Table of Contents
- 1. Key Takeaways
- 2. Type 1: Application ID - Tracking Your New Card Application
- 3. Type 2: Transaction Reference Number - Tracking Payments
- 4. Type 3: Service Request / Ticket ID - Complaint and Service Tracking
- 5. How to Find Any Reference Number Using All BOBCARD Channels
- 6. WhatsApp Commands Cheat Sheet
- 7. Reference Numbers for Specific Situations: Quick Lookup
Key Takeaways
- BOBCARD uses three main types of reference numbers: Application ID (for tracking new card applications), Transaction Reference Number (for payments and specific transactions), and Service Request / Ticket ID (for complaints and service requests raised with customer care).
- Application ID is sent to your registered mobile number and email when you apply for a BOBCARD. Use it to track status at bobcard.co.in/get-in-touch/track-application using Application ID, PAN, or registered mobile number.
- Transaction Reference Number appears on your BOBCARD payment confirmation page, payment slip (pay.bobcard.co.in), and in your bank's NEFT/IMPS transaction receipt when you transfer funds toward your card bill.
- BOBCARD explicitly instructs cardholders to quote the transaction reference number in all future communications related to a payment.
- For card delivery tracking: the courier tracking number is sent to your registered mobile number once the card is dispatched. Track status directly on the courier or India Post website.
- Service Request / Ticket IDs are generated when you raise a complaint via the BOBCARD app, portal, customer care call, or email. Always note this ID - it is your proof of complaint and escalation anchor.
- All reference numbers can also be checked through the BOBCARD WhatsApp service at +91-7208476628 or via the BOBCARD mobile app.
Type 1: Application ID - Tracking Your New Card Application
When you apply for a BOBCARD credit card - whether online at bobcard.co.in, through a partner platform like Paisabazaar, or via a BOBCARD sales executive - a unique Application ID is generated for your application. This is your primary reference for tracking the application through to approval and dispatch.
Where to find your Application ID
- SMS to your registered mobile number: sent immediately after application submission. Format: "Your BOBCARD application has been received. Application ID: [XXXXXX]. Track status at bobcard.co.in."
- Email to your registered email address: the same Application ID is included in the confirmation email sent at the time of application.
- If you applied through a third-party aggregator (e.g. Paisabazaar, BankBazaar): the aggregator's own confirmation may contain the Application ID, or you may need to check your mobile for the SMS from BOBCARD directly.
How to track your application status
- Go to bobcard.co.in/get-in-touch/track-application
- You can search using any one of three identifiers: Application ID, PAN card number, or registered mobile number
- Enter the chosen identifier and submit - the system will display the current status of your application
Status stages you may see: Application Received → Under Review → Approved / Declined → Card Dispatched → Delivered. If your application shows "Under Review" for more than 7–10 business days, contact BOBCARD customer care at 1800 2090 or 1800 1210 with your Application ID for an update.
Card delivery tracking
Once your BOBCARD is approved and dispatched, a separate courier tracking number is sent to your registered mobile number via SMS. This is distinct from the Application ID - it is issued by the logistics partner (typically a private courier or India Post / Speed Post) and is used to track physical delivery.
To track delivery: visit the website of the courier mentioned in the dispatch SMS and enter the tracking number. BOBCARD dispatches cards via courier or Speed Post depending on your location and card type.
Type 2: Transaction Reference Number - Tracking Payments
Every payment made toward your BOBCARD - whether online via NEFT, IMPS, the BOBCARD portal, UPI, or any other channel - generates a unique transaction reference number. This is your proof of payment and the number BOBCARD asks you to quote if a payment does not reflect on your account.
