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...
Do call customer care to check if there any hidden ltf waiver condition at backend and confirm it in mail
BTW I also have received same sms 0 joining and renewal fees for my neo which is ltf.
Digit insurance is extra which agent is pocketing as side income or to fulfill his target.