BOB credit card approval time

Between 3 weeks to 6 week

Currently with application load they have.... Anything below two months will be a miracle 

I applied and completed KYC on the 3rd, it got approved today. 

Is there any way to view the card details online like SBI? 

ThatCardGuy wrote:

I applied and completed KYC on the 3rd, it got approved today. 

Is there any way to view the card details online like SBI? 

Wow bhai, congrats, are you BOB customer? Kaise apply kiya tha bro, ITR or C2C?

Deleted-Account-1321323 wrote:
Wow bhai, congrats, are you BOB customer? Kaise apply kiya tha bro, ITR or C2C?

I applied on the website, uploaded the documents, and completed the KYC. 

The next day one guy came to my house and one guy went to my office to verify, after that today I got a message saying it was approved. 

I am not a BOB customer, I just applied for the card since the LTF offer was going on. 

They took more than a quarter in my case to issue BoB RuPay Premier.

And, for the first time in my life, someone has done so thorough investigation of residence and personal details. The person who came for physical verification, literally took photos of me, my house and asked information in depth which I really didn't even want to answer. For a credit card with credit limit of mere Rs. 75,000 ... they did CBI level investigation and I felt like breach of privacy. 😬

sahil1033 wrote:

They took more than a quarter in my case to issue BoB RuPay Premier.

And, for the first time in my life, someone has done so thorough investigation of residence and personal details. The person who came for physical verification, literally took photos of me, my house and asked information in depth which I really didn't even want to answer. For a credit card with credit limit of mere Rs. 75,000 ... they did CBI level investigation and I felt like breach of privacy. 😬

wow man, you had to go through a lot of things. You had no option for Vkyc?

rockingneo wrote:
Between 3 weeks to 6 week

What's the income criteria for Premier, Select and Swawlamban ccs and which one is the best out of these?
@batmanbaba

MrKool_JJ wrote:
What's the income criteria for Premier, Select and Swawlamban ccs and which one is the best out of these?
@batmanbaba

Select is best overall... If u want rupay one.. Then go for premier....

batmanBABA wrote:
Select is best overall... If u want rupay one.. Then go for premier....

I thought these are powered by Visa itself...
But Premier had lounge access and select doesn't so was confused...
What about the income criteria?

MrKool_JJ wrote:
I thought these are powered by Visa itself...
But Premier had lounge access and select doesn't so was confused...
What about the income criteria?

As bob pleases.... About income... And u can get lounge from even debit cards... So exclude that

batmanBABA wrote:
As bob pleases.... About income... And u can get lounge from even debit cards... So exclude that

I don't have much debit cards so was keen on this one...
Salary slips will work right?
Any special income bracket which they ask?
PS - I don't have any relationship with BoB.

MrKool_JJ wrote:
I don't have much debit cards so was keen on this one...
Salary slips will work right?
Any special income bracket which they ask?
PS - I don't have any relationship with BoB.

I would suggest to give cc statement.... And ur bank statement in which u have done good transactions.... For better limit.... People with salary slip and itr have got pathetic limits..

And no relationship required... U can take premier... But u wont be getting any 10x rewards on travel and dining as it only supports 1 or 2 mcc.... It will just sit in drawer for lounge access...

batmanBABA wrote:
I would suggest to give cc statement.... And ur bank statement in which u have done good transactions.... For better limit.... People with salary slip and itr have got pathetic limits..

And no relationship required... U can take premier... But u wont be getting any 10x rewards on travel and dining as it only supports 1 or 2 mcc.... It will just sit in drawer for lounge access...

So select gives 10x RP and Premier gives 5x RP right?
1 re=0.25 on both cards too...
Confused between Premier and Select now

MrKool_JJ wrote:
So select gives 10x RP and Premier gives 5x RP right?
1 re=0.25 on both cards too...
Confused between Premier and Select now

Both gives 5x only on certain categories.... But select gives 5x on all online transactions ..no mcc lafda here... upto 1000 points per month.... Normal rewards rate for select is 1 point per 100..so 5x points which is 1.25%...here even wallet load and rent payment counts..

Premier gives 5x on travel, dining and international spends... Which no one is getting

Its normal rewards rate is 2 points per 100....so for other transactions u only get 0.5%....

MrKool_JJ wrote:
I thought these are powered by Visa itself...
But Premier had lounge access and select doesn't so was confused...
What about the income criteria?

