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HDFC classic banking help
- Thread starter Harrypotter
- Start date
chadsterpiece
TF Select
Say, I don't maintain the same amount in a month's time and maintain just the AMB of Savings max which is 25k, would they downgrade? Currently paying no fee for the debit card. would that change?
Sudip
TF Premier
if you're using new net banking interface of HDFC, can you share how it looks hiding all the sensitive details, would like to see it.
hitirfan
TF Premier
You can request you BM or amy friendly person there to upgrade you to Preferred.
I don't think there is any specific criteria to downgrade immediately. But I will suggest at least keeping your account's minimum balance requirement. That is maintain 25k balance. Debit cards are free with Classic, Preferred, Imperia program.
Sudip
TF Premier
okay thanks,
I'm stuck with new net banking as well and unable to merge my hdfc credit card with savings account.
old interface used to allow credit card merger.
For savings account, I'm using netbanking and for credit card - using credit card portal or mycards. Such a mess from such a reputed bank of India.
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chadsterpiece
TF Select
It was news to me when I found out today that there's no app to manage HDFC Credit cards.
Hdfc mycard - u can manage hdfc cc here
Aniket970506
TF Buzz
I have on prefffered account which having 2lakh mab but didn't maintained it so it was downgraded to standard savings max account my rm told me that if I put 1.5 lakh fd by using their code then he will instantly generate concent call for classic banking
I said first transfer my account to classic then we think about fds
He said if you put fd and maintain no money in classic savings account then no one will downgrade you
Let's see what's happening I am going to zero balance classic account again
avikrish
TF Premier
I am having Rs10K MAB account with HDFC platinum card of Rs750+GST.
Prev I only maintain Rs12-13K , now my income is increased post COVID and I am able to maintain more than 1Lak in my savings account.
HDFC RM is telling to upgrade to classic.
Now if I upgrade to classic will the existing platinum card charges are waived off?
Suppose if I don't maintain the 1 lakh for 3 months continuously for some reason, RM told it will degrade automatically.
When I asked if I will be charged for non-maintaince he said yes may be.
But when I saw HDFC website, it shows Nil.
Below are my queries
1) once I am in classic, if I don't maintain 1lak AMB, will I be charged for non-maintaince of amb or not ?
2) I see only advantage for me is getting existing platinum debit card without annual charges and gates open to get infinia , please help me if my understanding is correct?
3) will there be any charges for upgrade and also for that automatic downgrade?
Check Classic Banking Fees & Charges applicable in India at HDFC Bank
Check out the fees you need to pay & the charges for maintaining Classic High Networth Banking at HDFC Bank. Be aware of maintenance charges to avoid unnecessary penalty.
The above is what I referred
6ix9ine
TF Legend
If you want to avoid all of this, just upgrade your account to HDFC Saving Max. You just need to maintain 25K.I am having Rs10K MAB account with HDFC platinum card of Rs750+GST.
Prev I only maintain Rs12-13K , now my income is increased post COVID and I am able to maintain more than 1Lak in my savings account.
HDFC RM is telling to upgrade to classic.
Now if I upgrade to classic will the existing platinum card charges are waived off?
Suppose if I don't maintain the 1 lakh for 3 months continuously for some reason, RM told it will degrade automatically.
When I asked if I will be charged for non-maintaince he said yes may be.
But when I saw HDFC website, it shows Nil.
Below are my queries
1) once I am in classic, if I don't maintain 1lak AMB, will I be charged for non-maintaince of amb or not ?
2) I see only advantage for me is getting existing platinum debit card without annual charges and gates open to get infinia , please help me if my understanding is correct?
3) will there be any charges for upgrade and also for that automatic downgrade?
Check Classic Banking Fees & Charges applicable in India at HDFC Bank
Check out the fees you need to pay & the charges for maintaining Classic High Networth Banking at HDFC Bank. Be aware of maintenance charges to avoid unnecessary penalty.www.hdfcbank.com
The above is what I referred
You will be fine, there isn't any bs charges.
Yes, it's LTF with classic banking
yes
No u won't be charged any NMC but account will be downgraded to standard variant
No charges
platinum DC is free but infinia? mmmmm... 'No', "There is no direct relation btwn credit card approval and banking program in HDFC even if u standard /SavingsMax and if u maintain good amount of funds it will be ok "
Moreover, Infinia has some special criteria that's to be met in order to procure like spend criteria, TRV, Inc Docs etc..
No, it's free to upgrade/Downgrade
Check Classic Banking Fees & Charges applicable in India at HDFC Bank
Check out the fees you need to pay & the charges for maintaining Classic High Networth Banking at HDFC Bank. Be aware of maintenance charges to avoid unnecessary penalty.
The above is what I referred
Finally, I'd say Go ahead and upgrade to SavingsMax instead of classic if u want only plat dc for free no need to get into classic banking for free plat dc and coming to infinia it totally depends on ur utilization on ur existing card(assuming u r using hdfc cc) and relation with bank(but not in terms of high acc variant)
avikrish
TF Premier
I just had a query on group Banking
Like adding family members to classic program
In general question, will there be any impact of cibil for all the family member credit cards, IncomeTax if we opt for grouping?
After grouping, I hope still individual customer id net banking will work as normal right?
No impact on cibil , IT etc ...
We generally consider grouping to split the burden of maintaining bal on individual and make addon members avail same benefits that we availed
Cust ids will be diff and no mem in grp can access other's accounts
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