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HNI Banking Thread 2024

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@Vinay13 for travel spends - atlas beats olympus hands down. but for international spends - outside india or non travel spends internationally atlas is fckd, so the best outcome is to have both for all hotels (direct) +airlines use atlas and rest every damn thing use olympus. I am preferring olympus because i travel 3 - 4 times internationally a year and have good forex expenses,currently use RBL World , one card with 0 forex offer and all, not mch reward rate so thus would love to have olympus.
 
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theboogeyman said:
@Vinay13 for travel spends - atlas beats olympus hands down. but for international spends - outside india or non travel spends internationally atlas is fckd, so the best outcome is to have both for all hotels (direct) +airlines use atlas and rest every damn thing use olympus. I am preferring olympus because i travel 3 - 4 times internationally a year and have good forex expenses,currently use RBL World , one card with 0 forex offer and all, not mch reward rate so thus would love to have olympus.
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You can use indusind debit card for forex transactions , it can be also used in foreign ATM also.
Now coming back to atlas and olympus …considering i spend 7-8L yearly. I plan to spend 1-2 L internationally through olympus and other through atlas. Even if i am paying 3.6k effective in fees for olympus i can easily get it back just by using 2 airport transfers. Then why not go for bothcl cards?
 
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theboogeyman said:
nop, went with Axis Burgundy. Waiting for Axis Olympus CC.
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I am too at similar points. Salary account for net salary 2L+

Primary bank account is SBI for personal use.
For Salary account:
  • Had ICICI but I closed it. Overall experience was very basic even with WM account.
  • Opened HSBC for now. They won't give Premier. But I'll just get the thriwe copouns joining offer.
  • Axis told they will give Burgundy account + Select CC. I need to think if I should take this.
  • DBS told they will give Treasures + Vantage CC. I might take this one. More copouns, offers and monthly vouchers.
  • Not going with HDFC anytime soon.
By the way, how is Axis Burgundy? How is your overall experience?
Also, others who have participated in this discussion, what's your choice? @__Architect__ @FinCurious @mast2510
 
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cardio_guy said:
I am too at similar points. Salary account for net salary 2L+

Primary bank account is SBI for personal use.
For Salary account:
  • Had ICICI but I closed it. Overall experience was very basic even with WM account.
  • Opened HSBC for now. They won't give Premier. But I'll just get the thriwe copouns joining offer.
  • Axis told they will give Burgundy account + Select CC. I need to think if I should take this.
  • DBS told they will give Treasures + Vantage CC. I might take this one. More copouns, offers and monthly vouchers.
  • Not going with HDFC anytime soon.
By the way, how is Axis Burgundy? How is your overall experience?
Also, others who have participated in this discussion, what's your choice? @__Architect__ @FinCurious @mast2510
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Treasures has good lifestyle benefits but when I talked to RM he said those benefits are based on TRV , so not sure of salary trasures will hav those benefits or not
 
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Vinay13 said:
Treasures has good lifestyle benefits but when I talked to RM he said those benefits are based on TRV , so not sure of salary trasures will hav those benefits or not
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OK, I need to check that. Good point.
TBH, Even without Treasures, DBS Elevate Salary account is still good. (They might give the Spark 20 CC LTF with that)
Treasures is added advantage. (But I also think Vantage CC will be chargeable here, it won't be LTF). I will get these points clarified.
 
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cardio_guy said:
OK, I need to check that. Good point.
TBH, Even without Treasures, DBS Elevate Salary account is still good. (They might give the Spark 10 CC LTF with that)
Treasures is added advantage. (But I also think Vantage CC will be chargeable here, it won't be LTF). I will get these points clarified.
Click to expand...
Yeah please keep us posted, information may vary. I do not find anything special is spark20. cash point value is 0.2 even with 20x its 4% only
 
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Dbs I tried has lot of TRV restrictions for many benifits you never know when they will give something when they won't. Very shady buisness practice. Axis is shit but atleast upfront. I don't wanna have a bank which riddles everything with a T&C. So axis it is. I mainly use Atlas, will wait for Olympus. Olympus+Atlas is the best u can have covers all expenses.
 
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