

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.

Did they ask for any documents after this mail?

 

[SplendorSuperman]

Did they ask for any documents after this mail?

I had to send the DL , Aadhar and Voter Id few times more.
Complained to PNO , IPV happened and Application was approved a week later.

It took nearly 32 days for approval since application submission.

 

[Akashn]

I had to send the DL , Aadhar and Voter Id few times more.
Complained to PNO , IPV happened and Application was approved a week later.

It took nearly 32 days for approval since application submission.

Ok then. Mann ki tayari kar leta hu. Mujhe bhi 20+ days hogaye 🛌

 

[SplendorSuperman]

Ok then. Mann ki tayari kar leta hu. Mujhe bhi 20+ days hogaye 🛌

Thing is nudge crm , escalations every few days then only you’ll get to know what document is “MISSING” .
Then send the document again and process goes on 💀💀

 

[hitirfan]

I received call from BOB Cards after few days of Card approval to send documents for Card approval 🤪🤪🤪

 

[Akashn]

Thing is nudge crm , escalations every few days then only you’ll get to know what document is “MISSING” .
Then send the document again and process goes on 💀💀

Yeah doing the same. Ek to wo reply late karte hai toh kuch samjh nahi aata.. lets see ab

 

[SplendorSuperman]

Yeah doing the same. Ek to wo reply late karte hai toh kuch samjh nahi aata.. lets see ab

Reply ki chinta na karo , bas mail karo khata khat

 

[Akashn]

Reply ki chinta na karo , bas mail karo khata khat

Alright. Thank you🤝

 

[RohitSah]

Hey Everyone👋

I want to apply for BOB card. So kindly help me with my application.
I am self employed with CIBIL 782.
Want to apply on C2C Basis, so on basis of which card should I apply?

Flipkart Axis - 1.6L limit, 2.5yrs old with 25% usage.
Axis Myzone.
APay ICICI - 1.1L, 2.5yrs, 5%
SBI Simplyclick - 78k, 2yrs, 5%
Kotak League - 1.65L, 2yrs, 5%
HDFC Swiggy - 1L, 1yr, 25%
Au Xcite Ace - 1.8L, 5months, 10%
AMEX MRCC- 2.3L, 5months, 2%
IndusInd Legend, 1.76L, 4months, 0%

Which card should I use for C2C and which BOB card should I apply? Can i get premier?

 

[SplendorSuperman]

Hey Everyone👋

I want to apply for BOB card. So kindly help me with my application.
I am self employed with CIBIL 782.
Want to apply on C2C Basis, so on basis of which card should I apply?

Flipkart Axis - 1.6L limit, 2.5yrs old with 25% usage.
Axis Myzone.
APay ICICI - 1.1L, 2.5yrs, 5%
SBI Simplyclick - 78k, 2yrs, 5%
Kotak League - 1.65L, 2yrs, 5%
HDFC Swiggy - 1L, 1yr, 25%
Au Xcite Ace - 1.8L, 5months, 10%
AMEX MRCC- 2.3L, 5months, 2%
IndusInd Legend, 1.76L, 4months, 0%

Which card should I use for C2C and which BOB card should I apply? Can i get premier?

Preferably use the card which has low CUR and also is atleast a year old.

 

[RohitSah]

Preferably use the card which has low CUR and also is atleast a year old.

Means Kotak League should be perfect?

 

[SplendorSuperman]

Means Kotak League should be perfect?

Yes , I guess

 

[bigbyte]

Nothing is perfect or full proof when it comes to BoB cards. BoB works in most mysterious ways

 

[BrokenBoot]

They Rejected me stating Adhaar number on Cc Form and the Adhaar copy i sent over email mis matching

 

[jetesh]

They Rejected me stating Adhaar number on Cc Form and the Adhaar copy i sent over email mis matching

Either reapply for or go for a FD-based credit card.

 

[BrokenBoot]

Either reapply for or go for a FD-based credit card.

why should i reapply . I entered correct adhaar number and sent the same adhaar card on mail

 

[brightknight]

why should i reapply . I entered correct adhaar number and sent the same adhaar card on mail

file a Complaint on RBI Ombudsman