Premium and HNI Banking Compilation

Compiling a list of premium bank accounts along with links to the respective banks' websites.
Each bank has different eligibility criteria and requirements for Average Monthly Balance (AMB) and Total Relationship Value (TRV).
Will keep updating this list and provide insights on which bank offers the best and easiest options for opening a premium account.

Bank	URL	Eligibility
SBI Wealth	Home - Wealth Management sbi.co.in	Individual Clients - Wealth Management sbi.co.in
Axis Burgundy	Home Page - Burgundy Banking - Axis Bank Axis Bank's Burgundy Banking gives a wide range of personal banking, business & lending solutions, legacy planning, wealth management services, etc. Apply now! www.axisbank.com	https://www.axisbank.com/docs/default-source/default-document-library/eligibility-criteria.pdf
ICICI Wealth Management	Wealth Management in India | Wealth Management Services | Wealth Banking - ICICI Bank ICICI Bank provides a comprehensive suite of Wealth Management Services in India. Visit our website to know more. www.icicibank.com	Special Banking and Lifestyle Privileges – Wealth Management With ICICI Bank’s Special Privileges you and your family can enjoy a wide range of benefits, which span from banking privileges to lifestyle exclusives - all handpicked for you. www.icicibank.com
Federal Celesta	Celesta www.federalbank.co.in	Celesta www.federalbank.co.in
HDFC Preferred	High Net Worth - Premium & Preferred Banking Services | HDFC Bank Preferred Banking - With HDFC Bank enjoy wide range of banking services which are customised with special privileges to assure you of an exclusive experience. www.hdfcbank.com	Check Eligibility Criteria for Preffered Banking in India at HDFC Bank Preffered Banking Eligibility - Check out the eligibility criteria for Preffered High Networth Banking at HDFC Bank. Know more about terms & conditions, charges & other requirements. www.hdfcbank.com
HDFC Imperia	Imperia Premier Banking - Features Online in India | HDFC Bank Experience the best of both worlds with Imperia Premier Banking. Enjoy premium benefits, personalized services, and expert financial guidance tailored to your unique needs. www.hdfcbank.com	Check Eligibility Criteria for Imperia Banking in India at HDFC Bank Imperia Banking Eligibility - Check out the eligibility criteria for Imperia High Networth Banking at HDFC Bank. Know more about terms & conditions, charges & other requirements. www.hdfcbank.com
Kotak Privy League Black	https://www.kotak.com/en/personal-banking/privy-league/programmes/black.html	https://www.kotak.com/content/dam/Kotak/Privy-Images/programmes-images/eligibility-may-2024.pdf
IDFC First Wealth	FIRST Wealth | IDFC FIRST Bank The IDFC FIRST Bank's FIRST Wealth program brings the best banking information in the league from strong investment platforms, special prices to financial products. www.idfcfirstbank.com	FIRST Wealth | IDFC FIRST Bank The IDFC FIRST Bank's FIRST Wealth program brings the best banking information in the league from strong investment platforms, special prices to financial products. www.idfcfirstbank.com
IDFC First Private	FIRST Private | IDFC FIRST Bank IDFC FIRST Bank's First Private offers Banking Solutions such as Offshore & Immigration linked Investments, Bonds and Planned Products and Multiple Investment Funds www.idfcfirstbank.com	Invite Only. No specific details available on the website.
AU Ivy	https://www.aubank.in/premium-banking/au-ivy	https://www.aubank.in/ivy-soc-ivy-account-soc.pdf
Indusind Pioneer	Premium Banking Services in India - IndusInd Bank PIONEER IndusInd Bank PIONEER offers premium banking services in India which include a host of rewards & privileges and innovative wealth management solutions. bank.indusind.com	Premium Banking Criteria - IndusInd Bank PIONEER IndusInd Bank's PIONEER banking program offers exclusive benefits for valued customers. Learn more about the eligibility criteria for permium customers here. bank.indusind.com
Indusind Pioneer Private	Home bank.indusind.com	Criteria bank.indusind.com
BOB Radiance	Wealth Management Services in India | Bank Of Baroda Wealth management services by Bank of Baroda also known as Baroda Radiance provides exclusive consulting services to privileged customers. Know more details & apply now! www.bankofbaroda.in	https://www.bankofbaroda.in/baroda-radiance/ (scroll down)
HSBC Premier	Open HSBC Premier Bank Account | Premier Banking - HSBC IN From priority banking services, to growing your wealth internationally with privilege banking, HSBC Premier is here for you. Open HSBC Premier account online. www.hsbc.co.in	https://www.hsbc.co.in/content/dam/hsbc/in/documents/premier/premier-aspire-tncs.pdf
RBL Insignia	Insignia Banking – Exclusive Banking Privileges for You | RBL Bank Discover the Insignia Banking experience at RBL Bank, offering exclusive privileges designed for you. Benefit from personalized services, unique rewards, and comprehensive solutions to enhance your financial well-being. www.rblbank.com	https://www.rblbank.com/preferred-banking/insignia (scroll down)
RBL Signature	Signature Banking - Get Doorstep Banking Services | RBL Bank RBL Bank offers signature banking that comes host of benefits & solutions at your doorstep. Visit RBL Bank to know about this premium banking service, i.e. signature banking. Apply today! www.rblbank.com	Signature Banking - Get Doorstep Banking Services | RBL Bank RBL Bank offers signature banking that comes host of benefits & solutions at your doorstep. Visit RBL Bank to know about this premium banking service, i.e. signature banking. Apply today! www.rblbank.com
DBS Treasures	DBS Treasures Private Client | DBS Treasures India For wealth that leaves an imprint www.dbs.com	Premier Banking Services | Investment | Loans | NRI Banking | Insurance | Wealth Management | DBS Treasures India www.dbs.com
Yes Private	https://www.yesbank.in/personal-banking/yes-private-home

