Bob easy variant upgraded in premier

congratulations..

I had selected the BOB SELECT CC Variant and completed VKYC on Monday 27th June, they told me to wait till a week and tell me when should I expect any approval regarding SMS/email. I had shown the limit of 80k while applying

Is Select Variant good than Premier? @batmanBABA

shraaj wrote:

I had selected the BOB SELECT CC Variant and completed VKYC on Monday 27th June, they told me to wait till a week and tell me when should I expect any approval regarding SMS/email. I had shown the limit of 80k while applying

Is Select Variant good than Premier? "@batmanBABA":https://www.desidime.com/users/1...23

Its good for online transactions.... It gives 5x on online spends.... 

But in hierarchy premier is superior than select... Its just after eterna.... And select was available on mastercard before ban.... Now they give visa... Its not available on rupay platform.... 

batmanBABA wrote:

Its good for online transactions.... It gives 5x on online spends.... 

But in hierarchy premier is superior than select... Its just after eterna.... And select was available on mastercard before ban.... Now they give visa... Its not available on rupay platform.... 

Demondealer wrote:

i head only bob select and eterna are best cards and rest are shet

Only eterna is good… Rest are just for c2c applications…. Premier gives 5x on travels… Which means 2% returns.. That is why I upgraded to that… My most spends are in it… On select… I would have only got 5X. I. E only 1% as select gives 1 points per 100 on normal spends..Premier gives 2 points per 100… And also  only upto 1000 points per month…. In premier limit is 2000 points p. M

batmanBABA wrote:

Only eterna is good... Rest are just for c2c applications.... Premier gives 5x on travels... Which means 2% returns.. That is why I upgraded to that... My most spends are in it... On select... I would have only got 5X. I. E only 1% as select gives 1 points per 100 on normal spends..Premier gives 2 points per 100... And also  only upto 1000 points per month.... In premier limit is 2000 points p. M

In actual, premier give 0.5% only even on travel (2.5% is as per terms).

I and few others booked flights via cleartrip 20% offer. All of us got 0.5% cb only. When asked cc, they just said it's based on mcc and they can't do anything.

Knight11 wrote:

In actual, premier give 0.5% only even on travel (2.5% is as per terms).

I and few others booked flights via cleartrip 20% offer. All of us got 0.5% cb only. When asked cc, they just said it's based on mcc and they can't do anything.

If they wont give then you can complaint to rbi ombudsman.... Or either they should tell on which websites the 2% is applicable.... I will surely do it... After recent rbi rules... You are more empowered as a customer.. Dont leave them... 

batmanBABA wrote:

Only eterna is good... Rest are just for c2c applications.... Premier gives 5x on travels... Which means 2% returns.. That is why I upgraded to that... My most spends are in it... On select... I would have only got 5X. I. E only 1% as select gives 1 points per 100 on normal spends..Premier gives 2 points per 100... And also  only upto 1000 points per month.... In premier limit is 2000 points p. M

Demondealer wrote:
Premier 2 points per 100 on amazon also? Or only travelling?

• 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
• That means on amazon... U will get 0.4%
• Better to use junio card on amazon... 3% on load via upi plus 1% on online transactions.... This month 1% is not yet live.... 
• If u have apay card then best after recent removal of amazon from all affliate programs

batmanBABA wrote:

If they wont give then you can complaint to rbi ombudsman…. Or either they should tell on which websites the 2% is applicable…. I will surely do it… After recent rbi rules… You are more empowered as a customer.. Dont leave them… 

In their terms, it is written that only mcc code of …. ate eligible. So I don’t think even rbi ombudsman can do anything here.

batmanBABA wrote:

• 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
• That means on amazon… U will get 0.4%
• Better to use junio card on amazon… 3% on load via upi plus 1% on online transactions…. This month 1% is not yet live…. 
• If u have apay card then best after recent removal of amazon from all affliate programs

Why are u considering 0.2rs per point. It’s 0.25 per point. So 0.5% for normal category and 2.5% for accelerated.

Knight11 wrote:

In their terms, it is written that only mcc code of .... ate eligible. So I don't think even rbi ombudsman can do anything here.

Knight11 wrote:

Why are u considering 0.2rs per point. It’s 0.25 per point. So 0.5% for normal category and 2.5% for accelerated.

