BOB Select Visa Card Reward Rates?

I think some technical issue, zomato txn wrongly considered as wallet maybe(the one used in paytm wallet add money by cc loophole).

guest_999 wrote:

I think some technical issue, zomato txn wrongly considered as wallet maybe(the one used in paytm wallet add money by cc loophole).

But, I have done Genuine Transactions directly on Zomato , I didn't use Zomato with Paytm or Vice Versa!

There, Customer Support is "Illiterate People" who cant even read My Proper E-mail!

shraaj wrote:
But, I have done Genuine Transactions directly on Zomato , I didn't use Zomato with Paytm or Vice Versa!

There, Customer Support is "Illiterate People" who cant even read My Proper E-mail!

Next Time In Mail Type This In Subject Line...

" Dear Good Soul Executive Read Full Email Content Before Reply " 

UnderNation wrote:
Next Time In Mail Type This In Subject Line...

" Dear Good Soul Executive Read Full Email Content Before Reply " 

"They sent me the Reward Rate table for my credit card, but I was confused about their response. Companies should invest in more tech engineers to build AI and ML systems for customer support that can provide comprehensive responses to customer inquiries. If they don't have an answer, they should apologize and inform the customer rather than providing incomplete information."

UnderNation wrote:
Next Time In Mail Type This In Subject Line...

" Dear Good Soul Executive Read Full Email Content Before Reply " 

"I recently contacted Axis Bank regarding the rejection reason of Axis Airtel Credit Card. In my email, I referenced RBI guidelines which state that internal policy cannot be used as a reason for rejection. Instead, reasons such as pincode, income, CIBIL score, or other specific factors should be mentioned. However, I received a response from Axis Bank stating that my application was rejected due to their internal policy. This response indicates a lack of adherence to regulatory guidelines and suggests that the bank may not be employing the best practices for communicating with their customers."

shraaj wrote:
"I recently contacted Axis Bank regarding the rejection reason of Axis Airtel Credit Card. In my email, I referenced RBI guidelines which state that internal policy cannot be used as a reason for rejection. Instead, reasons such as pincode, income, CIBIL score, or other specific factors should be mentioned. However, I received a response from Axis Bank stating that my application was rejected due to their internal policy. This response indicates a lack of adherence to regulatory guidelines and suggests that the bank may not be employing the best practices for communicating with their customers."

No bank customer support give specific reason for credit card application rejection in one go especially axis & sbi. HDFC though started a new trend recently it seems by mentioning a paragraph of multiple factors(income, pincode, location, profession etc etc) followed by a line below which says something like "your application did not meet the above hence rejected".

shraaj wrote:

"They sent me the Reward Rate table for my credit card, but I was confused about their response. Companies should invest in more tech engineers to build AI and ML systems for customer support that can provide comprehensive responses to customer inquiries. If they don't have an answer, they should apologize and inform the customer rather than providing incomplete information."

Have U Checked These Reward Points MITC  Click Here , They Mentioned 5x Rewards Will Be Given If Merchant Sends Back Flags/Identifier Like MCC Codes Category (Ex ::  Sms Delivery Report) Then 5x Reward Points Else 1x Reward Point).

System Don't Care If U Paid Via OTP Or Physical Swipe... All It Needs Is If Merchant Send Back Payment Report With identifier That Listed In Their MCC Code.

Online:: Online transaction flag provided by Merchant Acquirer

Dining – 5812

First Time Seeing This Extra Conditions 🤦

UnderNation wrote:
Have U Checked These Reward Points MITC  Click Here , They Mentioned 5x Rewards Will Be Given If Merchant Sends Back Flags/Identifier Like MCC Codes Category (Ex ::  Sms Delivery Report) Then 5x Reward Points Else 1x Reward Point).

System Don't Care If U Paid Via OTP Or Physical Swipe... All It Needs Is If Merchant Send Back Payment Report With identifier That Listed In Their MCC Code.

Online:: Online transaction flag provided by Merchant Acquirer

Dining – 5812

First Time Seeing This Extra Conditions 🤦

So,who are the Culprits here? Zomato,Visa or Bank?

There is some limit on 5x points on hitting that 1x points are processed

MisterTea wrote:

There is some limit on 5x points on hitting that 1x points are processed

I have earned less than 100 points in the statement

shraaj wrote:

So,who are the Culprits here? Zomato,Visa or Bank?

Escalate Ur Email To Next Level Officer, They Will Fix The Problem And Reprogram It, U May Bring Hapiness To All Bob Users

If U Got The Problem , Then Everyone Gets The Problem So Searched Google For Complaints. Google Showed Only One Complaint, Shraaj On Technofino 😉

UnderNation wrote:

Escalate Ur Email To Next Level Officer, They Will Fix The Problem And Reprogram It, U May Bring Hapiness To All Bob Users

If U Got The Problem , Then Everyone Gets The Problem So Searched Google For Complaints. Google Showed Only One Complaint, Shraaj On Technofino 😉

Filed a Complaint by Email,PGPORTAL and RBI Ombudsman.

Kahi se to kuch reply aaye?

Otherwise this card is of No use for me!

I already have Amazon,Axis Flipkart and HDFC Millenia these cards give 1-1.5% Cashback on any other transaction.

No Wonder,WHY BOB is Pathetic!.

Even,they reduced there Reward Rate from 0.25₹ to 0.20₹. (Effect of LTF CREDIT CARD TO MASS PEOPLE)

shraaj wrote:
Filed a Complaint by Email,PGPORTAL and RBI Ombudsman.

Kahi se to kuch reply aaye?

Otherwise this card is of No use for me!

I already have Amazon,Axis Flipkart and HDFC Millenia these cards give 1-1.5% Cashback on any other transaction.

No Wonder,WHY BOB is Pathetic!.

Even,they reduced there Reward Rate from 0.25₹ to 0.20₹. (Effect of LTF CREDIT CARD TO MASS PEOPLE)

So why did you use BoB card in the first place for zomato txn as you could get 1.5% on fk axis card anyway which is still more than B0B 1% on 5x.

guest_999 wrote:
So why did you use BoB card in the first place for zomato txn as you could get 1.5% on fk axis card anyway which is still more than B0B 1% on 5x.

Just to use the BOB Card! 
Because even after holding it for 7 months, I still had no clue why it is beneficial for me?

Anyways, My Primary Cards is Axis Flipkart!

From Now on, I Will not be using BOB Card and also I have SBI Simplyclick and SBI Max Card Which is of no use to me , thinking to close it in 11 months

Worst card is yes bank then bob now fk axis too.. utility payments are excluded