High Interest Savings Account with low or 0 MAB with a good CC offered

[R@ndomiz€r]

Hello, I'm looking for a savings account which has high interest rate and also offers a good CC and low to minimal maintenance charges. I already have a salary account in HDFC and savings account in SBI, not interested in Axis due to poor experience of non burgundy accounts. So open to any other bank. Any suggestions would be welcome. I can maintain 10-20k MAB but need flexibility to move money if needed and hence need a low MAB account. Thanks in advance for suggestions.

 

[varun__goel_]

Hello, I'm looking for a savings account which has high interest rate and also offers a good CC. I already have a salary account in HDFC and savings account in SBI, not interested in Axis due to poor experience of non burgundy accounts. So open to any other bank. Any suggestions would be welcome. I can maintain balance but need flexibility to move money if needed and hence need a low MAB account. Thanks in advance for suggestions.

Indusind is a option for zero balance.
IDFC with 10K MAB

 

[Chaitanya-a]

Open Indus Delite account. Its a zero balance account. Only few banks offers good interest rate. IDFC, RBL & IndusInd. Won't suggest RBL out of 3. Can open IDFC 10k MAB account but it's not good as compared to Indus Delite zero balance account.

 

[R@ndomiz€r]

Open Indus Delite account. Its a zero balance account. Only few banks offers good interest rate. IDFC, RBL & IndusInd. Won't suggest RBL out of 3. Can open IDFC 10k MAB account but it's not good as compared to Indus Delite zero balance account.

Also, do they offer a good CC?

 

[R@ndomiz€r]

Indusind is a option for zero balance.
IDFC with 10K MAB

Which account of IDFC? Do they offer a good CC?

 

[VISHESH_BANSAL]

Hello, I'm looking for a savings account which has high interest rate and also offers a good CC and low to minimal maintenance charges. I already have a salary account in HDFC and savings account in SBI, not interested in Axis due to poor experience of non burgundy accounts. So open to any other bank. Any suggestions would be welcome. I can maintain 10-20k MAB but need flexibility to move money if needed and hence need a low MAB account. Thanks in advance for suggestions.

Sidha sidha Bol dete You want to meet God on Earth.

All these features with same Bank is not possible

 

[4uziaul]

Hello, I'm looking for a savings account which has high interest rate and also offers a good CC and low to minimal maintenance charges. I already have a salary account in HDFC and savings account in SBI, not interested in Axis due to poor experience of non burgundy accounts. So open to any other bank. Any suggestions would be welcome. I can maintain 10-20k MAB but need flexibility to move money if needed and hence need a low MAB account. Thanks in advance for suggestions.

What is your definition of good CC?

 

[4uziaul]

Sidha sidha Bol dete You want to meet God on Earth.

All these features with same Bank is not possible

Sahi baat 😂

 

[R@ndomiz€r]

Sidha sidha Bol dete You want to meet God on Earth.

All these features with same Bank is not possible

Hahahaha... Secondary account hai so savings park karne ko chahiye. Thoda bohot charges raha toh theek hai basically need a low jazz high interest rate account. 10-20k MAB tak theek hai agar account gives good ROI and facilities.

 

[R@ndomiz€r]

What is your definition of good CC?

Has good offers for dining, movies etc. And, can help in paying off utility expenses if needed. I already have a LTF Regalia which is decent enough for my minimal travel requirements so need a card which complements that.

 

[4uziaul]

Has good offers for dining, movies etc. And, can help in paying off utility expenses if needed. I already have a LTF Regalia which is decent enough for my minimal travel requirements so need a card which complements that.

Then I think IndusInd bank should fulfill most of your requirements except utility.

You can also check AU Bank. They have a LIT card which is customisable and it's LTF you only pay for the add-ons.

More information here:

AU LIT Customizable Features

Anyone who has AU LIT CC, can you please post the prices of all the different features you can add-on in this card ! (e.g. 299+ GST for 10x reward points online for 90 days) Will decide based on those costs whether to go for that card !

www.technofino.in

 

[R@ndomiz€r]

Then I think IndusInd bank should fulfill most of your requirements except utility.

You can also check AU Bank. They have a LIT card which is customisable and it's LTF you only pay for the add-ons.

More information here:

AU LIT Customizable Features

Anyone who has AU LIT CC, can you please post the prices of all the different features you can add-on in this card ! (e.g. 299+ GST for 10x reward points online for 90 days) Will decide based on those costs whether to go for that card !

www.technofino.in

Thanks. Will check.

 

[silly_putty]

Then I think IndusInd bank should fulfill most of your requirements except utility.

You can also check AU Bank. They have a LIT card which is customisable and it's LTF you only pay for the add-ons.

More information here:

AU LIT Customizable Features

Anyone who has AU LIT CC, can you please post the prices of all the different features you can add-on in this card ! (e.g. 299+ GST for 10x reward points online for 90 days) Will decide based on those costs whether to go for that card !

www.technofino.in

Does indusind have any good cards besides diners?

 

[4uziaul]

Does indusind have any good cards besides diners?

IndusInd doesn't offer Diners card. Please check this thread here

Best Way to pay Credit Card Bill

Guys I am redacting this post as I have been asked by the bank for non disclosure as mentioned in TnCs else my account would be suspended. They had asked me to remove this as this violates the TnC related to not getting reward points for CC payments. Here is Indusind Account Referral...

www.technofino.in

 

[silly_putty]

IndusInd doesn't offer Diners card. Please check this thread here

Best Way to pay Credit Card Bill

Guys I am redacting this post as I have been asked by the bank for non disclosure as mentioned in TnCs else my account would be suspended. They had asked me to remove this as this violates the TnC related to not getting reward points for CC payments. Here is Indusind Account Referral...

www.technofino.in

i meant easy diners card.

 

[4uziaul]

i meant easy diners card.

Sorry 😂

I wouldn't even consider EazyDiners a good card if you have Magnus. Mostly all the cards are below average, basic rewards like BOGO and free lounge.

 

[Chaitanya-a]

Sorry 😂

I wouldn't even consider EazyDiners a good card if you have Magnus. Mostly all the cards are below average, basic rewards like BOGO and free lounge.

In IndusInd, either you can keep any low end card just for site specific offers or Super premium pioneer cards for leisure. Other cards are waste.

 

[4uziaul]

Exactly! If you get it for free keep it or else don't waste your time 😜

 

[VISHESH_BANSAL]

Sidhi baat no bakwaas.


Open RBL Classic Savings Account.
Minimum Balance Requirement 2.5k

Take Enterprise DC.
This DC is Even Better than Axis Ace(after Devaluation) now for Utility Payments specifically.

RBL SB interest is 4.25% upto 1lakh which is higher than any other Bank

 

[R@ndomiz€r]

Sidhi baat no bakwaas.


Open RBL Classic Savings Account.
Minimum Balance Requirement 2.5k

Take Enterprise DC.
This DC is Even Better than Axis Ace(after Devaluation) now for Utility Payments specifically.

RBL SB interest is 4.25% upto 1lakh which is higher than any other Bank

Thanks for the suggestion. I think currently my shortlists are -

RBL
IndusInd
IDFC

RBL although has crappy CCs but their DCs give good value. Ditto for IndusInd. IDFC Select is a decent LTF card but not sure whether they'll ever upgrade me to Wealth before it gets either massively devalued or discontinued. If either of them have a decent CC then I might even use them for rent payment + utilities + movies, dining etc. Regalia would be just for shopping and other offers and for its free lounge access.