Sir, why would a bank commit to give you a premium account (in their parlance) and then make it zero balance when you aren't ready to give any commitment? They too are here to do business.
Many other zero balance accounts are already available, try Jupiter or NSDL Jiffy or Jan Dhan accounts.
1. I took the Airtel Axis Mastercard last October where I was charged joining fee. I have crossed the fee waiver spends of Rs. 2L. Card is due for renewal in Oct 2025.
Shall I be charged joining fee again if I convert to Rupay variant?
2. Whats the minimum transaction amount for 1% cashback...
Why did you take paid Eterna when you already have Infinia?
I took LTF Eterna via masterstroke account but still feel that it's reward rate is too low/zero. Only driving factor for someone without decent lounge cards is to put spends on Eterna for unlimited lounge access
New Masterstroke accounts can be opened straight away without MAB was it's expected to reach that minimum amount in a particular time frame
Minimum funds to be maintained for system to process upgrade request. Bank staff tried it in front of me
Federal Celesta or Imperio. Both LTF cards without minimum spend requirements.
Or Open PNB Elite account and get 3 Rupay Select Debit cards. 1 lounge/qtr plus other RSDC benefits
Not required. They're just troubling you. Regular KYC docs with your correct name are enough.
They can cross check PAN no + name on your PAN card, authentic enough.
You can argue that you had given the correct document, but bank staff made a mistake while feeding in system.