One Card offers upgrade from FD to unsecured card

[Dexter]

I have got an offer in the OneCard app to upgrade to unsecured card. I had FD of 10k. Now they are giving limit of 3.6L and processing refund of FD.



Earlier, I had SBM bank Visa card. Now it is offered in Mastercard CSB bank. I had to complete KYC again.

 

[Cc_creditguy]

Hi Team,
My sister also got upgrade offer from secured to unsecured, She using SBM card almost 18 months, Her FD amount is Rs. 1,16,000 but got offer of Rs. 20,000 only. She had no any other credit cards.

I have some questions
1. Should she wait for next offer or she can grab this offer.
2. What about reward points, it will credited in new card or not?
3. She will got 5x reward points if she upgrade?

Thanks

I would say take it coz u can apply fd idfc wow card , and u can also use this card if limit is important for you don't take it

 

[Strange]

Hi Team,
My sister also got upgrade offer from secured to unsecured, She using SBM card almost 18 months, Her FD amount is Rs. 1,16,000 but got offer of Rs. 20,000 only. She had no any other credit cards.

I have some questions
1. Should she wait for next offer or she can grab this offer.
2. What about reward points, it will credited in new card or not?
3. She will got 5x reward points if she upgrade?

Thanks

Banking partner? .

 

[meru]

Banking partner? .

BOB card provider

 

[knockoffaxis101]

Hi Team,
My sister also got upgrade offer from secured to unsecured, She using SBM card almost 18 months, Her FD amount is Rs. 1,16,000 but got offer of Rs. 20,000 only. She had no any other credit cards.

I have some questions
1. Should she wait for next offer or she can grab this offer.
2. What about reward points, it will credited in new card or not?
3. She will got 5x reward points if she upgrade?

Thanks

If you want your money then take it otherwise use this card for for next 3 months regularly and leave it.

You might get better offer BUT again it can take 1,2,3 to 12 months. We don't know anything about that.

 

[knockoffaxis101]

BOB card provider

BoB partnered Onecard is good with LE.

 

[Strange]

BOB card provider

Don't take it as you won't be able to get a regular BOB card. BOB doesn't increase credit limits, or if they do, it will be very low.

 

[ashwink]

Don't take it as you won't be able to get a regular BOB card. BOB doesn't increase credit limits, or if they do, it will be very low.

You can get without any problems 🤣

 

[Strange]

You can get without any problems 🤣

But You will be stuck with low limit. 🤣

 

[ashwink]

But You will be stuck with low limit. 🤣

That's debatable 🤣

 

[praful47]

That's debatable 🤣

My First unsecured card was one card by bob with a limit of 15 k.(8 months old)
I mailed them to increase the limit .
You will not 😱😱 believe my credit limit was increased to ₹25k

 

[_na_cheese]

My First unsecured card was one card by bob with a limit of 15 k.(8 months old)
I mailed them to increase the limit .
You will not 😱😱 believe my credit limit was increased to ₹25k

BOB gives LEs easily. Even if you don't get auto le you can mail em every six months.

They don't hit cibil for manual les.

 

[raghu.rokda]

BOB gives LEs easily. Even if you don't get auto le you can mail em every six months.

They don't hit cibil for manual les.

Not every six months

Every one year

 

[Strange]

BOB gives LEs easily. Even if you don't get auto le you can mail em every six months.

They don't hit cibil for manual les.

We have to send income proofs right?

 

[its_karan]

Don't take it as you won't be able to get a regular BOB card. BOB doesn't increase credit limits, or if they do, it will be very low.

Thoughts if partner is CSB Bank?

My friend is getting CSB

Should wait (Indian Bank/BOB Financial)

or should go with it(CSB Bank)

 

[_na_cheese]

We have to send income proofs right?

Slips for Salaried and Bank statement for self employed.

No itr.

 

[Strange]

Thoughts if partner is CSB Bank?

My friend is getting CSB

Should wait (Indian Bank/BOB Financial)

or should go with it(CSB Bank)

I have no idea about CSB.

 

[gabzvee]

Update: My previous offer from South Indian bank had gone (expired) a few days after a it came out, even though they said 30 days...

However, 2-3 days ago I got another offer from BOB Card, with the same limit... So I've gone ahead with it...
Process was oddly simple with almost nothing to be done...

I thought the KYC would be v-kyc, etc... but nothing.
Just had to select my address, and done in 5min

Now its saying 24hrs to process the new card

Edit: Ok, now looking through some of the messages here... Was it right to go ahead with BOB Card or should I have waited for some other bank? 😅

Also, I had a 52k limit with FD with SBM bank earlier, now new limit is only 1,05,000 from BOB, which is probably based on my 1L limit from APay?

 

[anantnitish]

My First unsecured card was one card by bob with a limit of 15 k.(8 months old)
I mailed them to increase the limit .
You will not 😱😱 believe my credit limit was increased to ₹25k

Unbelievable to say the least

 

[AnungUnRama]

Should she wait for next offer or she can grab this offer.

She definitely should grab the offer because, knowing OneCard, the next offer may never come.

 

[knockoffaxis101]

She definitely should grab the offer because, knowing OneCard, the next offer may never come.

Yes... Happened with me but not because of my desicion,it's just vanished after 3 days.
⚠️ For those who got offer ⚠️
"DON'T THINK YOU HAVE FULL 30 DAYS."

And i her case 1L+ stuck in FD. 👀