BOB Card Approved without any verification
I applied the card on 15th OCT. Then last 12 days no response from BOB.
Today suddenly received dispatch SMS from BOB, speed post tracking number mentioned.
Interestingly BOB doesn't do any Video KYC or Physical KYC, No home Visit, not even got any single phone call from bob for the verification. they automatically dispatched, process is literally very smooth, definitely better than axis.
@abhishek012 @MrKool_JJ
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They had some entry in system, else impossible...
Btw, have savings account with BoB, what is the main benefit of SD card? Any CB or special tricks?
Also, any C2C statement upload option available in online application for this card?
Any online spend rewarded? Or only shopping category like flipkart etc? Education fees, utility bill payments for 2.5%?
No, only online shopping & Grocery.
other spend 1% cashback rewards.
Also 2.5% cashback rewards upto 500 per month (after that 1% cashback).
Rewards point credit to card statement next month.
Ever applied for/hold onecard?
You're suspecting BoB draws data from OneCard as they are banking partner and if issued, they simply pass without KYC?
Great, so this is an easy to get card. What about income proof? C2C statement upload available?
Card accepted in bank offers?
Only if this gave 2.5% in other MCCs except online shopping category... Mostly wanted for online education fees payment through eduqfix (categorized as "other" in onecard)
@bikidas2060 C2C through online application too? Option there?
Yes bhai. Option is there. You ll need to upload your cc statement along with front photo of your card. 🙂
Can holders of this card give examples of various transactions where they got 2.5% CB?
OK thanks @Dileep_kumar and @bikidas2060 .
Had applied for select card in May, was rejected (maybe due to docs not clear), didn't pursue further. Cool-off period is over. My other cards were recently upgraded/reissued, so that won't work now, right? They need minimum 6 months old card? Also, masking part of card number from front face is allowed?
@Dileep_kumar Then that spoils things as card issue month is printed on face and all cards got reissues a few months ago...
Also these days, on some cards front side has name and reverse the card number. So both sides needed and cvv needs to be masked?
Anyway, looks like I need to postpone till atleast 6 months of card issue date... @bikidas2060 @bohemian
1 year is needed bhai. And one more thing you can always show your itr income as well. 🙂🙂🙂 No issues in that part at all. My own sister, who is a govt servant, applied for Bob card and she had to share the salary slip. No office verification/ no doc verification was done. In case of self employment they do ask questions about signboard of the office etc over phone. Everything is manageable bhai.Â
They rejected mine Premier card, as mentioned @ satragha, share the answers so we get the idea for the approval.
@bikidas2060 I don't have any offline business, currently full time stock market investor. What needs to be put in details then? Organization: "SELF EMPLOYED" or "STOCK MARKET INVESTOR"Â ? Address same as home/permanent address?
I'll wait out till next FY for ITR or 1yr for cards to become aged.
Bhai, don't worry about address. Unlike Axis, Bob guys allow biz n residence to have same address.Â
Under biz just mention as you have already told us. 🙂 They ll ask things regarding your biz over call but that's that. 🙂