My Experience of Applying for a BOB Credit Card via the Card-to-Card Method

cardsduniya · Jan 9, 2025

Hello TechnoFino Community,

I wanted to share my recent experience of applying for a Bank of Baroda (BOB) Credit Card using the card-to-card method. Here's how it went:

I visited my local BOB branch and contacted the credit card representative. I informed him that I wanted to apply for a BOB credit card through the card-to-card method.
The representative asked me about my existing credit card details. I mentioned that I have an Axis Bank Airtel Credit Card with a credit limit of ₹1.6 lakhs and a history of 2.5 years. He agreed to proceed with the application and requested the following documents:

3 months of credit card statements
Aadhaar card
PAN card
A passport-size photo
A photo of my Airtel Axis Bank Credit Card

The representative filled in all the details on their application portal. After completing the initial formalities, he asked me which card I wanted.

The portal displayed several card categories:

Core Cards: Includes Eterna, Premier, Select, and Easy
Fuel Cards: Includes HPCL
Super Saver Cards: Includes Snapdeal
Travel Cards: Includes IRCTC

I opted for the Eterna (Core Card), but the portal then showed the eligibility results for my application:

Select: Chargeable
Premier: Chargeable
Easy: Lifetime Free (LTF)

Since I already have cards with higher rewards and value, I chose the Easy LTF Card. My primary reason for applying for a BOB credit card was to avail the fantastic offers that BOB cards provide these days, such as 10-15% instant discounts.

After my application was processed, I received a call from BOB after 7-8 days to cross-verify all the details I had submitted at the time of application. Once the verification was complete, I received a message another 7-8 days later informing me that my card had been approved (limit 50K).

Ankur34 · Jan 9, 2025

Any physical verification? Is you current address and aadhar address same?

cardsduniya · Jan 9, 2025

no physical verification
yes same current address and aadhar address

and i also hold BOB savings bank account which is 1 year old

QamarImam · Jan 9, 2025

whoadarshkumar said:
Hello TechnoFino Community,

I wanted to share my recent experience of applying for a Bank of Baroda (BOB) Credit Card using the card-to-card method. Here's how it went:

I visited my local BOB branch and contacted the credit card representative. I informed him that I wanted to apply for a BOB credit card through the card-to-card method.
The representative asked me about my existing credit card details. I mentioned that I have an Axis Bank Airtel Credit Card with a credit limit of ₹1.6 lakhs and a history of 2.5 years. He agreed to proceed with the application and requested the following documents:

3 months of credit card statements

Aadhaar card

PAN card

A passport-size photo

A photo of my Airtel Axis Bank Credit Card

The representative filled in all the details on their application portal. After completing the initial formalities, he asked me which card I wanted.

The portal displayed several card categories:

Core Cards: Includes Eterna, Premier, Select, and Easy

Fuel Cards: Includes HPCL

Super Saver Cards: Includes Snapdeal

Travel Cards: Includes IRCTC

I opted for the Eterna (Core Card), but the portal then showed the eligibility results for my application:

Select: Chargeable

Premier: Chargeable

Easy: Lifetime Free (LTF)

Since I already have cards with higher rewards and value, I chose the Easy LTF Card. My primary reason for applying for a BOB credit card was to avail the fantastic offers that BOB cards provide these days, such as 10-15% instant discounts.

After my application was processed, I received a call from BOB after 7-8 days to cross-verify all the details I had submitted at the time of application. Once the verification was complete, I received a message another 7-8 days later informing me that my card had been approved (limit 50K).

Was there a CIBIL hit?
What's the minimum MAB for your savings account?

Ankur34 · Jan 9, 2025

whoadarshkumar said:
no physical verification
yes same current address and aadhar address

and i also hold BOB savings bank account which is 1 year old

did they asked you about you income details? Do you have to fill it while as c2c?

R@J · Jan 9, 2025

Wahhh.....matlab ab do mahine ka TAT ka daur khatam ho gya hai BOB ka!

cardsduniya · Jan 10, 2025

QamarImam said:
Was there a CIBIL hit?
What's the minimum MAB for your savings account?

Yes I got a CIBIL hit

MAB 2k

cardsduniya · Jan 10, 2025

Ankur34 said:
did they asked you about you income details? Do you have to fill it while as c2c?

the guy asked the employment details and fill it too in the application and also in phone verification he just asked the same details like company name,salary,address etc but i have not submitted any proof of it.

cardsduniya · Jan 10, 2025

R@J said:
Wahhh.....matlab ab do mahine ka TAT ka daur khatam ho gya hai BOB ka!

TAT means ?

telescope · Jan 10, 2025

whoadarshkumar said:
TAT means ?

Turn around time

RAMESH BABU N · Jan 10, 2025

Turn Around Time (TAT).

My Experience of Applying for a BOB Credit Card via the Card-to-Card Method

cardsduniya

TF Buzz

After my application was processed, I received a call from BOB after 7-8 days to cross-verify all the details I had submitted at the time of application. Once the verification was complete, I received a message another 7-8 days later informing me that my card had been approved (limit 50K).

Ankur34

TF Select

cardsduniya

TF Buzz

QamarImam

TF Buzz

After my application was processed, I received a call from BOB after 7-8 days to cross-verify all the details I had submitted at the time of application. Once the verification was complete, I received a message another 7-8 days later informing me that my card had been approved (limit 50K).

Ankur34

TF Select

R@J

TF Ace

cardsduniya

TF Buzz

cardsduniya

TF Buzz

cardsduniya

TF Buzz

telescope

TF Legend

RAMESH BABU N

TF Legend

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My Experience of Applying for a BOB Credit Card via the Card-to-Card Method

TF Buzz

After my application was processed, I received a call from BOB after 7-8 days to cross-verify all the details I had submitted at the time of application. Once the verification was complete, I received a message another 7-8 days later informing me that my card had been approved (limit 50K).​

TF Select

TF Buzz

TF Buzz

After my application was processed, I received a call from BOB after 7-8 days to cross-verify all the details I had submitted at the time of application. Once the verification was complete, I received a message another 7-8 days later informing me that my card had been approved (limit 50K).​

TF Select

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TF Legend

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After my application was processed, I received a call from BOB after 7-8 days to cross-verify all the details I had submitted at the time of application. Once the verification was complete, I received a message another 7-8 days later informing me that my card had been approved (limit 50K).

After my application was processed, I received a call from BOB after 7-8 days to cross-verify all the details I had submitted at the time of application. Once the verification was complete, I received a message another 7-8 days later informing me that my card had been approved (limit 50K).