No…. Its now 0.2….it has been downgraded… Dont you know….??

batmanBABA wrote:
Then they should clearly mention the websites.... Is there any way to know mcc codes of websites...??

Nop, no way to know.

https://www.bobfinancial.com/premier-ca...sp

X

5X Rewards Terms & Condition

For crediting 5X Reward Points on eligible transactions, the Credit Card issuer (BOB Financial in this case) relies on the correct International/online flag or Merchant Category Code (MCC) identifier provided by the merchant acquirer (provider of the card acceptance service to the merchant). These flags/identifiers are as per rules laid out by the card networks (Visa, Mastercard, RuPay etc.). If the merchant acquirer does not send the flag/identifier or sends an incorrect flag/identifier, BOB Financial will not be able to identify such transactions as eligible transaction for 5X reward points benefit, resulting in awarding of only regular Reward Points (and not 5X) on such transactions.The sub categories and their respective MCCs for spend categories eligible for 5X Reward points include the following:

International - International transaction flag provided by Merchant AcquirerDining - 5812 and 5814Travel - 4722

The category of purchase will be decided on the basis of the Merchant Category Code (MCC) for the merchant establishment where the purchase is made. BOB Financial reserves the sole right to decide on whether a purchase meets the eligibility criteria as listed above.BOB Financial is not liable for any disputes that arise due to differences in merchant category code mapping maintained by acquiring banks. Cardholder is requested to validate Merchant Category Code (MCC) from the merchant before making swipe on his card. Only the above listed MCCs shall entitle the cardholder for Accelerated Reward Points on his card. .Posting of additional Reward points is an automated process and the same will reflect in the next monthly statement.

batmanBABA wrote:

No…. Its now 0.2….it has been downgraded… Dont you know….??

Since when? Didn’t get any mail regarding downgrade.

@prem4998 any info on downgrade?

Knight11 wrote:

Since when? Didn’t get any mail regarding downgrade.

@prem4998 any info on downgrade?

No. It’s still 0.25 for premier and select. Maybe for easy variant?

Knight11 wrote:

Since when? Didn’t get any mail regarding downgrade.

@prem4998 any info on downgrade?

Sorry it was only for easy variant

asli_shashikant wrote:

What is craze behind bob card?

BOB Card offers, LTF and RuPay Platform.

abhishek012 wrote:
BOB Card offers, LTF and RuPay Platform.

abhishek012 wrote:

BOB Card offers, LTF and RuPay Platform.

Even though ltf. What to do with bunch of ltf.

asli_shashikant wrote:

Even though ltf. What to do with bunch of ltf.

Use for BOB Card offer and RuPay credit card offers.

batmanBABA wrote:

Only eterna is good... Rest are just for c2c applications.... Premier gives 5x on travels... Which means 2% returns.. That is why I upgraded to that... My most spends are in it... On select... I would have only got 5X. I. E only 1% as select gives 1 points per 100 on normal spends..Premier gives 2 points per 100... And also  only upto 1000 points per month.... In premier limit is 2000 points p. M

indiansoul wrote:
@Knight11 Do we get 15 points on NPS transaction on Eterna (for online txn) ??

indiansoul wrote:
@Knight11 Do we get 15 points on NPS transaction on Eterna (for online txn) ??

No idea, it keeps changing. Check with someone who got it recently and used there. It may vary even with the gateway. Easiest way is to do a 100rs transaction and see.

Knight11 wrote:

No idea, it keeps changing. Check with someone who got it recently and used there. It may vary even with the gateway. Easiest way is to do a 100rs transaction and see.

ashish0193 wrote:
I am trying to do bob premier cc bill payment. Amazon is considering it as non-Indian card. Which all platform supports bob rupay credit card? @abhishek012 

ashish0193 wrote:
I am trying to do bob premier cc bill payment. Amazon is considering it as non-Indian card. Which all platform supports bob rupay credit card? @abhishek012 

• We only accept Rupay credit cards issues by HDFC, IDBI, PNB, and PMC bank.

They have removed bob from 30th june... I paid my easy rupay bill in april... Was trying in july... Card was not adding... So contacted customer care.. Got the above reply...