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Just curious, 7.XX % interest with 10-15 year lock-in, with not a very promising secondary market for bonds in India yet. Is this better than a small finance bank FD maybe?

Considering B.A easier option would be to learn some graphics related work/training like Photoshop, video editing etc to get a decent earning. For core IT jobs a bit of programming is needed. Some non-programming IT jobs that you can target and apply is 'Business Analyst' or 'Tester'. Markets...

Correct! This has been the case for several years now, I noticed this first during 2019 while trying to book a flight ticket on smartbuy via my Regalia card and noted that the smartbuy portal is essentially a trap for people going for travel points. Ticket prices are marked up and then you have...

It's been mayhem here, btw all RM's have ludicrous targets and are mostly useless for a normal customer who is not interested to fall into their trap of mis selling business/generating commissions. I have seen many RM's over the last 15 years of association with multiple big banks and some are...

Its all about one way sourcing new business for these RM's. I do not respond to RM calls nowadays. But they sure are making fool out of other gullible customers by misselling ULIP's, and other high commission products.

Not a bad suggestion on AU Royale sir, however "regular benefits of lounge access and 1 on1 BMS offer." is this applicable on AU debit or credit card? Also does AU give you decent LTF cards on C2C basis (maybe on Regalia for example)?

Thanks for your inputs, I was curious to go beyond automated pre-approved offers on a stale web page to also understand the practical user experience, and the challenges/surprises that @imdjay may have come across when he walks into the branch.

Did you manage to get LTF Burgundy Magnus card, please keep us posted about the details.

Thanks for the info, HDFC is too laid back nowadays, but I am only hanging onto it, as it is 'Too Big To Fail'.

Regalia was anyways sitting idle in my wallet since Covid, Amazon Pay ICICI (Amazon purchases), Tata Neu Infinity (Groceries, Medicines etc.), IDFC Select (1-1 For Movies) are better suited for my spending pattern. Since I travel less post covid, more so with work from home, this card was...

This is probably the next data debacle waiting to happen. Not using them and very wary of giving data to any such org, be it public or private.

Sad to hear that buddy, it has become too sales centric nowadays. And I do not see this improving anytime soon, rather it would be more gross over time. Today I saw a tweet from Raghuram Rajan and he spoke about resignation from a SBI employee who cited bad behavior from seniors and impractical...

Interesting, curious to understand what is Setu and OneMoney be doing with my sensitive data.

Thats exactly right, I have done an internship back in 2007 in one of India's leading banks and I noticed it back then and the situation has detoriated even further now. Branch banking is mostly a sales channel/outlet, more so in private banks, in government banks they are anyways not interested...

Been into Imperia for a year now, no change from Preferred apart from the background pic in mobile and internet banking. The equation with banks and customers is simple nowadays, banks are flush with money, especially since US Fed has printed so much during Covid, so they do not need much more...

Thats the catch my friend, either you give them 30L in FD+Savings. Or if you keep 10L, give it to them at savings rate of 3.5% which they can lend it out at 9%, and give you some small benefits in return like a credit card etc. The only place where you have an even hand with banks are LTF...

Very true and more than the benefits to the customer, it's for banks to highlight account holders for RM's to sell bank's products.

Talking about debt purely, in terms of instant loans, easy loans, cheap credit has spoiled Indian consumer. Unlike US we cannot print money whenever we want to bail out defaults. Indian banks will continue to push as much credit as they can to trap more assets for interest, that's their...

I am still with IDFC due to interest rates, and the fact that its giving good interest despite not being a small finance bank. IDFC Select credit card also I often use for book my show 1-1 offer. Bulk of my money is in HDFC Imperia and holding HDFC Regalia (DCB paid upgrade offered), but no...

This Wealth credit card offer nonsense they told me too, may not be true, I wrote back to customer care after 8 months and they are asking for ITR, payslip and all. So a Wealth account does not necessarily have to come with a Wealth Credit card.