OneCard banking partner changed from IDFC to BOB Finance.

[ichiranjeeb]

Today, I got a notification saying some new features are available for my OneCard.
But get those features, I have to change the banking partner from IDFC to BOB Financial.

Here are the new features:

1. My Family: Share your credit limit with loved ones and give them their OneCard within minutes.
2. Auto Pay: Setup Auto Pay and enjoy timely bill payment for your OneCard
3. Subscription Hub: Manage and track all your OneCard subscriptions in one place

and after the change, I will get a new metal card and 5000 reward points after activation of the new card. Sweet.

 

[dealsindia2018]

I too migrated my OneCard, instead of FEDERAL, they migrated to BOB.. I had applied for BOB LTF card during the same period. My Video KYC wasn't completed yet as it was bank holiday for 2-4 days in a row.

Without my kyc completed I received and email from BOB that they can not issue card for internal reasons.

Not sure about the reason being onecard (BOB) Or video kyc not completed in time.

Limit for one card increased from 5L to 7L.
5k coins as bonus.
My friend received 10k bonus coins for upgrade.

It's strange that after I posted this message even though I received a mail that my application is rejected (05/04/22). I received a video kyc link.

I have just completed my video kyc for BOB.
Lets see if this goes through.

 

[Batmanbaba]

It's strange that after I posted this message even though I received a mail that my application is rejected (05/04/22). I received a video kyc link.

I have just completed my video kyc for BOB.
Lets see if this goes through.

Yours will be accepted... Mine also same... Happened... Accepted in a day after vkyc...

 

[Batmanbaba]

you can go for one card bob, bob will not count this card as bob cards... so don't worry

But in cibil... It will show as... Bob card...not one card....

 

[KumarS]

But in cibil... It will show as... Bob card...not one card....

Correct. Because it's using BoB balance sheet and 1Card is for marketing purposes only. The regulatory liability is with BoB hence it will report as BoB card in Cibil

 

[Batmanbaba]

Correct. Because it's using BoB balance sheet and 1Card is for marketing purposes only. The regulatory liability is with BoB hence it will report as BoB card in Cibil

Yes.... But banks are not accepting... One card for c2c... Only idfc is taking it for c2c


Even thought its bob or idfc or federal or sbm bank

 

[KumarS]

Yes.... But banks are not accepting... One card for c2c... Only idfc is taking it for c2c


Even thought its bob or idfc or federal or sbm bank

Hence one should mainly look for getting first few cards from large banks (even if limit is low) like HDFC, ICICI, SBI, axis etc

 

[Batmanbaba]

Hence one should mainly look for getting first few cards from large banks (even if limit is low) like HDFC, ICICI, SBI, axis etc

Yes..... Bob( bank of baroda) these days is getting easy..... I applied for all.. Only got bob... No vcall.. No ipv nothing....

 

[Harry1]

Yours will be accepted... Mine also same... Happened... Accepted in a day after vkyc...

So they are giving video kyc option now. For me, they gave only physical kyc option.

 

[TechnoFinoTechnoFino is verified member.]

But in cibil... It will show as... Bob card...not one card....

Yes... because the actual lender is bob. But don't worry.. you can still apply for core bob card

 

[Harry1]

Yes... because the actual lender is bob. But don't worry.. you can still apply for core bob card

Does BOB offers also apply on onecard?

 

[alanabraham]

Does BOB offers also apply on onecard?

No. Bank offers are not applicable on OneCard Irrespective of banking partners. They have their on offers time to time.

 

[Harry1]

No. Bank offers are not applicable on OneCard Irrespective of banking partners. They have their on offers time to time.

But how do they know? I think bin numbers are similar. My onecard in cred is detected as BOB card only.

 

[alanabraham]

But how do they know? I think bin numbers are similar. My onecard in cred is detected as BOB card only.

I tried in amazon & flipkart. Offer didn't applied. Even I asked with customer care and they told that OneCard offer is not same as partner bank offer.

 

[ChurningNoob]

I just applied for OneCard and received confirmation email saying spend limit is 4.5L and banking partner is Federal Bank

 

[mgforce]

I tried in amazon & flipkart. Offer didn't applied. Even I asked with customer care and they told that OneCard offer is not same as partner bank offer.

I heard during recent sales where there were offers on One Card and Federal Bank - OneCard users got double dip

 

[alanabraham]

I heard during recent sales where there were offers on One Card and Federal Bank - OneCard users got double dip

Those are the luckiest one's. Though I don't think that offer will sustain.

 

[ChurningNoob]

I heard during recent sales where there were offers on One Card and Federal Bank - OneCard users got double dip

What is a double dip?

 

[hriday.haria]

What is a double dip?

Double dip here simply meant, OneCard users with Banking Partner as Federal Bank were able to avail offers by both : OneCard and Federal Bank.

In normal scenarios, it cannot be done. For example, my OneCard is issued by IDFC First Bank, and I cannot avail offers for IDFC First Bank using my OneCard issued by IDFC First Bank as they have separate Bin Numbers.

 

[mgforce]

Those are the luckiest one's. Though I don't think that offer will sustain.

Indeed.... may be some bug or people didn't thought through.

But what I wanted to share was that so far OneCard (issued by X Bank) worked when e-Com site ran offers with X Bank (Federal, BOB etc)

In future, it is going to be decided by bin series.. Private Banks will do it faster

 

[ChurningNoob]

Double dip here simply meant, OneCard users with Banking Partner as Federal Bank were able to avail offers by both : OneCard and Federal Bank.

In normal scenarios, it cannot be done. For example, my OneCard is issued by IDFC First Bank, and I cannot avail offers for IDFC First Bank using my OneCard issued by IDFC First Bank as they have separate Bin Numbers.

How to find this out? I applied for OneCard yesterday and I am being issued by Federal bank. Hopefully I am one of those lucky ones