Regarding BoB radiance requirement

[vijay.vj]

Can someone help me with BoB Radiance banking requirements/eligibility.

Like how much IP/MAB required to open BoB Radiance account...
If salary account, how much per month salary needed.

Asking here in few thread because I couldn't find this info in their website or in our forum.

I'm mostly looking for eterna LTF.

 

[SSV]

Isnt Eterna LTF with Radiance?

but when you see it.. the annual fee waiver is 2.5L and at the moment Wallet loads into Payzapp earns RP..
then tell me how long it will take to get the fee waiver milestone.. I
t is a no-brainer card at the moment.. even a paid one.. If they can do my radaince with10L IP, it is an excellent proposition for me..

 

[vijay.vj]

No it is not ..It is a complimentary

Ohh complimentary in the sense... Just FYF or

 

[_amit_]

Isnt Eterna LTF with Radiance?

Ohh complimentary in the sense... Just FYF or

Its complimentary technically. But most have got it LTF till now (not aware of complimentary cases).

They have removed the banner of Eterna from Radiance too a month ago, so maybe they might do something soon. (Its commented if you inspect the HTML)

Regarding BoB radiance requirement

Can someone help me with BoB Radiance banking requirements/eligibility. Like how much IP/MAB required to open BoB Radiance account... If salary account, how much per month salary needed. Asking here in few thread because I couldn't find this info in their website or in our forum. I'm mostly...

www.technofino.in

 

[SSV]

Ohh complimentary in the sense... Just FYF or

What it means is:
By having Radiance we can have Eterna given without the normal CC procedure.. ie. ( Radiance acts as surrogate to Eterna) ...
At the moment it was given as FYF to the Radinace guys.. and I am sure they will run some special LTF campaign sometime in the future..
I am sure I will get this card turned into LTF in the near future..


Don't read too much into everything.. This card for its benefits with 2.5K fee for 2.5L fee waiver is a very good card in the current form..
People stress too much about LTF but it is not needed in this case..
and another reason I am going this route because, I am now way too overleveraged and if BOB is strict about overleverage then I wont get any BOB cards..
hence this route..

My BM also mentioned that this 10L IP Radiance was run as a special campaign in the past and it is now not there.. but he will try it for me as I am a NTB..
He took my number and called me just now to inform me that my account was activated to transfer funds into my account... and Netbanking will be actiavted tomorrow.. He will let me know the netbanking login details tomorrow...

 

[SonyTom]

What it means is:
By having Radiance we can have Eterna given without the normal CC procedure.. ie. ( Radiance acts as surrogate to Eterna) ...
At the moment it was given as FYF to the Radinace guys.. and I am sure they will run some special LTF campaign sometime in the future..
I am sure I will get this card turned into LTF in the near future..


Don't read too much into everything.. This card for its benefits with 2.5fee for 2.5L fee waiver is a very good card in the current form..
People stress too much about LTF but it is not needed in this case..
and another reason I am going this route because, I am now too overleveraged and if BOB is strict about overleverage then I wont get any BOB cards..
hence this route..

My BM also mentioned that this 10L IP Radiance was run as a special campaign in the past and it is now not ther.. but he will try it for me as I NTB..
He took my number and called me just now to inform me that my account was activated to transfer funds into my account... and Netbanking will be actiavted tomorrow.. He will let me know the netbanking login details tomorrow...

So you will have to hold 10L in savings account to keep the radiance status?

 

[SSV]

So you will have to hold 10L in savings account to keep the radiance status?

No. . I will transfer the SB amount to some other place after I get Eterna.. It seems they will review once in 6 months or so.. BM also can give a hand in not downgrading..

I will keep some FD if they really insist after 6 months..
otherwise I will let Radinace go ..
I am pretty flexible.. and I get what I want using the funds I have and keep moving the funds elsewhere to earn better returns..
I never maintain any large sums in SB long term ....

Max, I can do is have some FDs for medium term ...if I feel that SB account is good...

 

[SonyTom]

No. . I will transfer the SB amount to some toerh place after I get Eterna.. It seems they will review once in 6 months or so.. BM also can give a hand in not downgrading..

I will keep some FD if they really insist after 6 months..
otherwise I will let Radinace go ..
I am pretty flexible.. and I get what I want using the funds I have and keep moving the funds elsewhere to earn better returns..
I never maintain any large sums in SB long term ....

Max, I can do is have some FDs for medium term ...

Nice plan. Do inform if you get downgraded.

 

[SSV]

Nice plan. Do inform if you get downgraded.

Sure .. .

 

[vijay.vj]

What it means is:
By having Radiance we can have Eterna given without the normal CC procedure.. ie. ( Radiance acts as surrogate to Eterna) ...
At the moment it was given as FYF to the Radinace guys.. and I am sure they will run some special LTF campaign sometime in the future..
I am sure I will get this card turned into LTF in the near future..


Don't read too much into everything.. This card for its benefits with 2.5K fee for 2.5L fee waiver is a very good card in the current form..
People stress too much about LTF but it is not needed in this case..
and another reason I am going this route because, I am now way too overleveraged and if BOB is strict about overleverage then I wont get any BOB cards..
hence this route..

