Standard chartered savings a/c

[irohitpragya]

Hello,

I thinking to open a standard chartered Bank account.

1. Credit card offer
2. Cashback Debit Card

But don't want to maintain 25k because it is better to go with idfc or hdfc at this AMB.

I saw digital savings a/c and 2 in 1 account in their SoC but branch refused.

Anyone have more information.

 

[CardGame]

Yes. Received Titanium Super Value card LTF with a limit of 5 lakhs in about 3 weeks of account opening. Comes with a Priority Pass that allows 12 international visits per year for Priority clients as well. The application was initially denied but the branch manager took special approval as promised.

Pre-approved application denied? U deposited 50L with them right?

 

[Lobogris]

Pre-approved application denied? U deposited 50L with them right?

Yes, I deposited 50 lakhs split among FDs. It wasn't pre approved. They simply applied for me in a regular application manner after asking for details from me. I received email about submission and then denial a couple of days later. BM said not to worry. I had my doubts but a week later, it was approved.

First email:

Dear XX, Thank you for applying for a Standard Chartered Credit Card. Your Credit card application reference no: IN2023102100xxx has been declined for not meeting bank policies. We apologise for any inconvenience caused in this regard.| This is a computer-generated message and does not require a signature. Second email a week later: Dear XX, We are pleased to inform you that your Standard Chartered Credit Card has been activated and your Credit Card account number is XXXXXXXXXXXX08XX . Thank you for applying for Standard Chartered Credit Card.

 

[Lobogris]

Pre-approved application denied? U deposited 50L with them right?

See above for emails.

 

[CardGame]

Yes, I deposited 50 lakhs split among FDs. It wasn't pre approved. They simply applied for me in a regular application manner after asking for details from me. I received email about submission and then denial a couple of days later. BM said not to worry. I had my doubts but a week later, it was approved.

Ah ok. But getting that card LTF was not that easy. You killed it with your negotiation skills 🎉

 

[CardGame]

See above for emails.

Yea read them all but didn't know whether urs was pre-approved or not. Thanks for clarifying

 

[Lobogris]

Ah ok. But getting that card LTF was not that easy. You killed it with your negotiation skills 🎉

I tried applying for their Smartcard online, paid Rs1 but it was declined. The BM has promised it next week.

 

[CardGame]

I tried applying for their Smartcard online, paid Rs1 but it was declined. The BM has promised it next week.

You are still new that's why they even reject your 2nd card application probably. But yea your BM will take care of your applications.

 

[Lobogris]

You are still new that's why they even reject your 2nd card application probably. But yea your BM will take care of your applications.

On this forum, several people had explained how they got their second card instantly.

 

[CardGame]

On this forum, several people had explained how they got their second card instantly.

Yea they don't reject the 2nd and 3rd cards that easily. But for u, they did maybe because you are still new as a 1st card holder and did not complete 3 or 6 months as existing user

 

[REGIUS24]

you are a good question.
but if you will see SOC of SCB account variants: 25K MAB aXcess Plus account is also eligible for Prime Cashback debit card, so we do not have to fear. thinking that cashback debit card is only for 2L MAB Prime Savings Account, it is eligible for aXcess plus sba holders too

hi technofino prakash, would you please confirm the eligibility once again.. I have axcess Plus account for last 6 months but was denied the Prime Cashback debit card. according to my RM, it's for 2 LAC MAB account holders only.
i was aiming for an upgrade to the ultimate credit card from my cashback card by different means but I was unsuccessful..recently heard from this forum only that cashback debit card rewards were downgraded.

can some one clarify..please??

also if anyone know the advantages of 3 in one account in SCB? as my RM suggested 3in1 account(999+GST PER ANNUM) facilitates maintaining a SAVINGS account with 5k MAB instead of 25k MAB.

 

[Lobogris]

hi technofino prakash, would you please confirm the eligibility once again.. I have axcess Plus account for last 6 months but was denied the Prime Cashback debit card. according to my RM, it's for 2 LAC MAB account holders only.
i was aiming for an upgrade to the ultimate credit card from my cashback card by different means but I was unsuccessful..recently heard from this forum only that cashback debit card rewards were downgraded.

can some one clarify..please??

No SC debit card is providing 5% cashback anymore.

 

[CardSeeker]

No SC debit card is providing 5% cashback anymore.

This Month We Can Get Clarity

 

[pprakash11]

hi technofino prakash, would you please confirm the eligibility once again.. I have axcess Plus account for last 6 months but was denied the Prime Cashback debit card. according to my RM, it's for 2 LAC MAB account holders only.

Obviously it's for 2 LAC MAB account only.

i was aiming for an upgrade to the ultimate credit card from my cashback card by different means but I was unsuccessful..recently heard from this forum only that cashback debit card rewards were downgraded.

can some one clarify..please??

Yes cashback debit card is now downgraded from Feb 1, 2024. Now cashback will not be credited and instead reward points will be credited that too useless.

also if anyone know the advantages of 3 in one account in SCB? as my RM suggested 3in1 account(999+GST PER ANNUM) facilitates maintaining a SAVINGS account with 5k MAB instead of 25k MAB.

No idea

 

[sujayghosh]

If one decides to go for a MNC bank account as the secondary account, which one is preferable? Not too brothered about offers but reliability (support, stability, good app, no account freeze incidents).

I hold a Standard Chartered credit card and the branch also is nearby. How are they in terms of support? Do they offer zero savings AMB in any account if we create a FD?