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

 

[S9100]

Post in thread 'DBS launches luxury segment Vantage Credit Card, Invite Only for now' https://www.technofino.in/community...it-card-invite-only-for-now.13282/post-904121

Thank you. .

 

[APT]

all these HNI zero fee ???

 

[risingphoenix24]

all these HNI zero fee ???

well I dont know what you mean by zero fee
but for any bank you need to fulfill the conditions to be eligible for the HNI banking programs , and if you do they are free🤣

 

[S9100]

all these HNI zero fee ???

Common Banking services (imps, sms alerts, dc annual maintenance) will not be charged in most premium accounts. But cc etc may have charges.

 

[Kushagra_]

I tried getting hold of federal for celesta but they never reply only

 

[dilbersha]

@cardio_guy would you mind making this thread more useful with added columns like eligibility, work around etc. Also to include 2nd tier hni accounts also like yes granduer,indusind grande etc.
Work around - some accounts just require initial ip even though website says mab and all, they never downgrade or fetch charges like hdfc preferred,indusind grande, yes granduer etc.
Sone accounts even allows demat holding in trv calculation. I could contribute, with the community help can we create something more like this?

 

[cardio_guycardio_guy is verified member.]

@cardio_guy would you mind making this thread more useful with added columns like eligibility, work around etc. Also to include 2nd tier hni accounts also like yes granduer,indusind grande etc.
Work around - some accounts just require initial ip even though website says mab and all, they never downgrade or fetch charges like hdfc preferred,indusind grande, yes granduer etc.
Sone accounts even allows demat holding in trv calculation. I could contribute, with the community help can we create something more like this?

Definitely. Thanks for bringing this up.

Yes it has been long pending from my side. I have been bit busy with last few weeks, so couldn't add this yet. Sorry about that. I'll do that soon.
Also, the first post is a Wiki post. Anyone can click 'Edit' and make necessary changes. I would encourage if someone can contribute. Greatly appreciated.

 

[cardio_guycardio_guy is verified member.]

UPDATE:
Added the eligibility criteria column for all banks to post #1.

 

[Panthera_Tigris]

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)

 

[hender]

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.


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)

How's Equity % ratio in TRV. Do you keep seperate Demat with everyone to maintain TRV.

 

[cardio_guycardio_guy is verified member.]

@Panthera_Tigris Thanks for your insights. Will update.

The real truth is what you told. None of the HNI programs are worth it.

But if anyone is eligible for their offering due to already existing investments or so, make use of whatever they have to offer.

 

[Panthera_Tigris]

How's Equity % ratio in TRV. Do you keep seperate Demat with everyone to maintain TRV.

Yes, I do. Its wayyy better than keeping liabilities (FD/ CASA).

Its 70% in ICICI Direct but I meet the criteria based on Savings account and FDs as well since its my main biz account. With HSBC and SCB its 100%. HDFC, my parents have FDs so never bothered with demat.

The real truth is what you told. None of the HNI programs are worth it.

True. I used to work in investment banking and genuinely LOVED finance so I just do it as a hobby. The real fun I have is with the offshore accounts (UK, US, UAE). Its like Pokemons for me. Gotta collect 'em all!

 

[hender]

Yes, I do. Its wayyy better than keeping liabilities (FD/ CASA).

Its 70% in ICICI Direct but I meet the criteria based on Savings account and FDs as well since its my main biz account. With HSBC and SCB its 100%. HDFC, my parents have FDs so never bothered with demat.



True. I used to work in investment banking and genuinely LOVED finance so I just do it as a hobby. The real fun I have is with the offshore accounts (UK, US, UAE). Its like Pokemons for me. Gotta collect 'em all!

Good to hear, As you are into investment banking.
Have you ever consider ADCB- For your banking need.
If got time, Look at the in-depth financial reports, may be you will find, Certain good things, which normally people don't know.

 

[Panthera_Tigris]

Good to hear, As you are into investment banking.
Have you ever consider ADCB- For your banking need.
If got time, Look at the in-depth financial reports, may be you will find, Certain good things, which normally people don't know.

Yes, ADCB and Emirates NBD are the best in the UAE.

But I have a hankering for the Swiss, the Brits and the Yanks. After a certain point in life, it becomes more about taste and personal preference rather than min-maxing and value.

 

[hender]

Yes, ADCB and Emirates NBD are the best in the UAE.

But I have a hankering for the Swiss, the Brits and the Yanks. After a certain point in life, it becomes more about taste and personal preference rather than min-maxing and value.

Truly appreciate, your point ☝️.

After a certain point in life, it becomes more about taste and personal preference rather than min-maxing and value.

"Quote of the day."

 

[vijay.vj]

Definitely. Thanks for bringing this up.

Yes it has been long pending from my side. I have been bit busy with last few weeks, so couldn't add this yet. Sorry about that. I'll do that soon.
Also, the first post is a Wiki post. Anyone can click 'Edit' and make necessary changes. I would encourage if someone can contribute. Greatly appreciated.

I'm interested to collect HNI accounts which can be opened with IP but same can be withdrawn immediately without any downgrades. Thus making them 0 bal accounts.

Example:
1. IDFC Wealth - Needs 10L IP cheque. No downgrades after withdrawal.
2. IndusInd Pioneer - Needs 10L IP cheque. No downgrades (this is what I hear, may be someone can can confirm)

Do we have any more HNI accounts as above...

 

[fradela]

Instead of links, better mention Average Monthly Balance (AMB) and Total Relationship Value (TRV) in separate columns.

Add Salary account Eligibility criteria column as well.

 

[cardio_guycardio_guy is verified member.]

Instead of links, better mention Average Monthly Balance (AMB) and Total Relationship Value (TRV) in separate columns.

Add Salary account Eligibility criteria column as well.

Yes, you are right. But, these eligibility might change from time to time. I thought it's better to link them to the pages so that people can see the latest information and not get misguided. Otherwise we will have to keep updating it every now and then.

 

[dilbersha]

UPDATE:
Added the eligibility criteria column for all banks to post #1.

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.

 

[ontherocks]

There is also HDFC Infinity

Infiniti Banking - Customised Wealth Management Solutions | HDFC Bank

Infiniti is an exclusive Invite Only Programme for High Networth individual customers. Infiniti Premier Banking offers customised Wealth Management Solutions.

www.hdfcbank.com

Criteria: This is an Invite Only Programme for Resident Individual Savings customers.