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BoB Masterstroke Savings account | LTF VISA Opulence Debit card (Metal) | LTF VISA Eterna Credit card

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anonymuos said:
Anyone who had a basic BOB Card like BOB Select or Snapdeal or BOB Energie with a low limit like ₹25K which BOB notoriously gives 😆 even for people I've seen having 13L on HDFC CCs, please let us know what happens if we open Masterstroke account and then we get Eterna. Is the limit raised just for issuing Eterna or do they give Eterna on that shared ₹25K limit? 😆😆😆
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I think they can't do anything incase of already existing cc with other variant or low limit. Bob doesn't have close and reapply facility too.
Either existing paid Eterna or no cc works with masterstroke I guess
 
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sauravkumar said:
Unfortunately I live in Delhi.😔😔

Anyways thanks for suggesting this... Fellow TF members will definitely get benifit from this!!👍👍
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Open today bob masterstroke, gurgaon golf course road branch, hardly within 1 hours they open & also asked for bob eterna ltf & they said once you make fund deposit on behalf of this we will processed. (Already having bob account so they open new account without anyfunding but i need to fund to get eterna ltf
 
realrrishi said:
Open today bob masterstroke, gurgaon golf course road branch, hardly within 1 hours they open & also asked for bob eterna ltf & they said once you make fund deposit on behalf of this we will processed. (Already having bob account so they open new account without anyfunding but i need to fund to get eterna ltf
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Without income documents right? Gave instant account opening kit?
 
realrrishi said:
Yes without income document, they will add initial funding statement & master stroke status while applying eterna plus cibil must be good. No instant kit , they will sent you by email.
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They kept old account as it is and opened new account?
 
realrrishi said:
Open today bob masterstroke, gurgaon golf course road branch, hardly within 1 hours they open & also asked for bob eterna ltf & they said once you make fund deposit on behalf of this we will processed. (Already having bob account so they open new account without anyfunding but i need to fund to get eterna ltf
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I'm in the same boat,
Have zero balance jan dan account already.
Willing to open masterstroke for eterna ltf.
Finally some green light
 
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What if someone like me already has LTF Eterna? Can't BOB just give me this account with Zero MAB requirement basis existing Eterna card something like IndusInd offer for Exclusive account basis Pinnacle card 🙂

Only USP for me will be LTF Opulence Debit card but not sure how much it is worth to have the debit card after maintaining MAB for masterstroke.
Any experts your suggestions 🙂
 
Opulance card apart from airport transfer no use, eterna I don't think is some great card. Can open just for LTF sake nothing to be risked, hope so their closing charges and closing procedure is less tedious...
 
Rishabh said:
What if someone like me already has LTF Eterna? Can't BOB just give me this account with Zero MAB requirement basis existing Eterna card something like IndusInd offer for Exclusive account basis Pinnacle card 🙂

Only USP for me will be LTF Opulence Debit card but not sure how much it is worth to have the debit card after maintaining MAB for masterstroke.
Any experts your suggestions 🙂
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Nope . .
 
Nemesis said:
Opulance card apart from airport transfer no use, eterna I don't think is some great card. Can open just for LTF sake nothing to be risked, hope so their closing charges and closing procedure is less tedious...
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Eterna is good card if someone not able to get SBI Cashback card. It gives 3.75% cashback for majority of the ECom txns but with a cap of 1250rs per month.
 
Does Family Banking available for this account type? I think it can be beneficial if BOB allows account opening with all the benefits for family member same as Primary with Zero MAB requirement?
 
For those (sample example):

If we keep 10L MAB on both IDFC and BOB for a period of 1 year...

After 1 year, the cumulative amounts for both banks are as follows:
  1. Bank of Baroda (BOB): ₹10.27L
  2. IDFC Bank: ₹10.52L
Difference: 25K

Annual Fee (saving with this bank):
  • Visa Opulence Debit card = 11,210
  • BOB Eterna Credit card = 2,950
Total: 14K

Net Loss: 11K Every Year (Because you want Eterna LTF)

Point: Better to get paid cards rather conditional based LTF.
 
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Rishabh said:
Eterna is good card if someone not able to get SBI Cashback card. It gives 3.75% cashback for majority of the ECom txns but with a cap of 1250rs per month.
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For 5 % cashback go with HDFC Swiggy or Millenia. You will get them as a LTF.
For HDFC Swiggy will get 1500 for online + Swiggy 10 % cashback.

I don't think Eterna is good card.
 
helloworld said:
For those (sample example):

If we keep 10L MAB on both IDFC and BOB for a period of 1 year...

After 1 year, the cumulative amounts for both banks are as follows:
  1. Bank of Baroda (BOB): ₹10.27L
  2. IDFC Bank: ₹10.52L
Difference: 25K

Annual Fee (saving with this bank):
  • Visa Opulence Debit card = 11,210
  • BOB Eterna Credit card = 2,950
Total: 14K

Net Loss: 11K Every Year (Because you want Eterna LTF)
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Instead you invested on Low risk Mutual Funds, you will get minimum 12% return.
Within one year, you will get 1.26 lakhs. You will get 1 lakh when compare to BOB.
 
Rishabh said:
Eterna is good card if someone not able to get SBI Cashback card. It gives 3.75% cashback for majority of the ECom txns but with a cap of 1250rs per month.
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If you use predominately use this card, you will get your joining and annual fees.
 
customer care is very very worst.
I applied LTF Premier card. Still video kyc is not done.
The have sent so many links. All were throwing errors.
I don't know when they will fix it.
 
Came to branch now, talked to BM. He explained features of masterstroke.
He assured credit card application will be processed on next day without income docs.
 
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