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Worth to downgrade from BOB premier to snapdeal?

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Deal Cadet
pjain2712
Hello Dimers, I am currently using BOB Premier LTF Rupay credit card but the rewards are very less for other spends category (UPI) and I don't have much travel/international spends, instead I was thinking to opt for Snapdeal variant because it provides min. 1% cb on other spends (for UPI) and 2.5% on grocery/departmental (Dmart/Reliance) spends which provides better value for my spends.

As my BOB premier card is LTF, can I get BOB Snapdeal also LTF?
And BOB Snapdeal Rupay works for all BOB bank discounts on Amazon/Flipkart? Please advise.
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Finance Ninja Finance Ninja
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BOB Snapdeal RuPay CC - 2.5% cashback upto Rs500 per month is eligible for all merchants including wallet load, utility bill payment, gift card purchase from Amazon or any online shopping on Amazon/Flipkart etc.

One more thing, you will get 2.5% cashback till transaction upto Rs33,333 per month.

After 2.5% limit over, you will get flat unlimited 1% cashback.

BOB Snapdeal RuPay CC - charge Rs249+GST.

Here some trick - 

Payzapp wallet balance support for BOB CC bill payment, you can liad money through snapdeal card on payzapp wallet and repay your BOB CC bill and get 2.5% cashback.

you can also remove your card from payzapp and re-add again to repay your old BOB CC bill, multiple times.

Note - BOB currently blocking wallet spend for Snapdeal card and BOB Eterna card. Do multiple small transactions or higher amount of transaction and then try next transaction after few days, if your transaction declined.

UPI spend - 1% cashback.

Yes, Snapdeal card working on all BOB offers on Amazon/Flipkart.

You can also apply for additional snapdeal card with your premier card.

Helpful Helpful
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How 2.5% till 33,333 bro? Max 500 cashback for 2.5% na.. which equals to 20,000 na?


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Benevolent Benevolent
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They are not giving co branded cards as LTF. Just keep this and get snapdeal as additional card.

Even one month payzapp wallet load and credit card payment will give more than joining fee.

Deal Cadet Deal Cadet
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Thanks, any idea if there will be any hard enquiry on cibil and limit will be same as existing card?

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Deal Cadet Deal Cadet
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If I apply additional snapdeal card with premier, limit will be same? And will there be any hard enquiry on cibil? @abhishek012

Generous Generous
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Bob snapdeal is one of the best if not the best card offered by bob

Benevolent Benevolent
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is there any referral benefit in bob cards, I am planning to get it.

Helpful Helpful
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There is, but the person referred gets no benefit. The referrer gets 500 points.
Deal Cadet Deal Cadet
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Please mention UPI Capping upto rupees only (12,500/-) , Personally verified

Deal Subedar Deal Subedar
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Received below WhatsApp message from BOB :
-

As our privileged customer, we are offering you a pre-approved HPCL BoB Energie Credit Card as your 2nd #BankofBarodaCreditCard.

This card will share the credit limit of your BoB credit card ending xxxxx and requires no documentation to apply 🤩🤩🤩!

HPCL BoB Energie Credit Card is our Fuel Card with a host of exciting features & benefits*

💥 Up to 5% Savings on HPCL Fuel & LPG

💥 4 Complimentary Airport Lounge access per year

💥 2000 Bonus Reward Points on Card Activation

💥 Up to Rs. 200 Off per month on Paytm Movies Tickets

All this at a nominal joining & annual fee of ₹ 499 plus taxes only!

point_rightApplication is simple and completely digital:

Login to your Card Account from www.bobfinanci...om

Open ‘Requests’ tab & click ‘Get additional Card’

Confirm Delivery Address

Verify with OTP & submit

& that’s all; On successful application, you will be notified on your registered email id & mobile no.

Hurry! Don’t miss out on huge additional fuel savings & benefits with this of

Deal Cadet Deal Cadet
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How long you have been using your current BOB card?
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