ICICI or HDFC for 1L above

[Darthvader]

I currently hold a ICICI Privilege banking salary account but the debit card itself is useless in rewards. Its a Visa Platinum but i have never seen any rewards getting accumulated on that. Though i pay my other CC bills through ICICI cards it doesn't give me any rewards /points.

On Hdfc part i have a regular savings account with AMB 10k using it as seconday account savings. Cannot open a salary account with HDFC as my employer is not registered with them. However i can use the regular savings one . Would it be worth switching to HDFC , only concern is MAB is 10k vs 0 on ICICI ?

My employer is open to any banks, like literally even Airtel / Paytm Banks are also accepted. Main intention is when paying CC Bills earn maximum cashback or when we use that debit card atleast any sum of reward points.

 

[Wealth is my birth right!]

Winner will be HDFC pls go for.
Also upgrade to 25k savingsmax which will give u 750/annum fee worth DC free

 

[007]

I currently hold a ICICI Privilege banking salary account but the debit card itself is useless in rewards. Its a Visa Platinum but i have never seen any rewards getting accumulated on that. Though i pay my other CC bills through ICICI cards it doesn't give me any rewards /points.

On Hdfc part i have a regular savings account with AMB 10k using it as seconday account savings. Cannot open a salary account with HDFC as my employer is not registered with them. However i can use the regular savings one . Would it be worth switching to HDFC , only concern is MAB is 10k vs 0 on ICICI ?

My employer is open to any banks, like literally even Airtel / Paytm Banks are also accepted. Main intention is when paying CC Bills earn maximum cashback or when we use that debit card atleast any sum of reward points.

Change the ICICI Visa Platinum card to Rupay Platinum. Once a month using that Rupay debit card on Amazon you get ₹100 off on ₹500 balance load. And it comes with 2 free domestic lounge access per quarter unlike Visa one.

And upgrade to HDFC Savings Max account (₹25K MAB) and get free Easyshop Platinum DC. Pay bills via that DC using HDFC bill pay and get 1% cb upto ₹750 per month.

 

[Card noob]

Change the ICICI Visa Platinum card to Rupay Platinum. Once a month using that Rupay debit card on Amazon you get ₹100 off on ₹500 balance load. And it comes with 2 free domestic lounge access per quarter unlike Visa one.

And upgrade to HDFC Savings Max account (₹25K MAB) and get free Easyshop Platinum DC. Pay bills via that DC using HDFC bill pay and get 1% cb upto ₹750 per month.

Can we change easyshop visa dc to rupay??
(1% cb )

 

[007]

Can we change easyshop visa dc to rupay??
(1% cb )

1% cb not applicable for HDFC Easyshop Rupay DC. Keep it on Visa. @Abhishek012, right?
Conversion I told is for ICICI DC as there are no rewards, be it Visa or Rupay!

 

[Card noob]

1% cb not applicable for HDFC Easyshop Rupay DC. Keep it on Visa. @Abhishek012, right?
Conversion I told is for ICICI DC as there are no rewards, be it Visa or Rupay!

Yes I had easyshop Rupay plat and I think it is the alternate for visa plat but with very low charges and without 1% offer. I checked already. First I thought there might be some other rupay plat other than which i used

 

[TechnoFinoTechnoFino is verified member.]

I currently hold a ICICI Privilege banking salary account but the debit card itself is useless in rewards. Its a Visa Platinum but i have never seen any rewards getting accumulated on that. Though i pay my other CC bills through ICICI cards it doesn't give me any rewards /points.

On Hdfc part i have a regular savings account with AMB 10k using it as seconday account savings. Cannot open a salary account with HDFC as my employer is not registered with them. However i can use the regular savings one . Would it be worth switching to HDFC , only concern is MAB is 10k vs 0 on ICICI ?

My employer is open to any banks, like literally even Airtel / Paytm Banks are also accepted. Main intention is when paying CC Bills earn maximum cashback or when we use that debit card atleast any sum of reward points.

go with HDFC for cc bill payment purpose.

 

[kjs]

AXIS VS HDFC VS ICICI for salary.which to choose..i already have axis priority as saalry acc..and total 4 accounts including bob..i want to bring it down to 3 ..what should be the best combination

 

[Card noob]

AXIS VS HDFC VS ICICI for salary.which to choose..i already have axis priority as saalry acc..and total 4 accounts including bob..i want to bring it down to 3 ..what should be the best combination

What's your priority? Is it cc or services or both?

 

[007]

AXIS VS HDFC VS ICICI for salary.which to choose..i already have axis priority as saalry acc..and total 4 accounts including bob..i want to bring it down to 3 ..what should be the best combination

Choose HDFC for salary as they have decent credit cards.
Close Axis, save yourself from extra charges & hassles!

 

[kjs]

What's your priority? Is it cc or services or both?

Both..i have below cc.

Amazon pay icici.
Flipkart axis
Sbi simly save.
Icici coral.
Axis neo.

Will close sbi simply save once i get my food card and only flipkart axis ks 500₹ yearly.

Planning to take one premium card ..but axis is not giving any ltf + no limit increase on my flipkart card ,neo also jsut 1.25L rest all are 4L limit cards

 

[Wealth is my birth right!]

Both..i have below cc.

Amazon pay icici.
Flipkart axis
Sbi simly save.
Icici coral.
Axis neo.

Will close sbi simply save once i get my food card and only flipkart axis ks 500₹ yearly.

Planning to take one premium card ..but axis is not giving any ltf + no limit increase on my flipkart card ,neo also jsut 1.25L rest all are 4L limit cards

Go with hdfc u may get ltf regalia

 

[kjs]

Go with hdfc u may get ltf regalia

Yeah I was about to get it , I closed the Times Card with 5L limit , Now they are telling that you already closed so you have to apply fresh after 6 months. Trying to convince them lets see.

 

[Wealth is my birth right!]

Yeah I was about to get it , I closed the Times Card with 5L limit , Now they are telling that you already closed so you have to apply fresh after 6 months. Trying to convince them lets see.

BTW in new application try to get this 5l limit and above if possible.
in my ltf regalia they offered base floor limit of 3l only

 

[kjs]

Did you apply regalia without salary account?or u gkt ltf due to salary account?

 

[Wealth is my birth right!]

Did you apply regalia without salary account?or u gkt ltf due to salary account?

No salary account with hdfcbank for me
General application via DSA with payslips and office ID card