My BM also mentioned that this 10L IP Radiance was run as a special campaign in the past and it is now not there.. but he will try it for me as I NTB..
He took my number and called me just now to inform me that my account was activated to transfer funds into my account... and Netbanking will be actiavted tomorrow.. He will let me know the netbanking login details tomorrow...

Thanks for sharing the information 🙂 Keep us posted.

 

[SSV]

Thanks for sharing the information 🙂 Keep us posted.

Sure...
Just now transferred 10L From the ICICI wealth account to BOB Adv acount after getting the Sapphiro LTF from ICICI ..
Push for ICICI WM Select is also in the process, but not sure of the outcome..

Meanwhile hunt for Radiance begins tomorrow..

ICICI Credit Card - ICICI CC UPGRADE PRE APPROVALS

I do find offers on Swiggy Instamart where discounts applicable only to bank issued Amex cards like ICICI/IndusInd etc. but not applicable to core amex cards :) Exactly, disappointing how their preference and priorities are but we must adapt regardless!

www.technofino.in

 

[MONEY]

Opened BOB Adv SB account.
Visited the branch nrear to me ,8 mins walk..
account opening done in 30 minutes with Pan, aadhar and a PPP..

Agreed to open Radiance with 10L IP , BM said he would try his level best to open with 10L as I am true NTB .. for some reason if it doesn't get approved then I need to fund 30L..
FYF Eterna was also promised based on Radiance...

View attachment 58092

Did you account get upgraded to radiance?

 

[SSV]

Did you account get upgraded to radiance?

Under process...
Account was opened 6 days ago only..
Request went to HO from BM.
Mostly will be done by 1st week of July ...after this quarter closure ie. 30th June

 

[MONEY]

Under process...
Account was opened 6 days ago only..
Request went to HO from BM.
Mostly will be done by 1st week of July after this quarter closure ie. 30th June

Please keep us posted

 

[supperman]

Does BoB downgrade accounts? I'm not asking for Radiance account, but one of their other account variants which requires an AQB of 1L.

 

[SSV]

Thanks for sharing the information 🙂 Keep us posted.

Nice plan. Do inform if you get downgraded.

Please keep us posted

Under process...
Account was opened 6 days ago only..
Request went to HO from BM.
Mostly will be done by 1st week of July ...after this quarter closure ie. 30th June

1) Account Opened: 20/06/2024 with 10L IP ( Advantage SB Account)
2) Added another 20L on 28/06/2024...
3) Account upgraded to "Sparkle on 03/07/2024
4) Radiance Upgrade on 16/07/2024...

Upgraded Account Variant to Super Savings Account.

Applied for Free Select Rupay Dc
Applied for Free Sapphire DC.

So, it took 26 days for Raqdiance upgrade..
Now , made 10L FD,
Will withdraw 20L soon..

Another one bites the dust..

Applying for Eterna in a few days...

 

[MONEY]

1) Account Opened: 20/06/2024 with 10L IP ( Advantage SB Account)
2) Added another 20L on 28/06/2024...
3) Account upgraded to "Sparkle on 03/07/2024
4) Radiance Upgrade on 16/07/2024...

Upgraded Account Variant to Super Savings Account.

Applied for Free Select Rupay Dc
Applied for Free Sapphire DC.

So, it took 26 days for Raqdiance upgrade..
Now , made 10L FD,
Will withdraw 20L soon..

Another one bites the dust..

Applying for Eterna in a few days...

View attachment 61300

View attachment 61301

did they ask you for additional 20 lac ?

 

[phoenix1386]

did they ask you for additional 20 lac ?

30 lakh is when BOB sees you as radiating.

 

[phoenix1386]

1) Account Opened: 20/06/2024 with 10L IP ( Advantage SB Account)
2) Added another 20L on 28/06/2024...
3) Account upgraded to "Sparkle on 03/07/2024
4) Radiance Upgrade on 16/07/2024...

Upgraded Account Variant to Super Savings Account.

Applied for Free Select Rupay Dc
Applied for Free Sapphire DC.

So, it took 26 days for Raqdiance upgrade..
Now , made 10L FD,
Will withdraw 20L soon..

Another one bites the dust..

Applying for Eterna in a few days...

View attachment 61300

View attachment 61301

From their terms, I gathered that Super SAVINGS Account will necessarily put anything above 50k in a term deposit.

I say this because their platinum account mentions in its terms the ‘choice’ to not auto-sweep but the terms for Super SAVINGS do not.

So, do let me know if an automatic sweep occurs in your account.

 

[SSV]

did they ask you for additional 20 lac ?

No, they didn’t ask for it.
For NTB 10L is enough.. because I have free funds from my ICICI sapphiro are available I decided to put extra 20L to speed up the process..
Basically I put pressure on my BM as I specifically added funds for this purpose to speed up the process..
But BOB took its own sweet time and did the batch radiance upgrade…

 

[SSV]

From their terms, I gathered that Super SAVINGS Account will necessarily put anything above 50k in a term deposit.

I say this because their platinum account mentions in its terms the ‘choice’ to not auto-sweep but the terms for Super SAVINGS do not.

So, do let me know if an automatic sweep occurs in your account.

It does automatic sweep for 181days which has pathetic rates.. so I did manual FD for 45 days ..
I will keep 10L FD for long term and take out the 20L after 45 days