Salary account suggestion please

[fradela]

Timeline for getting 5% cb please?? Nd any known eligible websites or merchants for cashback?

you have to wait 60 to 90 days to get cashback. Internet banking and Mobile app are not good. No IMPS.

 

[fradela]

My partner and I earn a net salary of over 3 lakhs together.
Does HDFC offer Imperia Premier Banking and the INFINIA Credit Card as lifetime free (LTF) for us?
Does SBI providing any LTF credit cards?
Suggestion for best salary account with premium credit card as LTF?

Have below three credit cards. All are LTFs.
1. HDFC Regalia Gold
2. ICICI Sapphiro
3. IDFC First Wealth

@Vasuki , Can you please provide your suggestions?

 

[Vasuki]

My partner and I earn a net salary of over 3 lakhs together.
Does HDFC offer Imperia Premier Banking and the INFINIA Credit Card as lifetime free (LTF) for us?
Does SBI providing any LTF credit cards?
Suggestion for best salary account with premium credit card as LTF?

Have below three credit cards. All are LTFs.
1. HDFC Regalia Gold
2. ICICI Sapphiro
3. IDFC First Wealth

@Vasuki , Can you please provide your suggestions?

You fall short for income criteria for INFINIA

You can go via upgrade option

8 lakh + limit & 6 lakh spend in last 6 month

If you have like 5-7 lakh limit u can increase it via lien on fd

So say u have 5 lakh limit on regalia gold,
U put 4 lakh fd lien it on cc limit gives you 3 lakh limit on card makes it 8 .2 lakh

Then if you have decent spend like 4 lakh in last 6 month
You can make your case ,if they say 6 lakh spend is needed you can
Email back by spending rest on card
If they say spend more

 

[fradela]

You fall short for income criteria for INFINIA

You can go via upgrade option

8 lakh + limit & 6 lakh spend in last 6 month

If you have like 5-7 lakh limit u can increase it via lien on fd

So say u have 5 lakh limit on regalia gold,
U put 4 lakh fd lien it on cc limit gives you 3 lakh limit on card makes it 8 .2 lakh

Then if you have decent spend like 4 lakh in last 6 month
You can make your case ,if they say 6 lakh spend is needed you can
Email back by spending rest on card
If they say spend more

@Vasuki , Thanks for your suggestion.

 

[Infamous]

@Vasuki off topic but does IDFC select has non MAB charges?

 

[Vasuki]

@Vasuki off topic but does IDFC select has non MAB charges?

No
Hni program has charges
But you have to maintain base account balance that is 25k for 99% people
Or 10k

 

[Vasuki]

@Vasuki , Thanks for your suggestion.

Mail them about your intrest in INFINIA and ask what is it you fall short and how to overcome

They will suggest
You can then take care of limit via lien and
Spend is your per say

 

[fradela]

Mail them about your intrest in INFINIA and ask what is it you fall short and how to overcome

They will suggest
You can then take care of limit via lien and
Spend is your per say

Can you share the email ids?

 

[Vasuki]

Can you share the email ids?

Grievance.Redressalcc@hdfcbank.com

. .

 

[Infamous]

No
Hni program has charges
But you have to maintain base account balance that is 25k for 99% people
Or 10k

That's not the case with Wealth right?

 

[Vasuki]

That's not the case with Wealth right?

Base account you have to maintain bruh

 

[fradela]

Off topic, Have written article about Equity Mutual Funds. Suggestions are welcome.

Thread 'Building a Solid Equity Mutual Fund Portfolio'

Oct 20, 2024

Building a Solid Equity Mutual Fund Portfolio​

When it comes to investing, I firmly believe in the power of mutual funds.
They offer a practical way to grow wealth with minimal hassle, especially for those who prefer a structured, hands-off approach.

Every month, on the day my salary gets credited, I invest consistently. Here’s my approach:

• Stick to Index Funds (Passive): I only invest in passive funds, as they are low-cost and transparent.
• Direct and Growth Funds Only: This ensures that I avoid commission fees and focus on long-term capital appreciation...

• fradela
• best stocks etf portfolio invest right app account investing investment kuvera mutual funds stock market
• Replies: 37
• Forum: Mutual Fund

• 
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• 

 

[Pack_of_Cards]

Timeline for getting 5% cb please?? Nd any known eligible websites or merchants for cashback?

60 to 90 days timeline and minimum transaction shall be 1000. Most of the transactions are eligible except:

Transactions through foreign currency exchangers/money transfer merchants (electronic fund transfers, wire transfers, remittance to appointed entity), digital wallets, jewelry transactions, staged digital wallets.
Govt Taxes, Mutual fund etc., Fuel
Refer below document: