Will not activating BoB credit card result in it's closure?

[steiner03]

I applied and got BoB Select credit card but the limit i got in it is very less. I wanted to keep it for bank offers but I doubt i can utilise those offers with a limit of 25k.
I don't want this card and would like to apply again, maybe for premier card after a couple of months via C2C.
I have received the Select card but I have not activated it.
So for closing this card, do i have to raise any closure request or just not activating the card would do?

 

[steiner03]

already your cibil is hit, keep the card.
use for a few transactions.
within 3 months u will get an offer for additional card - snapdeal bob rupay variant

Would that be LTF?

 

[pprakash11]

Would that be LTF?

No. BOB Snapdeal is not offered LTF.
250+GST is the fee.

 

[girish]

Would that be LTF?

but it's worth it

u get 500 rs voucher on activation, so basically first two years u are only paying gst of 49 rs

2.5 percent returns that too next month statement credit, no hassle

 

[steiner03]

but it's worth it

u get 500 rs voucher on activation, so basically first two years u are only paying gst of 49 rs

2.5 percent returns that too next month statement credit, no hassle

2.5% on all transactions?

 

[girish]

2.5% on all transactions?

online

 

[girish]

2.5% on all transactions?

online
grocery
departmental stores

 

[steiner03]

online
grocery
departmental stores

Didn't BoB recently devalued their point value to Rs 0.20/-?

And i already have Axis Ace which gives 2% for all transactions.

 

[girish]

Didn't BoB recently devalued their point value to Rs 0.20/-?

And i already have Axis Ace which gives 2% for all transactions.

the devaluation did not include bob snapdeal
it still gives 2.5 percent
however there is cap of 500rs per month which equals to spends of 20000 per month

 

[Shrinit Padwal]

Yes. Only Premier and Easy have Rupay Variant.

Yes, you should accept the card & activate it, imo.
It's LTF anyway, use or don't.

For UPI, get a Tata Neu+ or ♾️ !!

Bob cards are conditional ltf right? Like spend 50k and annual fee is waived ? Or unconditional LTF?

 

[pprakash11]

Bob cards are conditional ltf right? Like spend 50k and annual fee is waived ? Or unconditional LTF?

Unconditional LTF.

 

[Iamgora]

Bro. Even you apply with 5 Lack card, they don't match limit. They even give you 70-80k limit.
It's completely sarkari, they dont budge anything.

If you tell them to close your card, straight away they will close. No call no retention. This is What Bob does.

See attached conversation with a person on twitter.
And cancellation email of my sister's BOB cards🤣

I applied for the Premier card on a C2C basis with an Amazon ICI card with a 2.2L limit. I got the Premier card with a 1L limit.

 

[Iamgora]

That's why that area u serviceable is coming in TATA NEU application.
Even if your address is unserviceable, buy if your a/c is with HDFC, then you can get neu.

I have an account with HDFC, but from the Tata Nue app, my pincode is showing as unavailable. And I don't have any cards with HDFC.

 

[pprakash11]

I applied for the Premier card on a C2C basis with an Amazon ICI card with a 2.2L limit. I got the Premier card with a 1L limit.

Yeah, they never match

 

[pprakash11]

I have an account with HDFC, but from the Tata Nue app, my pincode is showing as unavailable. And I don't have any cards with HDFC.

May be this is the reason

 

[Iamgora]

May be this is the reason

Actually, on the HDFC site, I am getting offers for Tata Nue and Moneyback+, and I am not interested in any of these cards. I already hold nine cards, and for me, Millennia will not be a value card as I have SBI cashback, FK Axis, and Amazon ICI waiting for Regalia. I don't know when this wait will end.

 

[pprakash11]

Actually, on the HDFC site, I am getting offers for Tata Nue and Moneyback+, and I am not interested in any of these cards. I already hold nine cards, and for me, Millennia will not be a value card as I have SBI cashback, FK Axis, and Amazon ICI waiting for Regalia. I don't know when this wait will end.

Apply offline via agent c2c with any card limit of 3-4 lacs

 

[Iamgora]

Apply offline via agent c2c with any card limit of 3-4 lacs

My highest limit on any card is 2.2L. Waiting if i get any limit enachment on that card. Till then, will Tata Neu be a good card to avail the HDFC offers?

 

[pprakash11]

My highest limit on any card is 2.2L. Waiting if i get any limit enachment on that card. Till then, will Tata Neu be a good card to avail the HDFC offers?

Yes. Tata Neu will give you discount offers
And also if on Rupay platform you can use it on BHIM UPI

 

[Iamgora]

Yes. Tata Neu will give you discount offers
And also if on Rupay platform you can use it on BHIM UPI

Ok. Thank you

 

[saucy]

I applied and got BoB Select credit card but the limit i got in it is very less. I wanted to keep it for bank offers but I doubt i can utilise those offers with a limit of 25k.
I don't want this card and would like to apply again, maybe for premier card after a couple of months via C2C.
I have received the Select card but I have not activated it.
So for closing this card, do i have to raise any closure request or just not activating the card would do?

Summary:
As per RBI guidelines - any card that is not activated by the customer within 30 days is closed by the bank.