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Premium and HNI Banking Compilation

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The first post in this thread is a WikiPost, and can be edited by anyone with the appropriate permissions.
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.

BankURLEligibility
SBI Wealth

Home - Wealth Management

sbi.co.in sbi.co.in

Individual Clients - Wealth Management

sbi.co.in 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 www.axisbank.com
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 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 www.icicibank.com
Federal Celesta

Celesta

www.federalbank.co.in www.federalbank.co.in

Celesta

www.federalbank.co.in www.federalbank.co.in
HDFC Preferred
www.hdfcbank.com

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 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 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 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 www.hdfcbank.com
Kotak Privy League Black
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 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 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 www.idfcfirstbank.com
Invite Only. No specific details available on the website.
AU Ivy
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 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 bank.indusind.com
Indusind Pioneer Private

Home

bank.indusind.com bank.indusind.com

Criteria

bank.indusind.com 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 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 www.hsbc.co.in
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 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 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 www.rblbank.com
DBS Treasures
www.dbs.com

DBS Treasures Private Client | DBS Treasures India

For wealth that leaves an imprint
www.dbs.com www.dbs.com

Premier Banking Services | Investment | Loans | NRI Banking | Insurance | Wealth Management | DBS Treasures India

www.dbs.com www.dbs.com
Yes Privatehttps://www.yesbank.in/personal-banking/yes-private-home
 
Last edited:
Click to expand...
cardio_guy said:
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.

BankURL
SBI Wealth

Home - Wealth Management

sbi.co.in 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 www.axisbank.com
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 www.icicibank.com
Federal Celesta

Celesta

www.federalbank.co.in www.federalbank.co.in
HDFC Preferred
www.hdfcbank.com

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 www.hdfcbank.com
Kotak Privy League Black
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 www.idfcfirstbank.com
AU Ivy
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 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 www.bankofbaroda.in
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 www.hsbc.co.in
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 www.rblbank.com
Click to expand...
Never realized that HDFC preferred was premium banking.
 
cardio_guy said:
Compiling a list of premium bank accounts along with links to the respective banks' websites.

Click to expand...
Good initiative. You can add few points.
1. Imperia is banking relationship. Hdfc also offers infinity above Imperia, but this is invite basis. It also offers few premium account variants called speciale gold/platinum /senior citizen.

2. Yes bank has grandeur <first< private. Good thing about yes is they offer better pricing for supplementary product , which is also negotiable (unlike hdfc, icici, PSBs).
 
sidp said:
Good initiative. You can add few points.
1. Imperia is banking relationship. Hdfc also offers infinity above Imperia, but this is invite basis. It also offers few premium account variants called speciale gold/platinum /senior citizen.

2. Yes bank has grandeur <first< private. Good thing about yes is they offer better pricing for supplementary product , which is also negotiable (unlike hdfc, icici, PSBs).
Click to expand...
Yes, Within premium itself there are multiple variants for many banks. I will add the variants for all banks in the coming days. Thanks for letting me know.
 
One doubt. What value is there in having a premium/high variant account?

For example, burgundy and imperia have a mab requirement of 10 Lakh, which when kept over an year gives you an interest of around 3.1%.

Now the same amount split in 2 accounts (iykyk) in a bank like utkarsh at 5 L each gives you an annual interest of around 5.95%. when the same amount is made an fd in a bank like suryoday, or utkarsh, an annualised rate of return of around 9% is easy peasy.

So keeping money in sb account of small banks easily saves you 2.8%, roughly 28000.

Keeping in FD saves you a total of 6% as compared to these hni accounts, totalling near 60000 per year. Now tax on this is a seperate thing.

Since, nowadays all banks are strictly looking into MAB requirement, a like to like comparison would be with FD's, as even though you have the money in your account, in case of premium account, yourl are supposed to maintain that money untouched.

So for this much of difference, is there any value in holding any premium account variant?
 
cardio_guy said:
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.

BankURL
SBI Wealth

Home - Wealth Management

sbi.co.in 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 www.axisbank.com
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 www.icicibank.com
Federal Celesta

Celesta

www.federalbank.co.in www.federalbank.co.in
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 www.hdfcbank.com
Kotak Privy League Black
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 www.idfcfirstbank.com
AU Ivy
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 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 www.bankofbaroda.in
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 www.hsbc.co.in
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 www.rblbank.com
Yes Privatehttps://www.yesbank.in/personal-banking/yes-private-home
Click to expand...
Ig if you're choosing highest variant as HNI then HDFC Infiniti is highest and BP in Axis if I'm not wrong...
 
