Just a side note from my banking experiences. Always go for the linkings etc. higher variants from the starting ... As it's harder to do it later ...
For example I was lucky that I opened preferred account from HDFC at the beginning as I came to know later that it's very hard to actually gwt upgrades
But I opened Priority instead of Burgundy when I could have gone for Burgundy but now I'm suffering because I'm coming to know later than it's not straightforward to get my family group at Axis upgraded to Burgundy instead of Priority