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Savings, current & salary accounts

bob Masterstroke Saving Bank Account

A premium savings relationship requiring ₹10 lakh MAB, or ₹5 lakh savings MAB plus ₹10 lakh in term deposits, with linked card, transaction, locker, loan and sweep benefits subject to conditions.

Relationship balance requirement₹10 lakh MAB, or ₹5 lakh savings MAB plus ₹10 lakh in term depositsDebit cardVisa Opulence debit card with 100% issuance and renewal fee waiver for the first account holderMAB shortfall charge6% of actual monthly shortfall, minimum ₹200 and maximum ₹1,000
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✓ Manually checked 13 Aug 2026 · active
bob Masterstroke Saving Bank Account official product artwork
Offered byBank of Baroda

All Bank of Baroda branches; resident, NRE and NRO scheme codes are published

Key facts

What the official sources publish

Every value below belongs to this exact product. Select a source marker to check its context.

Relationship balance requirement₹10 lakh MAB, or ₹5 lakh savings MAB plus ₹10 lakh in term deposits
Source 1
MAB shortfall charge6% of actual monthly shortfall, minimum ₹200 and maximum ₹1,000
Source 2
Debit cardVisa Opulence debit card with 100% issuance and renewal fee waiver for the first account holder
Source 3
Linked-card forex markup2% for the Visa Opulence debit card and 2% for the Eterna credit cardEffective 7 May 2026
Source 4
ATM cash-withdrawal limit₹5 lakh per day
Source 5
POS purchase limit₹10 lakh per day
Source 6
Sweep threshold₹20 lakh; sweep-out in ₹25,000 multiples and sweep-in in ₹10,000 multiples every Monday
Source 7
Continuous under-balance reviewAfter 3 continuous months below the benchmark, the bank may move the account to a normal savings scheme and withdraw benefits
Source 8
PDF eligibility, branches and balanceAll individuals including NRIs; minors excluded; all branches; ₹10 lakh MAB, or ₹5 lakh savings balance plus ₹10 lakh term depositEffective 7 May 2026
Source 9
PDF cash deposit and withdrawal chargesDeposits: base first 10/month free, then ₹50 metro/urban or ₹40 rural/semi-urban; non-base free to ₹1 lakh/day then bank norms; outstation first 5/month free then ₹50. Withdrawals: first 5/month free then ₹125; non-base/outstation maximum ₹50,000/day by self-chequeEffective 7 May 2026
Source 10
PDF payments, cards and channel termsDD/BC unlimited free; one small locker 100% discounted for first holder; NEFT/RTGS/IMPS unlimited free. Visa Opulence lifetime free for first holder; 50 free Bank ATM transactions then ₹10 financial/₹5 non-financial; other-bank ATM metro 3/non-metro 5 free then ₹23/₹11; unlimited cheques and SMS; internet/mobile/WhatsApp available; lifetime-free Eterna credit card subject to underwritingEffective 7 May 2026
Source 11
PDF ancillary charges and waiversDemat AMC lifetime free; gift-card issuance/renewal 100% waived and travel card free; forex markup discount 2 bps on Visa Opulence and 2% on Eterna; transaction/folio charges nil; closure after 14 days but within 1 year ₹300; five doorstep services/quarter free then ₹75+GST. MAB: ₹5-10 lakh plus TD ≥₹10 lakh nil; otherwise 50% of ₹1,000+GST/month; below ₹5 lakh ₹1,000+GST/month, ₹200-₹1,000 at 6% shortfallEffective 7 May 2026
Source 12
PDF lending, conversion, insurance and health conditions100% home/mortgage processing waiver on published bases; 100% auto/personal/education processing waiver; 0.25% eligible new-loan rate concession up to ₹10 lakh, not below minimum rate. Three continuous months below benchmark converts to normal savings and removes benefits. Accident cover: Visa Opulence air ₹1 crore/non-air ₹10 lakh; Eterna air ₹1 crore/non-air ₹10 lakh. No cancer-care or Practo benefit listedEffective 7 May 2026
Source 13

Benefits and features

  • Fee-waived Visa Opulence debit card for the first holder
  • Unlimited published NEFT, RTGS, IMPS, UPI and cheque-leaf benefits
  • Written-request sweep facility
  • Conditional locker, retail-loan and card benefits

Eligibility

  • Open to individuals, including eligible NRI customers; minor accounts are not allowed.
  • Resident, NRE and NRO scheme codes are published separately.
  • Most linked-card, loan, locker and lifestyle benefits are conditional, generally restricted to the first holder and depend on maintaining the required balance.