Select is Visa card, already most people have visa credit card.

You can try BOB Snapdeal RuPay Credit Card too, all cashback will credit to your credit card statement.

Snapdeal Launch BOB RuPay Credit card | Offers & Details - https://www.desidime.com/discussions/snapdeal-l...

5% Unlimited Cashback (20 Reward Points per Rs 100 spend) for your purchases on Snapdeal website & app only.

10 Reward Points for every Rs 100 spent on Online Shopping, Grocery & Departmental Stores and 4 Reward Points for every 100 spent on other categories

Reward Points of 10 RP per ₹100 is capped at maximum 2000 Reward Points per statement.
Reward Points earned will be auto-credited as a cashback to the next month’s statement.

Also Snapdeal vouchers worth up to Rs500 on card usage within 30 days of issuance.

@batmanBABA Hi, could you also help me to find out the value I will get on international payments. I see this(below) however Premier not mention anything about online payments. It seems like i applied for wrong card as i mainly do international transactions like paying in USD, EUR. Thanks.

Premier: 5X i.e. 10 Reward Points for every Rs. 100 spent on Travel, Dining and Abroad (International spends)

2 Reward Points for every Rs. 100 spent on other categories

Select: 5X i.e. 5 Reward Points for every Rs. 100 spent on Dining, Utility bills, Online spends

1 Reward Point for every Rs. 100 spent on other categories

batmanBABA wrote:
Both gives 5x only on certain categories.... But select gives 5x on all online transactions ..no mcc lafda here... upto 1000 points per month.... Normal rewards rate for select is 1 point per 100..so 5x points which is 1.25%...here even wallet load and rent payment counts..

Premier gives 5x on travel, dining and international spends... Which no one is getting

Its normal rewards rate is 2 points per 100....so for other transactions u only get 0.5%....

Ransome wrote:

Unfortunately, not all online transactions give 5x reward points for Select card. MCC issue. 

But u will get somewhere.... I have tried 10-15 renowned websites on premier... Got nothing

abhishek012 wrote:

Select is Visa card, already most people have visa credit card.

You can try BOB Snapdeal RuPay Credit Card too, all cashback will credit to your credit card statement.

Snapdeal Launch BOB RuPay Credit card | Offers & Details - https://www.desidime.com/discussions/snapdeal-l...

5% Unlimited Cashback (20 Reward Points per Rs 100 spend) for your purchases on Snapdeal website & app only.

10 Reward Points for every Rs 100 spent on Online Shopping, Grocery & Departmental Stores and 4 Reward Points for every 100 spent on other categories

Reward Points of 10 RP per ₹100 is capped at maximum 2000 Reward Points per statement.
Reward Points earned will be auto-credited as a cashback to the next month’s statement.

Also Snapdeal vouchers worth up to Rs500 on card usage within 30 days of issuance.

Aur confuse krdala ab ye wala card ka naam leke

Deleted-Account-1321323 wrote:

@batmanBABA Hi, could you also help me to find out the value I will get on international payments. I see this(below) however Premier not mention anything about online payments. It seems like i applied for wrong card as i mainly do international transactions like paying in USD, EUR. Thanks.

Premier: 5X i.e. 10 Reward Points for every Rs. 100 spent on Travel, Dining and Abroad (International spends)

2 Reward Points for every Rs. 100 spent on other categories

Select: 5X i.e. 5 Reward Points for every Rs. 100 spent on Dining, Utility bills, Online spends

1 Reward Point for every Rs. 100 spent on other categories

U will get 2.5 % on international spends on premier... And guess markup charges are around 3.5% plus gst

MrKool_JJ wrote:
Aur confuse krdala ab ye wala card ka naam leke

BOB Select Visa vs BOB Snapdeal RuPay Credit Card -
--------------------------------------------------------------------------------------------

1) BOB Select Visa Credit card - (1.25% Rewards point) 5X i.e. 5 Reward Points for every Rs. 100 spent on Dining, Utility bills, Online spends.

Please note that 5X Rewards are capped at 1,000 Reward Points on the mentioned categories per month. Further spends in that month on these categories will earn Reward Points at the regular earn rate.

