Questions regarding Bank of Baroda CC Application.

[mangalorean]

Hello community,

I'm considering getting a BoB credit card (BOB Premier) specifically to take advantage of bank offers. I already have several credit cards with limits exceeding 5L. My questions are:

• Is the BoB LTF (Lifetime Free) offer still available? As BoB cards are not worth paid.
• Can I use my LPG connection bill as address proof, even though I live in a rented space without a formal agreement (owned by a friend)? My Aadhaar card still lists my hometown address, and I'm unsure if that's accepted for credit card applications.

Thank you for your help!

 

[helloworld]

- No LTF offer from BOB this month upto now. Except Bob Snapdeal nothing worth paid. SD is a very good card in BOB, works for online offers and almost equal to LTF (only 300rs. fee annually, compared to its rewards best value out card).
- Might work, check official support list.

 

[Nishan11]

When i applird for paid Eterna online few days back, other three cards Easy, Select & Premier shown as unconditional LTF without any JF/AF.

No Idea about second part of your question.

 

[WandereR]

When i applird for paid Eterna online few days back, other three cards Easy, Select & Premier shown as unconditional LTF without any JF/AF.

Before or After 1st April?

 

[Nishan11]

Before or After 1st April?

On 1st April evening.

My post on other thread on this :-

https://www.technofino.in/community...-cards-without-income-proof.20318/post-595134

 

[souvikr]

Hello community,

I'm considering getting a BoB credit card (BOB Premier) specifically to take advantage of bank offers. I already have several credit cards with limits exceeding 5L. My questions are:

• Is the BoB LTF (Lifetime Free) offer still available? As BoB cards are not worth paid.
• Can I use my LPG connection bill as address proof, even though I live in a rented space without a formal agreement (owned by a friend)? My Aadhaar card still lists my hometown address, and I'm unsure if that's accepted for credit card applications.

Thank you for your help!

Use your LPG bill to change aadhaar address online. It will be changed in 1 day. You can change it back to hometown address later.

 

[HIMANSHU76888]

they have certain months or days where they offer most of their cards ltf except eterna and bob snapdeal.
if you are getting bob rupay premier credit card ltf, it is totally worth it.
it has one domestic lounge access per quarter without any spend criteria and 4 international lounge access through loungekey and all the rupay offers.

 

[mangalorean]

- No LTF offer from BOB this month upto now. Except Bob Snapdeal nothing worth paid. SD is a very good card in BOB, works for online offers and almost equal to LTF (only 300rs. fee annually, compared to its rewards best value out card).
- Might work, check official support list.

I was planning to the Premier Rupay but I’ll look into SD Rupay as well. I want it only for Bank Specific offers.

 

[mangalorean]

When i applird for paid Eterna online few days back, other three cards Easy, Select & Premier shown as unconditional LTF without any JF/AF.

No Idea about second part of your question.

Yeah, there was an offer till March 31st. As I was busy with work related things, couldn't apply.

Use your LPG bill to change aadhaar address online. It will be changed in 1 day. You can change it back to hometown address later.

Thanks, I'll look into this.

they have certain months or days where they offer most of their cards ltf except eterna and bob snapdeal.
if you are getting bob rupay premier credit card ltf, it is totally worth it.
it has one domestic lounge access per quarter without any spend criteria and 4 international lounge access through loungekey and all the rupay offers.

Not really care about the Longe access as I already have other cards with lounge access.

 

[helloworld]

I was planning to the Premier Rupay but I’ll look into SD Rupay as well. I want it only for Bank Specific offers.

sd has higher reward rate compared to premier even for rupay spends. check once .. 250+GST card.

 

[mangalorean]

sd has higher reward rate compared to premier even for rupay spends. check once .. 250+GST card.

Ah! Will it be useful for Bob Bank Specific offers? I only want a BoB card for bank specific offers as I have other Rupay cards with decent rewards.

 

[helloworld]

Ah! Will it be useful for Bob Bank Specific offers? I only want a BoB card for bank specific offers as I have other Rupay cards with decent rewards.

unlike ICICI or Federal cards, other banks have no restriction w.r.t bank offers. SD works bank offers, UPI, online shopping, and less fee.

 

[mangalorean]

unlike ICICI or Federal cards, other banks have no restriction w.r.t bank offers. SD works bank offers, UPI, online shopping, and less fee.

Woah, today I learned. Thanks

 

[ghoshshubhabrata]

Can I use my LPG connection bill as address proof, even though I live in a rented space without a formal agreement (owned by a friend)? My Aadhaar card still lists my hometown address, and I'm unsure if that's accepted for credit card applications.
Thank you for your help!

They will not accept. I live in a rented place and had provided them with 10 address proofs including rent agreement, gas bill, fixed line bill, etc etc.

They did not accept and they asked me for my landlord's aadhar or electricity bill or any other document that proved my landord belongs to that address. I escalated to Nodal officer as well as principal nodal officer questioning that are you providing a credit card to me or to my landlord? But then nothing happened. Took it up with RBI Ombudsman, nothing happened.

 

[mangalorean]

They will not accept. I live in a rented place and had provided them with 10 address proofs including rent agreement, gas bill, fixed line bill, etc etc.

They did not accept and they asked me for my landlord's aadhar or electricity bill or any other document that proved my landord belongs to that address. I escalated to Nodal officer as well as principal nodal officer questioning that are you providing a credit card to me or to my landlord? But then nothing happened. Took it up with RBI Ombudsman, nothing happened.

Woah. I don’t even have that many address proofs. As others have mentioned, I’ll probably change the address of my Aadhar using Gas Connection and then change it back later to my original address.

 

[ghoshshubhabrata]

Woah. I don’t even have that many address proofs. As others have mentioned, I’ll probably change the address of my Aadhar using Gas Connection and then change it back later to my original address.

Yep, that's the best way..

Also just FYI BoB did physical verification for both home and office for me. They were such idiots that they tried to attempt both home and office verification on the same day within a timeframe of 1 hour. They expected me to be present both at my home and office at the same time. 🥲

 

[mangalorean]

Yep, that's the best way..

Also just FYI BoB did physical verification for both home and office for me. They were such idiots that they tried to attempt both home and office verification on the same day within a timeframe of 1 hour. They expected me to be present both at my home and office at the same time. 🥲

Ah, HDFC pulled something like this and then rejected my application few months ago. I don’t get it.

 

[ghoshshubhabrata]

Ah, HDFC pulled something like this and then rejected my application few months ago. I don’t get it.

Hey, did you apply? How long did the process take? My brother wants to apply for this card now so just wanted to check how long it took for you incase you have applied.

 

[mangalorean]

Hey, did you apply? How long did the process take? My brother wants to apply for this card now so just wanted to check how long it took for you incase you have applied.

They rejected my C2C application again after 3 days.

 

[brightknight]

Hey, did you apply? How long did the process take? My brother wants to apply for this card now so just wanted to check how long it took for you incase you have applied.

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