Salary account suggestions

[rohanrs]

Axis priority salary account or HDFC premium salary account.

Which one is better?

My in hand salary is around 80-90k monthly.

If you can suggest some other bank salary account for my salary bracket i am open to that as well.

Thanks!

 

[Anindya98]

Axis priority salary account or HDFC premium salary account.

Which one is better?

HDFC will be better in regards to good CC and less devaluation, unlike Axis.

If you can suggest some other bank salary account for my salary bracket i am open to that as well.

ICICI WM Salary Account

 

[soumik123]

Except for ease of getting free premium credit card/debt card are there any other benefit one gets out of having salary account in a particular bank? Does one get better loan rate or easier processing? Easy/preferential access and free bank transfer should be most important.

 

[kjs]

Except for ease of getting free premium credit card/debt card are there any other benefit one gets out of having salary account in a particular bank? Does one get better loan rate or easier processing? Easy/preferential access and free bank transfer should be most important.

Loan rate of interest is purely based on cibil now rather than which account variant you have. Open the bank account which is closest to your home so u can visit in can of any urgent work.

Yes just free transfers neft, imps and free debit cards dont expect much , ideally dont go into so much details about banking programs or accounts its waste of time and stay away fro RM' s unless u want to get done something through them

 

[soumik123]

Loan rate of interest is purely based on cibil now rather than which account variant you have. Open the bank account which is closest to your home so u can visit in can of any urgent work.

Yes just free transfers neft, imps and free debit cards dont expect much , ideally dont go into so much details about banking programs or accounts its waste of time and stay away fro RM' s unless u want to get done something through them

Agree with the RM part really, I mostly save their number so that I do not pick it up and get bombarded with investment options ... in that way, citibank was better ...citi RM never used to pester me ....the current axis one also has now cooled down after I had a good talk with him on the topic

 

[kjs]

Agree with the RM part really, I mostly save their number so that I do not pick it up and get bombarded with investment options ... in that way, citibank was better ...citi RM never used to pester me ....the current axis one also has now cooled down after I had a good talk with him on the topic

Ohh thats good in a way.. Personally i chose bank closest to me. Currently 5 big banks hdfc, icici,sbi ,boi,bob are just 200m from my home. But service wise Sbi is better then hdfc then ICICI. Bob and boi did not visit as i dont have account.
Private banks only for decent offers ,card offerings above avg mobile banking apps. For loans i prefer psu anytime

 

[Anindya98]

Except for ease of getting free premium credit card/debt card are there any other benefit one gets out of having salary account in a particular bank?

Help you to negotiate and you can get a premium/HNI account at 0 MAB

Does one get better loan rate or easier processing?

Yes, you can negotiate lower rates and they don't usually charge processing fees.

 

[Nemil]

I've had ICICI salary a/c for a decade, and they are the best. You can go with them without any second thoughts.