about to openning idfc bank account

[asourav]

hi i am about to openning idfc bank account mostly for credit card which acount i have to open and good or bad abou idfc bank account..as a bank good and bad ...

 

[SpiesCan'tCatchMe]

hi i am about to openning idfc bank account mostly for credit card which acount i have to open and good or bad abou idfc bank account..as a bank good and bad ...

Service is good just go for it. And if you are specifically opening for credit card then open a 10k account and do regular transactions.
Make a RD of 2k or so and in 1 month or so you'll get a pre approved offer for credit card.
But don't take the offer right away if you want a good variant wait till you get atleast select or wealth variant.

 

[asourav]

What about balance maintain..i can't understand the fundamental of balance maintain..is it on day besis or monthly besis..or if i deposit 1lac during opening account..and withdraw after 1 week should i have to maintain for the rest of the month or not?

 

[Tosh]

I got pre-approved offer 2 days after my account was upgraded to first select RB. Credit limit was my AMB I was maintaining for last month.

 

[asourav]

What will be the best account for opening online 10k or 25k for every offers and others..and credit card, loans etc

 

[Chaitanya-a]

What about balance maintain..i can't understand the fundamental of balance maintain..is it on day besis or monthly besis..or if i deposit 1lac during opening account..and withdraw after 1 week should i have to maintain for the rest of the month or not?

Its monthly average balance. On an average your balance at the end of the month should be ₹10k or ₹25k (whichever you're planning to open). Mostly they give upgrades to ₹25k MAB ones (as told by my RM).

 

[asourav]

got the same info bu castomar care..they give upgrade no downgrade...what about pre approved cc offer..?how many time it will take to get?

 

[Chaitanya-a]

Its monthly average balance. On an average your balance at the end of the month should be ₹10k or ₹25k (whichever you're planning to open). Mostly they give upgrades to ₹25k MAB ones (as told by my RM).

And for upgrading to Select, you need to deposit ₹2lacs or more. After upgradation, you can withdraw rest of the amount except ₹25k. While opening the account, ask your RM to do the upgradation in the first month itself. He can do that manually if you deposit 2-3lac+. Put this condition before opening the account itself.

 

[asourav]

And for upgrading to Select, you need to deposit ₹2lacs or more. After upgradation, you can withdraw rest of the amount except ₹25k. While opening the account, ask your RM to do the upgradation in the first month itself. He can do that manually if you deposit 2-3lac+. Put this condition before opening the account itself.

What will be the best account for opening online 10k or 25k for every offers and others..and credit card, loans etc?

 

[Chaitanya-a]

got the same info bu castomar care..they give upgrade no downgrade...what about pre approved cc offer..?how many time it will take to get?

Once you're enrolled in their Select program, wait for 3-6 months to get pre approved offer. But its not certain.

 

[Chaitanya-a]

What will be the best account for opening online 10k or 25k for every offers and others..and credit card, loans etc?

I would say open ₹25k account for overall better services (if you can).

 

[asourav]

I would say open ₹25k account for overall better services (if you can).

already have icici,hdfc,sbi account...

 

[Chaitanya-a]

already have icici,hdfc,sbi account...

Then open ₹10k one.

 

[asourav]

Then open ₹10k one.

mostly for credit card and checking out the service...