 

[mohitkamboj007]

Ye btao inmein se konsa account open krne ke bd balance maintain nhi krna pdta apart from IDFC Wealth.

 

[hender]

Till date , not able to understand what's the difference between Jan Dhan Account 0 Balance in account or Super Premium Private Banking with a 0 Balance in account.🤔

Disc: (Leave the Credit Cards)

 

[abhiaj98]

Till date , not able to understand what's the difference between Jan Dhan Account 0 Balance in account or Super Premium Private Banking with a 0 Balance in account.🤔

Disc: (Leave the Credit Cards)

Good Debit cards with lounge access/movie/reward rates, Customer care is very fast, Locker benefits, Free neft, rtgs etc, Free unlimited cash withdrawals,

Basically all sorts of secondary trinkets as benefits

 

[hender]

Good Debit cards with lounge access/movie/reward rates, Customer care is very fast, Locker benefits, Free neft, rtgs etc, Free unlimited cash withdrawals,

Basically all sorts of secondary trinkets as benefits

What to do without money in it 🤔
What matters if have M800 or Lamborghini Bugatti without oil in it, to drive.

 

[cardio_guycardio_guy is verified member.]

I also meant unofficial eligibility criteria or workarounds. May not be accurate/may not work for all, that's why I wanted your permission before editing.

Ok got it.
For unofficial and other workarounds I suggest you add a new comment and we can add it as threadmark so that it will be highlighted. Let us not disturb the first post. I would say.

 

[cardio_guycardio_guy is verified member.]

Till date , not able to understand what's the difference between Jan Dhan Account 0 Balance in account or Super Premium Private Banking with a 0 Balance in account.🤔

Disc: (Leave the Credit Cards)

Jan dhan acc - no need to have anything with bank. 0 means 0. Inside and outside 0.

Premium banking - savings bank account balance can be 0, but they will sell you other products, loans, investments through bank branch is counted. Good high TRV will be there.
Outside 0, inside crores.

 

[hender]

Not about TRV NRV-

Suppose a special account variant is available, named Private Ultra Max with IP 100 CR.
Now after 2 months you removed all the money, keeping and maintaining it 0mab for next 10- 20 years.
What's the benefits if have no money(no power) in it.

 

[cardio_guycardio_guy is verified member.]

Not about TRV NRV-

Suppose a special account variant is available, named Private Ultra Max with IP 100 CR.
Now after 2 months you removed all the money, keeping and maintaining it 0mab for next 10- 20 years.
What's the benefits if have no money(no power) in it.

They will downgrade for sure. Though they say technically 0 MAB, if people keep it 0 for a long time, it's bound to get devalued. (At least that is what I think)

 

[hender]

They will downgrade for sure. Though they say technically 0 MAB, if people keep it 0 for a long time, it's bound to get devalued. (At least that is what I think)

The product designed - variant type in such a way, no matter how you use it, what you keep it, all is aligned with internal business objectives of the bank.
Rest is individual's perception.
A International Flight ✈️ First Class, Business Class, Executive Class, Economy Class, Cattle Classs, Box Class...
Whatever ...
Every Class is meant for specific Business requirements, so are the charges and benefits.

 

[ozzy_ausbound]

You can also add:

1. SCB premium and priority banking (15L and 50L respectively. Used to be 30L but increased just two days ago. I had it and it was decent.)
2. Deutsche Bank PB (meh)
3. ICICI PB (okayish)
4. SBM private (ewww)

None of the HNI programs are worth it. But I buy lots of stocks anyway so I just buy stocks to meet the TRV for the ones I want.

Personally, I am aiming for JP Morgan Private account in the UAE, UK or US as I have companies there. Truth be told, I will probably never qualify for it because I invest on my own so not gonna have a spare 10 mil lying around lmao.


These are the ones I am planning to keep in India:

1. HDFC Imperia (utterly useless but parents qualify so why not)
2. ICICI PB (again, mostly due to parents so why not)
3. IndusInd Pioneer (They have the best FX rates by far)
4. SCB Priority (Had it for 15 years and its also global which is nice)
5. HSBC Premier (Its global and that helps for people like me)

Does HSBC Premier consider MFs under TRV, or is HSBC AMC a completely different entity?