Tonymathew said:
One doubt. What value is there in having a premium/high variant account?

For example, burgundy and imperia have a mab requirement of 10 Lakh, which when kept over an year gives you an interest of around 3.1%.

Now the same amount split in 2 accounts (iykyk) in a bank like utkarsh at 5 L each gives you an annual interest of around 5.95%. when the same amount is made an fd in a bank like suryoday, or utkarsh, an annualised rate of return of around 9% is easy peasy.

So keeping money in sb account of small banks easily saves you 2.8%, roughly 28000.

Keeping in FD saves you a total of 6% as compared to these hni accounts, totalling near 60000 per year. Now tax on this is a seperate thing.

Since, nowadays all banks are strictly looking into MAB requirement, a like to like comparison would be with FD's, as even though you have the money in your account, in case of premium account, yourl are supposed to maintain that money untouched.

So for this much of difference, is there any value in holding any premium account variant?
Click to expand...
Got it. Quick thoughts -
1) It is not just about MAB in savings accounts.
Many banks see overall TRV for premium banking - that means all of the FD, loans, deposits, investments - everything counts.
That means we don't have to lock a big amount in SB at all.
You can maintain a 0 balance SB account if you have a 10L loan or a 20L FD.

2) Look at the overall benefits of premium banking. Normal SB account gives an ATM card where I can withdraw 40k daily,
where as in higher variant account, I get an ATM card which I can withdraw 2L daily.
( I mean higher transaction limits)
Similar is the case for all other transactions - no charges for many facilities, higher limits for many facilities etc.
Also preferred rate of interest for loans, no waiting time and direct access to customer care.
Higher variant debit cards with more features and lifestyle benefits etc.

3) Go through the link of some banks that you think are interesting and see what they offer.
Each bank's offerings are different.
 
cardio_guy said:
Got it. Quick thoughts -
1) It is not just about MAB in savings accounts.
Many banks see overall TRV for premium banking - that means all of the FD, loans, deposits, investments - everything counts.
That means we don't have to lock a big amount in SB at all.
You can maintain a 0 balance SB account if you have a 10L loan or a 20L FD.

2) Look at the overall benefits of premium banking. Normal SB account gives an ATM card where I can withdraw 40k daily,
where as in higher variant account, I get an ATM card which I can withdraw 2L daily.
( I mean higher transaction limits)
Similar is the case for all other transactions - no charges for many facilities, higher limits for many facilities etc.
Also preferred rate of interest for loans, no waiting time and direct access to customer care.
Higher variant debit cards with more features and lifestyle benefits etc.

3) Go through the link of some banks that you think are interesting and see what they offer.
Each bank's offerings are different.
Click to expand...
Yeah undertaking, it depends on needs.. get it.. thanks sir
 
As per my personal experiences, here are my consolidated reviews of HNI bankings:

1. Axis Burgundy: Burgundy Debit card is really good for BMS offers. Lounge access too, although someone with Burgundy would most likely be having other lounge cards. Earlier there used to be Atlas ltf, but that may have been discontinued now.

2. HSBC premier: Hsbc premier card is good, with 3% on everything and net reward of 1.5% for rent also. But hefty joining fees of 14400. Their US account offering is also good.

3. Icici wealth: Emeralde pvc ltf can be on the table. Other than bms bogo and spa/lounge, it is useless.

4. Hdfc imperia: 0 benefits, other than free platinum dc for cc payments.

These are only based on personal experience. Feel free to add yours.
 
Last edited:
abhiaj98 said:
As per my personal experiences, here are my consolidated reviews of HNI bankings:

1. Axis Burgundy: Burgundy Debit card is really good for BMS offers. Lounge access too, although someone with Burgundy would most likely be having other lounge cards. Earlier there used to be Atlas ltf, but that may have been discontinued now.

2. HSBC premier: Hsbc premier card is good, with 3% on everything and net reward of 1.5% for rent also. But hefty joining fees. Their US account offering is also good.

3. Icici wealth: Emeralde pvc ltf can be on the table. Other than bms bogo and spa/lounge, it is useless.

4. Hdfc imperia: 0 benefits, other than free platinum dc for cc payments.

These are only based on personal experience. Feel free to add yours.
Click to expand...
Thanks. This kind of summarises the offerings and your views are matching with mine as well.
 
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