Passing a listed condition does not mean the bank will approve an application.

Field-level evidence

Where each fact came from

Short context only; open the official page or document for the complete terms.

1

Relationship balance requirement

high confidence
The second route requires both the savings-account MAB and the term-deposit balance.
Source
bob Masterstroke Saving Bank Account
Page / section
Benefits and Features — Monthly Average Balance
Accessed
13 Aug 2026
Open official source ↗
2

MAB shortfall charge

medium confidence
The live page caps the charge between ₹200 and ₹1,000, but the official May 2026 premium-savings PDF instead lists fixed ₹500 or ₹1,000 monthly charges for specified shortfall bands. No normalized charge is used until the bank reconciles the conflict.
Source
bob Masterstroke Saving Bank Account
Page / section
Features — Penal Charges on non-maintenance of MAB
Accessed
13 Aug 2026
Open official source ↗
3

Debit card

high confidence
The waiver applies only to the Visa Opulence card issued to the first holder.
Source
bob Masterstroke Saving Bank Account
Page / section
Features — Debit Card Variant
Accessed
13 Aug 2026
Open official source ↗
4

Linked-card forex markup

high confidence
The comparison schedule separately identifies the Visa Opulence and Eterna card markups; card and issuer terms still apply.
Source
Bank of Baroda Comparison of Premium Savings Bank Products
Page / section
Page 3 — Forex mark up, bob Masterstroke
Accessed
13 Aug 2026
Open official source ↗
5

ATM cash-withdrawal limit

high confidence
The limit is associated with the linked Visa Opulence debit card.
Source
bob Masterstroke Saving Bank Account
Page / section
Masterstroke Benefits and Visa Opulence offers
Accessed
13 Aug 2026
Open official source ↗
6

POS purchase limit

high confidence
The limit is associated with the linked Visa Opulence debit card.
Source
bob Masterstroke Saving Bank Account
Page / section
Masterstroke Benefits and Visa Opulence offers
Accessed
13 Aug 2026
Open official source ↗
7

Sweep threshold

high confidence
Sweep is available on written request; the linked deposit period is 181 days for resident/NRO and 12 months for NRE deposits.
Source
bob Masterstroke Saving Bank Account
Page / section
Features — Sweep facility Allowed
Accessed
13 Aug 2026
Open official source ↗
8

Continuous under-balance review

high confidence
Product benefits remain linked to maintaining the published balance conditions.
Source
bob Masterstroke Saving Bank Account
Page / section
Features — Important Terms and Conditions
Accessed
13 Aug 2026
Open official source ↗
9

PDF eligibility, branches and balance

high confidence
All applicable eligibility, branch and balance cells are retained.
Source
Bank of Baroda Comparison of Premium Savings Bank Products
Page / section
Page 1, rows 1-3
Accessed
13 Aug 2026
Open official source ↗
10

PDF cash deposit and withdrawal charges

high confidence
Every cash-channel allowance, limit and over-limit charge is included.
Source
Bank of Baroda Comparison of Premium Savings Bank Products
Page / section
Page 1, rows 4-9
Accessed
13 Aug 2026
Open official source ↗
11

PDF payments, cards and channel terms

high confidence
Instrument, locker, transfer, card, ATM, cheque, SMS and digital-channel cells are retained.
Source
Bank of Baroda Comparison of Premium Savings Bank Products
Page / section
Pages 1-3, rows 10-33
Accessed
13 Aug 2026
Open official source ↗
12

PDF ancillary charges and waivers

high confidence
All nonblank fee, waiver and band conditions are retained.
Source
Bank of Baroda Comparison of Premium Savings Bank Products
Page / section
Page 3, rows 34-41
Accessed
13 Aug 2026
Open official source ↗
13

PDF lending, conversion, insurance and health conditions

high confidence
Loan bases, restrictions, conversion rules and every insurance/health cell are included.
Source
Bank of Baroda Comparison of Premium Savings Bank Products
Page / section
Pages 3-4, rows 43-53
Accessed
13 Aug 2026
Open official source ↗

Related official documents

Bank of Baroda Comparison of Premium Savings Bank Productsproduct-comparison-schedule · current · accessed 13 Aug 2026
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