Is there a way to apply for BOB credit cards without Income Proof?

[VibhavBilgoji]

Is there a way to apply for BOB credit cards without Income Proof?
I want to apply for Snapdeal Credit card, mainly because of its 2.5% cashback on groceries and departmental stores. But during the application it asks for Income documents. i dont have to RN, i am too lazy to get them. is there a way i can apply for this card without income documents?

 

[leonneel]

Just put a higher income next time you apply a cc. You are not going to share income docs anyways. This way you won't get rejection based on high credit limit in cinil.

Well I did however put 30k monthly salary in those cc application which is kinda low. Okay will put much higher income next time. Hopefully won't get raided by income tax for not filing IT yet put high income in cc application 😂🤣🤣

 

[leonneel]

I applied for BOB Eterna, but the bank offered me a BOB Premier Credit Card.

I'm good even if they give premier.

 

[jetesh]

I'm good even if they give premier.

What is the main difference between Eterna and Premier credit card ???

For me lounge access doesn't matter.

 

[jetesh]

Same story in Yes Bank. I applied for Reserv and the bank offered me an Elite credit card.

 

[Rahul Gupta]

Well I did however put 30k monthly salary in those cc application which is kinda low. Okay will put much higher income next time. Hopefully won't get raided by income tax for not filing IT yet put high income in cc application 😂🤣🤣

You can put any amount you want. You won't get in any legal trouble.

 

[brightknight]

OK. Will try my luck tomorrow.

so one should proceed with application & later on LTF will be notified?

 

[Deepak_Shetty]

so one should proceed with application & later on LTF will be notified?

Yes, as per my experience.

 

[Nishan11]

Got Eterna delivered around 7th April 2024.
Today got offer for additional LTF Snapdeal Rupay card. Took it & card generated.

It's lightening fast additional card offer ever for me 😂

@SSV @Deepak_Shetty @NShah @Venky

 

[NShah]

Got Eterna delivered around 7th April 2024.
Today got offer for additional LTF Snapdeal Rupay card. Took it & card generated.

It's lightening fast additional card offer ever for me 😂

@SSV @Deepak_Shetty @NShah @Venky

Government bank government employee pe merbaan hai
Mera 4 April se pending hai

 

[Nishan11]

Government bank government employee pe merbaan hai
Mera 4 April se pending hai

I hope you get in soon. BOB is highly unpredictable.

 

[jack333]

Got Eterna delivered around 7th April 2024.
Today got offer for additional LTF Snapdeal Rupay card. Took it & card generated.

It's lightening fast additional card offer ever for me 😂

@SSV @Deepak_Shetty @NShah @Venky

Time to close my bob easy rupay 🤣

 

[SplendorSuperman]

I hope you get in soon. BOB is highly unpredictable.

My application is going in cycle of pending and in process.
Received this after resubmitting Aadhar and DL today.

 

[bigbyte]

Government bank government employee pe merbaan hai
Mera 4 April se pending hai

Aisa kuch bhi nahin hai.
BoB cards Ch*** hai.

 

[Deepak_Shetty]

I

Got Eterna delivered around 7th April 2024.
Today got offer for additional LTF Snapdeal Rupay card. Took it & card generated.

It's lightening fast additional card offer ever for me 😂

@SSV @Deepak_Shetty @NShah @Venky

I am not getting option to get physical card with one time charge 100 Rs+GST as mentioned by @zaid_2913. Have you seen such option in your app?
Edit : Got option to convert it into physical card

 

[Nishan11]

I

I am not getting option to get physical card with one time charge 100 Rs+GST as mentioned by @zaid_2913 . Have you seen such option in your app?
Edit : Got option to convert it into physical card

I got the option too. But don't want physical card as I will not use this rupay card on POS. Only upi or online transactions. For POS I have eterna from BOB for bank offer.

 

[Deepak_Shetty]

I got the option too. But don't want physical card as I will not use this rupay card on POS. Only upi or online transactions. For POS I have eterna from BOB for bank offer.

Yeah. Physical card will be useful only for departmental/Grocery store/Supermarket for 2.5 % cash back. I was using ACE for offline transaction but now I started to use pine perks rupay card for offline transactions.

 

[MONEY]

Got Eterna delivered around 7th April 2024.
Today got offer for additional LTF Snapdeal Rupay card. Took it & card generated.

It's lightening fast additional card offer ever for me 😂

@SSV @Deepak_Shetty @NShah @Venky

Limit ? Physical verification happened?

 

[Nishan11]

Limit ? Physical verification happened?

3 L limit for eterna. Snapdeal rupay share same limit.

Yes verification happened for both home & office.

You can read my application journey here

https://www.technofino.in/community...-cards-without-income-proof.20318/post-595134

 

[NShah]

3 L limit for eterna. Snapdeal rupay share same limit.

Yes verification happened for both home & office.

You can read my application journey here

https://www.technofino.in/community...-cards-without-income-proof.20318/post-595134

Received verification call today from BOB credit card. What is the next process? Physical verification??

@Deepak_Shetty

 

[Deepak_Shetty]

Received verification call today from BOB credit card. What is the next process? Physical verification??

@Deepak_Shetty

I didn't receive any verification call. Hope your physical address verification will be scheduled in couple of days.