Hdfc account upgrade

[tharun]

I have recently received a message from hdfc that iam eligible for classic banking program for free should I upgrade my account or not
At present my bank account is a normal one with millennia hdfc debit card with minimum balance of ₹5000


Thanks for the response in advance

Note that iam not a Salaried person (student)
Or don't have any idea for this classic banking criteria

 

[PRIYANSHU_]

I am maintaining 12L+ from past 20 days having a basic account (5K MBA), should i visit branch to get my account upgraded or wait for offer to come.

 

[Rahul Gupta]

I am maintaining 12L+ from past 20 days having a basic account (5K MBA), should i visit branch to get my account upgraded or wait for offer to come.

Go aheah and ask for manual upgrade. Auto upgrade will take 6 months atleast.

 

[PRIYANSHU_]

Go aheah and ask for manual upgrade. Auto upgrade will take 6 months atleast.

which one should I ask for?
later on, I won't be maintaining such a high amount.

 

[Rahul Gupta]

which one should I ask for?
later on, I won't be maintaining such a high amount.

Go for preferred.

 

[PRIYANSHU_]

Go for preferred.

later on, no charges for account degradation

 

[Rahul Gupta]

later on, no charges for account degradation

Yes they dont charge.

 

[PRIYANSHU_]

Yes they dont charge.

I went to branch; they said open new account with AMB of 25K and add my account to new family id.

 

[Rahul Gupta]

I went to branch; they said open new account with AMB of 25K and add my account to new family id.

They are doing this to meet their targets but i think this is a very good thing. You can have two accounts under same MAB and two debit cards free of charge. Go for it and take both dc platinum and millenia.

 

[PRIYANSHU_]

But asking to maintain 2L at least for 2 months and a total of 4 accounts

They are doing this to meet their targets but i think this is a very good thing. You can have two accounts under same MAB and two debit cards free of charge. Go for it and take both dc platinum and millenia.

 

[varun__goel_]

But asking to maintain 2L at least for 2 months and a total of 4 accounts

If you're maintaining 12L+, just force them to send the invitation link over SMS. If they do not agree, complain over mail or threaten to shift account to another bank. You can easily get imperia with this much balance.

 

[PRIYANSHU_]

If you're maintaining 12L+, just force them to send the invitation link over SMS. If they do not agree, complain over mail or threaten to shift account to another bank. You can easily get imperia with this much balance.

They aren't denying they are asking to open new account and maintain 2L atleast for 2 months and he will add my existing account under new accounts family id.

The issue being i don't know for how long this money will be in my account.
Later on I will only be able to maintain AMB required.

 

[tanujsheoran]

They aren't denying they are asking to open new account and maintain 2L atleast for 2 months and he will add my existing account under new accounts family id.

The issue being i don't know for how long this money will be in my account.
Later on I will only be able to maintain AMB required.

Just write a mail to them so that you have proof they can't force you to open your account, My 5k MAB account was upgraded to classic

 

[varun__goel_]

They aren't denying they are asking to open new account and maintain 2L atleast for 2 months and he will add my existing account under new accounts family id.

The issue being i don't know for how long this money will be in my account.
Later on I will only be able to maintain AMB required.

Bro just threaten them, all bank officials think we are fools, until and unless we don't threaten them or complain they don't work.

 

[tanujsheoran]

Bro just threaten them, all bank officials think we are fools, until and unless we don't threaten them or complain they don't work.

Right bro but not directly just ask them about your problem and after they answer they confirm whether they are sure about it and try your conv. be on mail or on record so that you have proof by this your relation with that person will not be ruined

 

[varun__goel_]

Right bro but not directly just ask them about your problem and after they answer they confirm whether they are sure about it and try your conv. be on mail or on record so that you have proof by this your relation with that person will not be ruined

Yeah surely, first obviously we need to contact branch to get the work done. If they do not help and try to sell products, then we should complain. Otherwise they won't be much helpful in future.

 

[tanujsheoran]

Yeah surely, first obviously we need to contact branch to get the work done. If they do not help and try to sell products, then we should complain. Otherwise they won't be much helpful in future.

IDK why my branch people never contact me to buy their product 🤣 they contact me only once that I have offer on my cc of Insta Loan and Jumbo Loan

 

[varun__goel_]

IDK why my branch people never contact me to buy their product 🤣 they contact me only once that I have offer on my cc of Insta Loan and Jumbo Loan

Neither does my branch😛 Just RM made me open a demat a/c at time of upgrade. I told her even if a single rupee gets deducted as charges, I will close my bank a/c the very next day. Then she said that she had targets and opened a FYF a/c, and asked to remind her after 3 months to close the same🤣 BM bhi darta hai🤣, was charged for DD twice bcoz of their mistake. Whenever I visit branch, every single time he says if you have any problem just directly call and do not complain🤣🤣🤣🤣

 

[Akashn]

Neither does my branch😛 Just RM made me open a demat a/c at time of upgrade. I told her even if a single rupee gets deducted as charges, I will close my bank a/c the very next day. Then she said that she had targets and opened a FYF a/c, and asked to remind her after 3 months to close the same🤣 BM bhi darta hai🤣, was charged for DD twice bcoz of their mistake. Whenever I visit branch, every single time he says if you have any problem just directly call and do not complain🤣🤣🤣🤣

 

[simplegarv]

I am maintaining 12L+ from past 20 days having a basic account (5K MBA), should i visit branch to get my account upgraded or wait for offer to come.

12 days is not enough... if you can leave 2-3 lacs in account then upgrade for Preferred.

 

[simplegarv]

later on, no charges for account degradation

only no charges for account downgrade but downgrade will happen if you aren't having good relations with BM.