Best Joint Account for Married Couple

[skchamp]

Please recommend a joint account (with my wife). This account would be the primary account used by both for monthly day to day expenses.

Requirement:
- Low min. balance
- UPI for primary holder (bonus if 2nd holder can use UPI too but dont think its possible!)
- SMS alert to both mobile number
- 0 or minimal debit card charges
- movie ticket benefits (if possible)
- lounge access benefits (if possible)

Also, can I make CC payments via debit card/NB from a join account? Cards are in my name and I would be the non-primary account holder in the joint account.

 

[Pollex]

Bro..on serious note by revealing your net worth, you will create 100 of enemies for yourself and trust me no one in this world except your parents will be happy to know about your wealth.

Arey mai kya karu. Apne bapu pe lagaam lagane se aasaan hai Sbi k daftar mei jaake kaam karwa lu

 

[skchamp]

Update: Went for Indusind Partner account. Found it to be the only one suitable for requirements.

 

[newinnov]

Update: Went for Indusind Partner account. Found it to be the only one suitable for requirements.

O mab with initial funding? What was the requirements?

 

[skchamp]

O mab with initial funding? What was the requirements?

1 lakh amb

 

[TheTrickySid]

1 lakh amb

You could have went with HDFC Classic banking instead.
Indusind customer service is dumbass.

 

[Ak Singh]

You could have went with HDFC Classic banking instead.
Indusind customer service is dumbass.

True, I requested for sign update, but it has been more than 2 weeks but still not updated yet. Today I went branch they told me wait two more days it is under process.

 

[TheTrickySid]

True, I requested for sign update, but it has been more than 2 weeks but still not updated yet. Today I went branch they told me wait two more days it is under process.

Le me who has suffered for 6 months to get the address corrected.

 

[Ak Singh]

Le me who has suffered for 6 months to get the address corrected.
View attachment 50915

bhindi for a reason. yeh inka saand pagal hai..

 

[newinnov]

1 lakh amb

Previously they used to provide amb waiver with some high initial funding, don't know about right now. Anyways good bank for most of the things, reps are also good. Just their system is outdated

 

[TheTrickySid]

Previously they used to provide amb waiver with some high initial funding, don't know about right now. Anyways good bank for most of the things, reps are also good. Just their system is outdated

The high initial funding offer was in 2022 May & Oct, it never appeared back.

 

[KGSIPO]

Open indusind a/c, do initial funding of 50k
They will open select variant, then do fd of 50k in your a/c. (for amb waiver)

Then open joint a/c in indusind, make wife primary holder. This will be zero balance "select addon"
You will get visa signature and mid-premium a/c

Opened Indusind select account through RM within a week and got debit card, cheque book . Gave a physical appliaction on 12-8-24 for adding my wife as joint account holder to RM and the joint account is not opened even after a month inspite of many follow ups. Even the RM is not responding nowadays for getting the status. The RM will usally collect all the frorms from my home and the branch is far off. Although many people reported the Indusind bank as shit bank and they proved it. If this is how they behave, i am getting doubts whether they will respnd to issues in real time. Totally hopeless bank. They are also not responding and is there any way to get the application form of my wife if they do not open the account. I wrote to BM also and how to esclate.

 

[Vasuki]

Opened Indusind select account through RM within a week and got debit card, cheque book . Gave a physical appliaction on 12-8-24 for adding my wife as joint account holder to RM and the joint account is not opened even after a month inspite of many follow ups. Even the RM is not responding nowadays for getting the status. The RM will usally collect all the frorms from my home and the branch is far off. Although many people reported the Indusind bank as shit bank and they proved it. If this is how they behave, i am getting doubts whether they will respnd to issues in real time. Totally hopeless bank. They are also not responding and is there any way to get the application form of my wife if they do not open the account. I wrote to BM also and how to esclate.

If rm is not helpful in indusind you are doomed

 

[beast_boy]

Yes I had 2 millniea
Ab tum sare Ghar walo ka 2 account kholo
8*2 =16 X400
6400 pm
75k per year.

Wah Dora wah

Which portal to use Millenia for sure shot 400 PM ? and how much spends ?

 

[KGSIPO]

If rm is not helpful in indusind you are doomed

I fired him fully when it was taking too much time for adding joint account. He stopped responding further queries and I have escalated to BM

 

[Vasuki]

I fired him fully when it was taking too much time for adding joint account. He stopped responding further queries and I have escalated to BM

If you fried a bullet
How he gonna respond

 

[Vasuki]

Which portal to use Millenia for sure shot 400 PM ? and how much spends ?

Amazon wallet 40k adding
Sbi unipay 16k
Cc bill pay I guess

@NShah

 

[KGSIPO]

If you fried a bullet
How he gonna respond

Correct, he has become a stone

 

[Vasuki]

Correct, he has become a stone

Bruh didn't even hesitate

 

[KGSIPO]

Bruh didn't even hesitate

How to proceed further. One way is close my account also and come out of this bank or esclate.I need this account for a purpose.

 

[NShah]

Amazon wallet 40k adding
Sbi unipay 16k
Cc bill pay I guess

@NShah

Pay cc bill payments through Paytm + Sbi unipay+ Canara setu+ Airtel thanks app 2.5% upto 400
@beast_boy