HSBC salary account opening experience

[cardio_guy]

They have NO IMPS facility.

Internet Banking and Mobile app not good.

5% Debit card cashback you have to wait 60 to 90 days.

customer care was not good.

For me, I have one branch near me.

Please check if any branch near you. Otherwise it is very difficult.

Better close the account and go with other banks for salary account.

Yeah. Will do that after some months. They are giving some joining offers like swiggy and Amazon prime copoun, Myntra copoun etc. will get all of that and then close it.

 

[cardio_guy]

From ICICI and HDFC, you will LTF credit cards. That is only benefit.
Once you have got LTF credit cards, move to other banks.

Yes same thing I am doing. Got from icici, next target is HDFC. Meanwhile I just opened this to get the joining benefits.

 

[leonneel]

View attachment 74299

My main goal is to get hsbc cc...normal application they r rejecting. Is there a way to open 1-2L mab acct and get pre approved cc?

 

[fradela]

Yeah. Will do that after some months. They are giving some joining offers like swiggy and Amazon prime copoun, Myntra copoun etc. will get all of that and then close it.

I too got all these benefits. After, go with other banks.

 

[vine]

Yes same thing I am doing. Got from icici, next target is HDFC. Meanwhile I just opened this to get the joining benefits.

What all benefits did you get from ICICI?
I will do same 😁

 

[Vinay13]

Try with BOB. I recently moved to BOB for salary accounts.
You will get free debit cards and credit card.

Try SBI. (You will get no joining fees on credit card)

can you tell us about BOB salary account benefits and overall exp?

 

[cardio_guy]

What all benefits did you get from ICICI?
I will do same 😁

ICICI nothing. One Sapphiro card LTF they gave. apart frm that nothing.

 

[cardio_guy]

For HSBC there is also one more thing- install & activate HSBC Simply Pay UPI app and get 100 rs cashback

 

[fradela]

can you tell us about BOB salary account benefits and overall exp?

less than one month. 🤣

Already received LTF credit cards from HDFC, ICICI.
Used HSBC, YES.
Very bad experience with HDFC, HSBC, YES.
No use of SBI Salary account. [Only FYF for Credit Cards]

I have no other options.
Go with BOB. [IMPS is FREE, Sapphire Debit Card LTF. Premier Credit Card LTF]
I'm not sure RuPay cards are LTF or FYF. Somebody says LTF.

Even after some time, I will go another salary account, no problem. Maintains Professional account with them just 25K MAB or 2K normal account.

Branch and their Net banking is very worst.

Mobile app is good.

Will get locker 50 % discount.

Loan benefits.

 

[fradela]

Salary account benefits page:

Apply for Baroda Salary Privilege Account | Bank of Baroda

Open a Baroda Salary Privilege Account and enjoy personalized banking solutions, higher withdrawal limits & convenient digital services. Apply for a salary privilege account today at Bank of Baroda.

www.bankofbaroda.in

 

[fradela]

For all salary account details:

Salary Accounts

Manage your salary with ease! Open a zero-balance Salary Account at Bank of Baroda. Experience convenient online banking & personalized services for hassle-free financial management. Visit us today!

www.bankofbaroda.in

 

[helloworld]

View attachment 74299

this is because using those apps? or any other reason?

I meant using apps its our wish, if they credit cashback or not credited anything its upto them about further action. But using on those places leads to closure kind of confusing.

 

[cardio_guy]

less than one month. 🤣

Already received LTF credit cards from HDFC, ICICI.
Used HSBC, YES.
Very bad experience with HDFC, HSBC, YES.
No use of SBI Salary account. [Only FYF for Credit Cards]

I have no other options.
Go with BOB. [IMPS is FREE, Sapphire Debit Card LTF. Premier Credit Card LTF]
I'm not sure RuPay cards are LTF or FYF. Somebody says LTF.

Even after some time, I will go another salary account, no problem. Maintains Professional account with them just 25K MAB or 2K normal account.

Branch and their Net banking is very worst.

Mobile app is good.

Will get locker 50 % discount.

Loan benefits.

How is DBS ?

Also how is Axis Burgundy + Select CC?

I am thinking of trying these next.
For DBS they give Rs 250 voucher every month as long as salary is credited.
If salary is more than 2L they give DBS Treasures Variant + Vantage credit card.

 

[fradela]

How is DBS ?

Also how is Axis Burgundy + Select CC?

I am thinking of trying these next.
For DBS they give Rs 250 voucher every month as long as salary is credited.
If salary is more than 2L they give DBS Treasures Variant + Vantage credit card.

For DBS, I applied online. No response.
Visited bank, they said no benefits. they have no knowledge.

Axis: not much benefit on their credit cards. Bank is very worst.
Checked with my peers. they said salary credits usually late evening.

 

[cardio_guy]

My

Try with BOB. I recently moved to BOB for salary accounts.
You will get free debit cards and credit card.

Try SBI. (You will get no joining fees on credit card)

my company has not tie up with BOB and SBI.

Only ICICI HDFC Axis HSBC DBS

 

[oshan]

this is because using those apps? or any other reason?

I meant using apps its our wish, if they credit cashback or not credited anything its upto them about further action. But using on those places leads to closure kind of confusing.

They did not provide me a reason, however, if you spend upto your salary being credited then there wouldnt be an issue

 

[helloworld]

They did not provide me a reason, however, if you spend upto your salary being credited then there wouldnt be an issue

so, here this account got closed because that person spent more than salary and in those spends heavily contributed to these bill payment apps with debit card, is that right?

 

[fradela]

My

my company has not tie up with BOB and SBI.

Only ICICI HDFC Axis HSBC DBS

Then try all these banks. Finally, settle with one bank.

 

[Vinay13]

I had call with DBS for treasure account , its benefits are good but RM said TRV of 30L min. They said they dont have salary account in treasure.

 

[Vinay13]

DBS had some problems internationally, so i dont want to keep big amounts with them