Need Advice on HDFC Preferred banking

[Deleted member 26954]

My personal opinion, It is useless until unless you are getting specific benefit like discounted locker, premium CC LTF etc ...You will BLOCK your money to maintain the useless status of preferred/imperia.....You will be KING without Kingdom....I am waiting for downgrade from Imperia to classic 🙂

 

[tanujsheoran]

Thanks. What about the platinum debit card? Do they dispatch that or we need to apply for it as well?

you can apply from netbanking or mobile banking free of cost

 

[roygarg]

I recently upgraded to preferred banking. I talked to RM, he said if your current debit card expires, then u will get preferred DC, else you ur current DC. Else if u want a preferred one, then u can apply for it.

Alright. If i upgrade dc, it will be free of cost with no annual fee right?

 

[Abdullāh Khān]

Yha mujhe offer nhi de rhe

They have tried twice to lure me into the LE but as SSV said, 1.5L say kam lena nahi, so I'm following his advice.

 

[snike1792]

Alright. If i upgrade dc, it will be free of cost with no annual fee right?

Yes, it's free of cost without any annual fees. Got my preferred platinum debit card few months back.

 

[Trust Me]

They have tried twice to lure me into the LE but as SSV said, 1.5L say kam lena nahi, so I'm following his advice.

I don't think it would have hurt you if you did accept whatever was offered. It's not guaranteed that they would keep on offering you larger and larger LEs in future if you keep declining them! Some people never get LE offers.

From my personal experience, they automatically kept offering me periodic LEs starting out with small increases at first (still 30%). Each time I accepted.
.

 

[anisharya16]

Alright. If i upgrade dc, it will be free of cost with no annual fee right?

Yes, it will be free

 

[tanujsheoran]

Got a mail from HDFC to maintain balance to continue classic banking, after mail In how many days they downgrade classic to standard

 

[AllThatStuff]

I got a SMS saying I'm eligible for Preferred Banking.
Right now I'm in Classic Banking Programme, with two linked accounts & usually maintain 50k balance!!

Is it worth upgrade...any special perks, any downside??

 

[helloworld]

I got a SMS saying I'm eligible for Preferred Banking.
Right now I'm in Classic Banking Programme, with two linked accounts & usually maintain 50k balance!!

Is it worth upgrade...any special perks, any downside??

Need Advice on HDFC Preferred banking

I am getting offer to upgrade to HDFC Preferred banking . is it worth it ?

www.technofino.in

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[altair21]

salary account = savings max = classic = preferred = imperia (except IMPS charges).

but salary account is better if you want to qualify for CCs right? I have a savings max acc with hdfc where my salary is deposited but haven't received any offers about higher tier credit cards at all despite more than satisfying the eligibility

 

[helloworld]

but salary account is better if you want to qualify for CCs right? I have a savings max acc with hdfc where my salary is deposited but haven't received any offers about higher tier credit cards at all despite more than satisfying the eligibility

in hdfc, savings or salary account not at all related to get credit cards. its just one way.

 

[altair21]

in hdfc, savings or salary account not at all related to get credit cards. its just one way.

so, it doesnt matter if I have a salary account with them as long as my salary is deposited with them?

 

[helloworld]

so, it doesnt matter if I have a salary account with them as long as my salary is deposited with them?

to get the credit card, salary account not important or play an important role either. so, as long as either you have good spends on existing hdcf card or proper income, that is more important for getting credit card/upgrade rather savings/salary accounts. IMO

 

[SonyTom]

Having salary account with HDFC will help you get a good credit card, but it will take a long time probably more than a year.

So as suggested by senior members, whether salary/savings max/imperia, wait for millennia either paid (only 1 lakh spend needed in an year for waiver of the 1000 fee) or LTF. Use it regularly. Pay dues correctly and wait patiently for upgrade offer.