HDFC Imperia Upgrade Credit Cards

[aakashgupta]

Hi, I recently opened an Imperia account with HDFC and am curious about the benefits it offers. I'm 19 years old and have two credit cards: an AMEX Platinum Travel (add-on) and a Kotak White credit card. What should I discuss with my relationship manager to make the most of this account? What additional perks are available?

 

[theflash]

can you please guide me on how to get the 1% back? please share the link if possible... thanks!

Thread 'Latest working methods to pay credit card bill from debit cards'

Apr 23, 2024

Valid as on 17th Sep 2024. I will keep on updating here and on https://x.com/sm98119

1a) RBL signature + dc: Pay using sbi unipay. 1% cashback for cc bill payment upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L or more in a year. Fees 5.9k issuance (get 5k voucher) and 1.8k annual (waived off on 3L spends). Can open multiple accounts with same pan to get multiple dc.

1b) RBL Enterprise dc: Pay using sbi unipay. 5% cb on paying cc bills upto 1k monthly. 9k vouchers if spend of 15L in an year. Fees of 2.2k annual. On joining, 8.9k fees and you get 8.5k...

• sm9811911
• bill cashback credit card credit card bill hdfc bank hdfc credit card hdfc debit card pay
• Replies: 4,226
• Forum: Debit Card

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Go through this if possible.

The details are 1% upto 750 Per month on HDFC ESP DC.

It was initially working with HDFC Billpay but now only on SBI Unipay Jio Finance and Canara Setu. Afaik.

 

[abhishek12333@rediffmail.]

Hi, I recently opened an Imperia account with HDFC and am curious about the benefits it offers. I'm 19 years old and have two credit cards: an AMEX Platinum Travel (add-on) and a Kotak White credit card. What should I discuss with my relationship manager to make the most of this account? What additional perks are available?

It is indeed foolish to first open an imperia account, which requires minimum 10 lakhs balance in the savings account and then ask for the benefits it offers. Let me Break your heart by telling you straight that it gives practically no benefit over an account which with ₹10,000 balance. The relationship manager of an imperial account is a totally useless person who does not know anything about the bank’s product. He will only try to sell some ULIP or insurance product. I will seriously advise you to downgrade the account to an ordinary savings account.

 

[aakashgupta]

It is indeed foolish to first open an imperia account, which requires minimum 10 lakhs balance in the savings account and then ask for the benefits it offers. Let me Break your heart by telling you straight that it gives practically no benefit over an account which with ₹10,000 balance. The relationship manager of an imperial account is a totally useless person who does not know anything about the bank’s product. He will only try to sell some ULIP or insurance product. I will seriously advise you to downgrade the account to an ordinary savings account.

thankyou for breaking my heart😭 but i had the money parked in another bank so its okay. if there is no such benefit, is there any other bank which would give me benefits? how can i get a better RM? my RM in Kotak is really experienced/knows alot about industry and i thought would be the same case with HDFC. I am planning to get CCs and then downgrade... please suggest.

 

[theflash]

thankyou for breaking my heart😭 but i had the money parked in another bank so its okay. if there is no such benefit, is there any other bank which would give me benefits? how can i get a better RM? my RM in Kotak is really experienced/knows alot about industry and i thought would be the same case with HDFC. I am planning to get CCs and then downgrade... please suggest.

As per other threads I've seen, negotiate for everything take everything in writing so that you can later on escalate.

 

[Ankit ladia]

If you want unlimited lounge access.

Open a yes Bank Grandeur account and you will get Marquee credit card with that.

It's almost equal to infinia. I have been using this.

 

[navdeep22]

I am imperia customer for almost an year. There is nothing special man other than basic things which I have used
Not so good benifits
1. Free cheq to cash withdrawal
2. Free atm withdrawals
Good benifits
1. Got free locker
2. Got marriot bonvoy LTF

PS: one advantage I found of having account in sbi and hdfc is their branches are available everywhere, tier 3 and even village me I have seen hdfc branches. Whenever have to fill cheq if it's in same branch then cleared very fast and even if signature donot match u can visit branch if payee and payer branch is same. So many people have accounts in hdfc hence become easier in cheq things

Though all above are from my personal opinion and personal use case, and the reason I am holding imperia account in hdfc and not any other bank rn

Thanks for reading

 

[Chechu7]

I am imperia customer for almost an year. There is nothing special man other than basic things which I have used
Not so good benifits
1. Free cheq to cash withdrawal
2. Free atm withdrawals
Good benifits
1. Got free locker
2. Got marriot bonvoy LTF

PS: one advantage I found of having account in sbi and hdfc is their branches are available everywhere, tier 3 and even village me I have seen hdfc branches. Whenever have to fill cheq if it's in same branch then cleared very fast and even if signature donot match u can visit branch if payee and payer branch is same. So many people have accounts in hdfc hence become easier in cheq things

Though all above are from my personal opinion and personal use case, and the reason I am holding imperia account in hdfc and not any other bank rn

Thanks for reading

How did you get Marriott bonvoy Ltf, can you help me in getting this. I have imperia account

 

[navdeep22]

How did you get Marriott bonvoy Ltf, can you help me in getting this. I have imperia account

My RM called me in may, and helped me in thar