BoB Masterstroke Savings account | LTF VISA Opulence Debit card (Metal) | LTF Eterna Credit card (On any Network - RuPay, Visa, Mastercard)

[Ram1]

Two days ago, my Deputy Manager at BOB called and asked me to open a Master Stroke Account. I told her that I am unable to maintain a balance of Rs 10 lakhs every quarter. She assured me that the bank is currently not charging any maintenance fees. However, I am unsure if she is being truthful. I plan to open the account next week and give it a trial period of 6 months. If it does not meet my expectations, I will close the account.

I have two questions for you all:

1. Will the bank strictly deduct maintenance charges every quarter?
2. If I decide to close the account, will my associated cards, such as the Eterna account and Opulence debit card, be deactivated?

Also, my Deputy Manager mentioned that I would receive another Eterna card with this account. I informed her that I already have one, but she said I would receive another one from a Visa network. Is this possible?

1. Yes according to their terms and conditions, charges deduction will be strict and BM has no authority to reverse those(asked my bm)
2. Eterna will be there, but opulence will be gone

2nd eterna seems like a buff. I don't think that's possible. Ask in written if possible

 

[sauravkumar]

Two days ago, my Deputy Manager at BOB called and asked me to open a Master Stroke Account. I told her that I am unable to maintain a balance of Rs 10 lakhs every quarter. She assured me that the bank is currently not charging any maintenance fees. However, I am unsure if she is being truthful. I plan to open the account next week and give it a trial period of 6 months. If it does not meet my expectations, I will close the account.

I have two questions for you all:

1. Will the bank strictly deduct maintenance charges every quarter?
2. If I decide to close the account, will my associated cards, such as the Eterna account and Opulence debit card, be deactivated?

Also, my Deputy Manager mentioned that I would receive another Eterna card with this account. I informed her that I already have one, but she said I would receive another one from a Visa network. Is this possible?

Jetesh bhai Noida Wale Branch me jaoge kya??🤔🤔

Bhai agar aapki Deputy BM agar confident h regarding non-charges of maintenance fees... Then me open kar lunga...😁😁

But Bhai service thora acha chahiye woh sirf jaan pechaan si hi PSU banks me hoti h.... Last time gya tha service dekh kar wapas hi aa gya tha!!

Btana bhai final kya socha h aapne!!😁😁

 

[Anindya98]

I informed her that I already have one, but she said I would receive another one from a Visa network. Is this possible?

2nd Eterna seems like a bluff. As you already have Eterna why should they give you the same card twice, which doesn't make any sense.

 

[jetesh]

Jetesh bhai Noida Wale Branch me jaoge kya??🤔🤔

Bhai agar aapki Deputy BM agar confident h regarding non-charges of maintenance fees... Then me open kar lunga...😁😁

But Bhai service thora acha chahiye woh sirf jaan pechaan si hi PSU banks me hoti h.... Last time gya tha service dekh kar wapas hi aa gya tha!!

Btana bhai final kya socha h aapne!!😁😁

hahaha done 100%

 

[opbamldg]

Two days ago, my Deputy Manager at BOB called and asked me to open a Master Stroke Account. I told her that I am unable to maintain a balance of Rs 10 lakhs every quarter. She assured me that the bank is currently not charging any maintenance fees. However, I am unsure if she is being truthful. I plan to open the account next week and give it a trial period of 6 months. If it does not meet my expectations, I will close the account.

I have two questions for you all:

1. Will the bank strictly deduct maintenance charges every quarter?
2. If I decide to close the account, will my associated cards, such as the Eterna account and Opulence debit card, be deactivated?

Also, my Deputy Manager mentioned that I would receive another Eterna card with this account. I informed her that I already have one, but she said I would receive another one from a Visa network. Is this possible?

I reached my branch in last week of January to meet BM and discuss my Eterna application, she was in virtual meeting with Regional Manager but she allowed me in her office. BM are been given targets to increase CASA and they are very aspirational targets which are difficult to achieve. She has a target to achieve from above. All she wants some funds to show to their bosses. Most of the things she told you are a bluff.

 

[jetesh]

I reached my branch in last week of January to meet BM and discuss my Eterna application, she was in virtual meeting with Regional Manager but she allowed me in her office. BM are been given targets to increase CASA and they are very aspirational targets which are difficult to achieve. She has a target to achieve from above. All she wants some funds to show to their bosses. Most of the things she told you are a bluff.

Your branch and city ??

 

[kvndsz512]

Visa. I opted for it

why not go for rupay variant?

 

[kvndsz512]

Same, do 50k spends within 60days and get 10k points, thats only thing left to churn from eterna. It is very much devalued.
I'm thinking to convert into rupay variant

but is it for ltf version also?

 

[kvndsz512]

has anyone downgrade from masterstroke or closed acc and still holds eterna ltf?

 

[varkey]

wondering same thing, I will try same. let me know if you have any success?

Did you try this? I have an existing OD linked savings account, if I can get that account converted to Masterstroke, it would be great. Mainitainig the balance wouldn't be an issue in that case. 😀

 

[jetesh]

Did you try this? I have an existing OD linked savings account, if I can get that account converted to Masterstroke, it would be great. Mainitainig the balance wouldn't be an issue in that case. 😀

They will open a separate new account for Masterstroke.

 

[sravanbrahma]

Did you try this? I have an existing OD linked savings account, if I can get that account converted to Masterstroke, it would be great. Mainitainig the balance wouldn't be an issue in that case. 😀

I tried but they didnt agree. they said its not possible.

Although, looks like radiance is possible with OD linked savings account with 30L QAB. [Almost same benefit as masterstroke]

 

[varkey]

I tried but they didnt agree. they said its not possible.

Although, looks like radiance is possible with OD linked savings account with 30L QAB. [Almost same benefit as masterstroke]

I see, currently the account is tagged as Sparkle based on the QAB. I think is a lower segment than Radiance.

 

[jetesh]

I see, currently the account is tagged as Sparkle based on the QAB. I think is is a lower segment than Radiance.

Y E S

 

[Jackk]

Update
Dear , Congratulations! Your BOBCARD application XXXX has been approved, and your card will be dispatched shortly.

You opened Masterstroke and bank employee applied for Eterna? Any verification happened?

 

[opbamldg]

why not go for rupay variant?

I have to do online payments for my sister in foreign

 

[opbamldg]

You opened Masterstroke and bank employee applied for Eterna? Any verification happened?

Yes, I opened Masterstroke and BOBCARD employee applied for credit card, it was first declined, reopened on my complaint email and ombudsman pressure. Physical verification did happen. The person who came for verification had questions in his phone which were automatically coming and he had to answer the questions. I was not present at home and my cousin verified that I live in that house.

 

[jetesh]

Yes, I opened Masterstroke and BOBCARD employee applied for credit card, it was first declined, reopened on my complaint email and ombudsman pressure. Physical verification did happen. The person who came for verification had questions in his phone which were automatically coming and he had to answer the questions. I was not present at home and my cousin verified that I live in that house.

Is it true that MasterStroke Account Holders do not have their CIBIL checked? Has this been your experience as well?

 

[Jackk]

Is it true that MasterStroke Account Holders do not have their CIBIL checked? Has this been your experience as well?

Cibil is checked!

 

[opbamldg]

Is it true that MasterStroke Account Holders do not have their CIBIL checked? Has this been your experience as well?

CIBIL Score is checked.