Where to find your transaction reference number
| Payment Channel | Where Reference Number Appears |
|---|---|
| BOBCARD payment portal (pay.bobcard.co.in) | Displayed on the payment confirmation / success page immediately after the transaction. Also included in the payment slip that can be printed from the same page. |
| BOBCARD mobile app | Shown in the payment confirmation screen post-transaction. Also visible under transaction history in the app. |
| NEFT / IMPS from your bank | Your bank generates a UTR (Unique Transaction Reference) number for the NEFT/IMPS transfer. This appears in your bank's internet banking transaction history or in the confirmation SMS from your bank - not from BOBCARD. This is the number to quote if the payment does not reflect on your BOBCARD account. |
| UPI (via BBPS or UPI apps) | UPI Transaction ID is generated by the UPI app (Google Pay, PhonePe, CRED, etc.) and displayed in the payment confirmation screen. Save the screenshot. |
| Bill payment via BBPS (Bharat Bill Payment System) | BBPS Transaction ID is generated and displayed at payment confirmation. Also sent via SMS to your registered mobile number. |
| Cheque / cash deposit at branch | Branch acknowledgement slip contains a reference or receipt number. Keep this slip until the payment reflects on your BOBCARD statement. |
BOBCARD's own instruction on reference numbers
BOBCARD's payment confirmation page explicitly states: "Please quote the above mentioned transaction reference number in all future communications related to this payment." This is the number to provide to customer care if your payment has not been credited within the expected time - typically 2–3 business days for NEFT, same day for UPI payments.
How long for a payment to reflect on your BOBCARD account?
| Payment Method | Typical Reflection Time |
|---|---|
| BOBCARD payment portal (online) | Same day to next business day |
| UPI via BBPS | Same day to next business day |
| NEFT from any bank | 2–3 business days (NEFT settles in batches) |
| IMPS | Same day to next business day |
| Cheque / cash at branch | 3–5 business days after deposit date |
If a payment does not reflect within the expected window, note your transaction reference number (UTR for NEFT, UPI Transaction ID for UPI, or BOBCARD payment confirmation number) before contacting customer care. Without this, tracing the payment is significantly slower.
Type 3: Service Request / Ticket ID - Complaint and Service Tracking
Whenever you raise a service request with BOBCARD - whether about a disputed transaction, a missed reward point credit, a failed payment, an EMI conversion request, or any other query - a Ticket ID or Service Request number is generated. This is your tracking anchor for that specific issue.
Where to find your Ticket ID
- BOBCARD mobile app: under the "Raise a Query" or service request section, after submitting your query, the app displays a ticket reference number
- BOBCARD customer portal (portal.bobcard.co.in): service requests raised via the portal generate a ticket ID displayed on screen and emailed to your registered email
- Customer care call (1800 2090 or 1800 1210): the agent will give you a service request or complaint reference number at the end of the call. Always ask for this explicitly and note it down.
- Email to crm@bobcard.co.in: an auto-reply with a ticket reference number is sent to your email upon receipt
- WhatsApp at +91-7208476628: service interactions via WhatsApp may generate a reference for the specific session
Why your Ticket ID matters for escalation
BOBCARD's escalation process - including escalation to the Nodal Officer and, beyond that, to the RBI Banking Ombudsman - requires you to cite prior complaint reference numbers at each stage. If you escalate without a Ticket ID, BOBCARD's team must reconstruct the complaint history from your account details alone, which slows resolution.
Best practice: whenever you raise a complaint or service request with BOBCARD, note the Ticket ID along with the date and a one-line description of the issue. Keep this record until the issue is fully resolved and confirmed in writing.
