Need Suggestions for FD Cc ( max 50k Fd )

[Kumar93196]

I am looking for a fd card which one should be best...

I mostly use cc for online shopping /recharge/ train ticket booking and offline spends.

Max fd I could do is 50k...
Or should I go for some bank account....

 

[VasukiVasuki is verified member.]

I am looking for a fd card which one should be best...

I mostly use cc for online shopping /recharge/ train ticket booking and offline spends.

Max fd I could do is 50k...
Or should I go for some bank account....

Aapko kya jarurat pad gye

 

[Kumar93196]

Aapko kya jarurat pad gye

Sir ji card toh hai pr limit ni hai unme🥹
Aur spare pade hai toh soch ra hu card hi le lu

 

[Cc_creditguy]

Guyz if we break fd in hdfc do they charge??

 

[vharshith]

Guyz if we break fd in hdfc do they charge??

Yes they charge if we break fd

 

[SSV]

Guyz if we break fd in hdfc do they charge??

💯 . .

 

[Cc_creditguy]

Yes they charge if we break fd

How much percentage bro ??

 

[SSV]

How much percentage bro ??

You will get interest for the period of actual fd holding at the rate of
(prevailing interest rate for that period at the time of deposit) - 1 %

 

[SSV]

How much percentage bro ??

You will get interest for the period of of fd holding at the rate of
(prevailing interest rate for that period at the time of deposit) - 1 %

Did you understand this? Or you need explanation?

 

[Cc_creditguy]

Did you understand this? Or you need explanation?

Need explanation bro but the employee said there is no charges

 

[Trust Me]

Need explanation bro but the employee said there is no charges

Just try to get that in writing! 🙂 Most banks have very similar premature withdrawal penalties.
.

 

[SSV]

Need explanation bro but the employee said there is no charges

The employee is 100% wrong..

GIve me the following info about your FD.
1) Date of opening.
2) FD Term - ( how many months)
3) Rate of interest at which FD was booked.

GIve me above details , then I will explain...
IF you dont mind , give me FD amount also ( this is not required actually, but will help you in real numbers in your particlar case. its upto you)

 

[Pollex]

What cards do you already have? Kotak 811 fd card was good, but now Kotak is banned.

IDFC Wow is there but thats a ByeDFC category bank

 

[Cc_creditguy]

The employee is 100% wrong..

GIve me the following info about your FD.
1) Date of opening.
2) FD Term - ( how many months)
3) Rate of interest at which FD was booked.

GIve me above details , then I will explain...
IF you dont mind , give me FD amount also ( this is not required actaully, but will help you in real numbers in your particlar case. its upto you)

Fd Amount 10000

The employee is 100% wrong..

GIve me the following info about your FD.
1) Date of opening.
2) FD Term - ( how many months)
3) Rate of interest at which FD was booked.

GIve me above details , then I will explain...
IF you dont mind , give me FD amount also ( this is not required actually, but will help you in real numbers in your particlar case. its upto you)

 

[Cc_creditguy]

The employee is 100% wrong..

GIve me the following info about your FD.
1) Date of opening.
2) FD Term - ( how many months)
3) Rate of interest at which FD was booked.

GIve me above details , then I will explain...
IF you dont mind , give me FD amount also ( this is not required actually, but will help you in real numbers in your particlar case. its upto you)

Planning to get idfc wow that's why (for my mother)

 

[SSV]

Fd Amount 10000

Planning to get idfc wow that's why (for my mother)

I am assuming this current FD with HDFC is in your mother's name and she is getting senior citizen's interest rates .. is this right?

 

[Pollex]

I am assuming this current FD with HDF is in your mother's name and she is getting senior citizen's interest rates .. i this right?

Senior citizen might have zero withdrawal charges

 

[SSV]

Fd Amount 10000

Planning to get idfc wow that's why (for my mother)

Okay..

Your planned FD details below:

FD = 10,000
Rate = 7.1%
Term: =1 Year 3 months 1 Day
Strat Date: 2 March 2024
Maturity Date: 3 June 2025


Assume, you are foreclosing it today i.e. 9 May 2024.

Term Held: 68 days ( Today - 2 March 2024)
Interest rate applicable for the actual term FD was held as on deposit date (i.e. 2 March) = non seniro citizen. 4.5% , senior citizen - 5%

Normally for a non- senior citizen there will be 1% penal interest rate for foreclosure. I don't kow about senrio citizen whther penal interest rate is applicable.

In this case , I will explain how much we get as interest amount in different cases:

Case 1): Normal customer: where 1% penal rate is applicable.
4.5% - 1% = 3.5 % on 10,000 for 68 days = Rs 65

Case 2): Senior CItizen where 1% penal rate is applicable:
5% - 1% = 4% on 10,000 for 68 days = Rs 74.5

Case 3): Senior Citizen where no penal rate is applicable:
5% -0% = 5% on 10,000 for 68 days = Rs 93.

 

[doraemon]

Guys I am getting rupay cc in Indian Bank on min 25k fd
90% limit

If anyone have this card can you pls tell me the experience?
And which variant is that?

 

[doraemon]

What cards do you already have? Kotak 811 fd card was good, but now Kotak is banned.

IDFC Wow is there but thats a ByeDFC category bank

Idfc wow is good card
But their cc is c category
And the time they take to process things is what it makes a overall pathetic experience