Regular earn rate - (0.25% Reward Point) 1 Reward Point for every Rs. 100 spent on other categories

1 Reward Point = 0.25 Paise.

Note -  @Ransome said, "Unfortunately, not all online transactions give 5x reward points for Select card. MCC issue prevails."

---------------------------------------------------------------------------------------------

2) BOB Snapdeal RuPay Credit Card - 5% Unlimited Cashback (20 Reward Points per Rs 100 spend) for your purchases on Snapdeal website & app only.

(2.5% Cashback) 10 Reward Points for every Rs 100 spent on Online Shopping, Grocery & Departmental Stores and 

(1% Cashback) 4 Reward Points for every 100 spent on other categories.

Reward Points of 10 RP per ₹100 is capped at maximum 2000 Reward Points per statement. Reward Points earned will be auto-credited as a cashback to the next month’s statement.

Also Snapdeal vouchers worth up to Rs500 on card usage within 30 days of issuance.

1 Reward Point = 0.25 Paise.

Note - Ab yaha pe 10 Reward Point sirf Online shopping pe milega but i guess Amazon gift voucher buy pe bhi Online Shopping he shayad count ho and you can recharge/billpay and use other merchant via Amazon gift voucher (100% confirm nahi hai abhi).

abhishek012 wrote:

BOB Select Visa vs BOB Snapdeal RuPay Credit Card -
--------------------------------------------------------------------------------------------

1) BOB Select Visa Credit card - (1.25% Rewards point) 5X i.e. 5 Reward Points for every Rs. 100 spent on Dining, Utility bills, Online spends.

Please note that 5X Rewards are capped at 1,000 Reward Points on the mentioned categories per month. Further spends in that month on these categories will earn Reward Points at the regular earn rate.

Regular earn rate - (0.25% Reward Point) 1 Reward Point for every Rs. 100 spent on other categories

1 Reward Point = 0.25 Paise.

Note -  @Ransome said, "Unfortunately, not all online transactions give 5x reward points for Select card. MCC issue prevails."

---------------------------------------------------------------------------------------------

2) BOB Snapdeal RuPay Credit Card - 5% Unlimited Cashback (20 Reward Points per Rs 100 spend) for your purchases on Snapdeal website & app only.

(2.5% Cashback) 10 Reward Points for every Rs 100 spent on Online Shopping, Grocery & Departmental Stores and 

(1% Cashback) 4 Reward Points for every 100 spent on other categories.

Reward Points of 10 RP per ₹100 is capped at maximum 2000 Reward Points per statement. Reward Points earned will be auto-credited as a cashback to the next month’s statement.

Also Snapdeal vouchers worth up to Rs500 on card usage within 30 days of issuance.

1 Reward Point = 0.25 Paise.

Note - Ab yaha pe 10 Reward Point sirf Online shopping pe milega but i guess Amazon gift voucher buy pe bhi Online Shopping he shayad count ho and you can recharge/billpay and use other merchant via Amazon gift voucher (100% confirm nahi hai abhi).

Charges for Snapdeal card is Rs.249

nischaycool wrote:
Charges for Snapdeal card is Rs.249

Yes but we get Rs500 worth Snapdeal gv on card usage within 30 days of issuance.

Ab Snapdeal pe kuch na kuch toh hoga Rs500 ka jo kam ka ho. 😬

What about eterna?

sahil1033 wrote:

They took more than a quarter in my case to issue BoB RuPay Premier.

And, for the first time in my life, someone has done so thorough investigation of residence and personal details. The person who came for physical verification, literally took photos of me, my house and asked information in depth which I really didn't even want to answer. For a credit card with credit limit of mere Rs. 75,000 ... they did CBI level investigation and I felt like breach of privacy. 😬

yeah man same , two different people at office and home , the guy who came home taking random photos and asking how many people in family and what not , weird process

somebodythatusedtobeondd wrote:
yeah man same , two different people at office and home , the guy who came home taking random photos and asking how many people in family and what not , weird process

I am afraid now, i have done VKYC, yet the application process show vkyc pending. will they also come for physical kyc?

Applied a month ago verification guy called me a few days ago.. I told him I don't want him.. Today. Got approval msg n will b dispatched soon lol.. Very late

YoYoDesiBeat wrote:

Applied a month ago verification guy called me a few days ago.. I told him I don't want him.. Today. Got approval msg n will b dispatched soon lol.. Very late

Bhai VKYC option nahi tha kya? Select card?