How to Find Any Reference Number Using All BOBCARD Channels
| Channel | What You Can Find / Do | Access Details |
|---|---|---|
| BOBCARD Mobile App | Transaction history, payment confirmations, service request IDs, recent transactions via IVR-equivalent in-app | Download on Google Play or Apple App Store; log in with registered mobile number and MPIN |
| Customer Portal (portal.bobcard.co.in) | Full transaction history, statement download, bill payment confirmation, service request status | Login with username and password; available 24x7 |
| SMS Service (9223172141) | Last statement (STAT XXXX), last payment (PAYMENT XXXX), balance (BAL XXXX) | SMS from registered mobile only; replace XXXX with last 4 digits of card |
| IVR Helpline (1800 2090 / 1800 1210) | Last 3 transactions, balance enquiry, payment details | Toll-free; available 24x7; automated service |
| WhatsApp (+91-7208476628) | Balance (BAL XXXX), reward points (REWARD XXXX), last statement (STAT XXXX), last payment (PAYMENT XXXX) | Send "Hi" to initiate; then use keyword format |
| Application Tracker (bobcard.co.in/get-in-touch/track-application) | Application status using Application ID, PAN, or mobile number | No login required; public-facing page |
| BOBCARD Email (crm@bobcard.co.in) | Service request ticket number (via auto-reply); complaint escalation trail | Use only from registered email address for faster processing |
WhatsApp Commands Cheat Sheet
BOBCARD's WhatsApp service at +91-7208476628 is the fastest self-service channel for reference lookups without needing to log in or call. All commands follow the format: KEYWORD followed by the last 4 digits of your card (XXXX).
| SMS / WhatsApp Command | What It Returns |
|---|---|
| BAL XXXX | Current available balance and outstanding on your BOBCARD |
| REWARD XXXX | Current reward points balance on your card |
| STAT XXXX | Last statement summary including amount due and payment due date |
| PAYMENT XXXX | Details of your last bill payment including amount and date |
| BLOCK XXXX | Instantly blocks your card (also available via SMS to 9223172141) |
| DOM XXXX | Enables your card for domestic e-commerce transactions |
For SMS service, send to 9223172141 from your registered mobile number only. Normal SMS charges from your telecom operator apply. BOBCARD does not charge separately for this service.
Reference Numbers for Specific Situations: Quick Lookup
| Situation | Reference Number You Need | Where to Find It |
|---|---|---|
| Payment not reflecting on BOBCARD account | UTR number (NEFT/IMPS) or UPI Transaction ID or BOBCARD payment confirmation number | Your bank's NEFT receipt / UPI app confirmation / BOBCARD payment portal confirmation page |
| Application status check | Application ID or PAN or registered mobile number | SMS/email received at time of application; or use PAN / mobile as alternate |
| Card not delivered | Courier tracking number | SMS received when card was dispatched - check messages from the date BOBCARD confirmed dispatch |
| Dispute a transaction | Transaction date, merchant name, and amount from your BOBCARD statement; plus your Ticket ID once raised | BOBCARD statement via portal, app, or email statement; Ticket ID from the dispute request |
| EMI conversion status | Service Request ID from conversion request | BOBCARD portal under Service Request history; or the confirmation SMS/email from BOBCARD |
| Reward points not credited | Transaction reference and Service Request Ticket ID | Statement for transaction details; Ticket ID from the complaint raised with BOBCARD |
| Complaint escalation to Nodal Officer | Original Ticket ID of the first complaint | Your records; BOBCARD email auto-reply; or the Customer Portal service request history |
Frequently Asked Questions
Disclaimer
Contact details, reference number formats, and service channel availability are subject to change. Toll-free numbers 18002665100, 18002667100, and 18001031006 have been discontinued effective 15 June 2026. Use 1800 2090, 1800 1210, or 1800 103 1002 (Eterna) for all BOBCARD customer service needs. This article is for informational purposes only and does not constitute financial advice. All card features, fees, benefits, and terms are subject to change. Data sourced from bobcard.co.in and BOBCARD MITC Ver 19 (April 2026). BOBCARD card issuance is at BOBCARD Limited's sole discretion. Readers are advised to refer to the Most Important Terms and Conditions (MITC) available at bobcard.co.in before making any financial decision. BOBCARD Limited (formerly BOB Financial Solutions Limited) is a 100% subsidiary of Bank of Baroda and an RBI-regulated entity.
