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

[Ram1]

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.

 

[imuntitled]

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

Hey, I have a few questions for you :-

1. I visited one of the branches in Gurgaon, and they asked for my Aadhaar, but since it didn’t have a Gurgaon address, they refused to open the account. Did you have the same address on your Aadhaar?

2. I already have a BOB HPCL CC with very low limit. How will the branch apply Eterna LTF CC if someone already has a BOB CC?

 

[helloworld]

Hey, I have a few questions for you :-

1. I visited one of the branches in Gurgaon, and they asked for my Aadhaar, but since it didn’t have a Gurgaon address, they refused to open the account. Did you have the same address on your Aadhaar?

A valid address proof necessary, need not be Aadhar but any supporting documents.

2. I already have a BOB HPCL CC with very low limit. How will the branch apply Eterna LTF CC if someone already has a BOB CC?

BOB can provide multiple cards under shared limit, no restriction.

 

[Rishabh]

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?

Folks who have opened this account with BoB, can you check about Family banking criteria if applicable for this account variant?

 

[Ram1]

Folks who have opened this account with BoB, can you check about Family banking criteria if applicable for this account variant?

Its not applicable to family i guess. Even for joint account holders they mentioned, benefits only applicable to primary holder. So how can they provide to family

 

[Rishabh]

Its not applicable to family i guess. Even for joint account holders they mentioned, benefits only applicable to primary holder. So how can they provide to family

Joint account & Family account is different since with Family account bank gets more customers & fund deposits. Joint account doesnt give any value to the bank since it remains a single account managed by 2 different persons. Axis promote for Burgundy Family a lot offering all benefits as primary to family as well, so I dont find any reason BOB can't offer the same for Masterstroke account.

 

[imuntitled]

BOB can provide multiple cards under shared limit, no restriction.

39k limit mei kaun sa Eterna milta hai 😂

 

[Ram1]

Joint account & Family account is different since with Family account bank gets more customers & fund deposits. Joint account doesnt give any value to the bank since it remains a single account managed by 2 different persons. Axis promote for Burgundy Family a lot offering all benefits as primary to family as well, so I dont find any reason BOB can't offer the same for Masterstroke account.

Its simple, Bob can't offer like axis burgundy, because burgundy doesn't have mab charges so they need family to keep more balance.
In case of BOB, it's strictly has mab charges so why it needs funds from family? Moreover if it shares benefits with family, bank loses dc fees, cc fees etc..

 

[helloworld]

39k limit mei kaun sa Eterna milta hai 😂

they'll increase 1L and provide to you.

 

[Ram1]

Ya ya .. I enquired about everything.

They told me Credit Card is different entity and it is taken care by them.

Then they told me that they can apply it with Account Opening Form. But it will be processed by BOB Financial and it will not come with Account Opening Kit which will contain Opulence DC.😀😀

But they assured me that it will be LTF. And moreover one senior person told me this is their best product till now and it's way better than Radiance (his words).😑😑

Also I asked regarding downgrade if account variant change.... He said don't take tension it won't be downgraded. And even if something (some change) is going to happen you will get sufficient time to take action.

If we decide to close account, any possibility to put condition to close that eterna credit card also?

 

[Ram1]

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

Any update ?

 

[helloworld]

If we decide to close account, any possibility to put condition to close that eterna credit card also?

some bank forms have that option, you have to specifically mention otherwise only savings will be closed.

 

[Ram1]

some bank forms have that option, you have to specifically mention otherwise only savings will be closed.

Its not about forms, system triggers credit card linked with account while account closure.
Happened with me at hdfc, bank employee showed his system where is asking to close credit card first before account closure. Because that credit card came through approval offer through account only.

May be like that, bob can put that restriction on masterstroke & eterna???

 

[helloworld]

Its not about forms, system triggers credit card linked with account while account closure.
Happened with me at hdfc, bank employee showed his system where is asking to close credit card first before account closure. Because that credit card came through approval offer through account only.

May be like that, bob can put that restriction on masterstroke & eterna???

no, hdfc bm clearly lied to you. you can keep the card, maybe fee related that lyf may gone but no need to mandatorily close the Credit Card.

you can keep it and pay the annual fee based on the offer you have.

100% sure with hdfc. No such option to mandatorily close credit card along with account.

I personally closed and open hdfc account two times by keeping credit card, I selected no each time.

Here also, you can keep eterna but have to pay annual fee, no need to close it along with account.

 

[Ram1]

no, hdfc bm clearly lied to you. you can keep the card, maybe fee related that lyf may gone but no need to mandatorily close the Credit Card.

you can keep it and pay the annual fee based on the offer you have.

100% sure with hdfc. No such option to mandatorily close credit card along with account.

I personally closed and open hdfc account two times by keeping credit card, I selected no each time.

Here also, you can keep eterna but have to pay annual fee, no need to close it along with account.

May be its changed now, my case was around 4 years back. He showed me the pop up in his system also.

 

[helloworld]

May be its changed now, my case was around 4 years back. He showed me the pop up in his system also.

mine 1st 5 years ago, and other 2 years ago.

nothing changed. 1st time 1 card, 2nd time 2 cards.

they have the option to disable, as said no bank that i aware has the mandatory restriction.

problem is that bm lied to you by hoping you keep account, or don't know much about it.

 

[helloworld]

mine 1st 5 years ago, and other 2 years ago.

nothing changed. 1st time 1 card, 2nd time 2 cards.

they have the option to disable, as said no bank that i aware has the mandatory restriction.

problem is that bm lied to you by hoping you keep account, or don't know much about it.

one thing is credit card is separate department in any bank, it belongs to loan section and rbi has separate rules for it to separate them savings account.

whatever benefits you received from your savings account to that credit card that acts as surrogate only, it doesn't bind them permanently and you can freely close whichever you want.

and it's been there since long time, IMO. you can apply without savings account, you can open without credit card, you can get pre-approved and close the account, you can get magnus with burgundy and close the account.

Its only benefits, fee changes (only if specifically mentioned), otherwise you're free to keep any account you want in any bank AFAIk.

 

[Ram1]

mine 1st 5 years ago, and other 2 years ago.

nothing changed. 1st time 1 card, 2nd time 2 cards.

they have the option to disable, as said no bank that i aware has the mandatory restriction.

problem is that bm lied to you by hoping you keep account, or don't know much about it.

Anyway that happened to my good only, i would have stuck with that 40k moneyback and lower cards. Now i got dcb, happy with it.
Anyhow tqs for enlightening me man, now I got confidence to open masterstroke account for eterna

 

[Ram1]

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.

Typically PSU bank!!!!!! Uffff
Went to branch today to open account today. BM told if I'm new customer, they could have opened in 10mins through tablet ,as I have have zero bal account already, they have to send physical form, so it takes 3 to 4 days for opening.
In last visit they gave one booklet to fill and today they gave new booklet as old one no longer supports.
Luckily BM ordered clerk to fill that new booklet. I signed and came back home.

I confirmed with BM that
1.if account downgrades/closes, Credit card will be converted to Paid one. It won't stay ltf forever.

 

[fradela]

Recently I opened BOB Salary Account in Branch. Very worst Banking Service.
Lot of issues. Have raised more than 10 complaint to resolve all these things.