Suggest me a joint account for pre approved offers and rewards

[2025]

I am looking for a joint bank account with my wife. I already have accounts with SBI, HDFC, RBL, UCO, AU, Kotak, and ICICI. She has with PNB, Indian, and Kotak.

Now we want to open one/two joint account with following objectives:
1. Good mobile banking / UPI enabled in both mobile numbers.
2. Good pre approved offers of Loans and Credit Cards.
3. Issue two debit card preferably like EDC/Sig+/Millennia (for cc payment rewards) without requirement of maintaining double MAB.

Based on experiences shared in this community and my objectives, I have shortlisted a few
1. HDFC
2. RBL
3. IDFC
4. You can suggest others as well.

Please guide me based on your own experience to find best possible bank to open one/two joint account to fulfill the above mentioned objectives.

Thanks.

N.B. Though a few related threads are there but they are not exactly aligned with my stated objectives hence, creating a new. Sorry if it looks like redundant to you.

 

[kuchbhi]

Why join why not enroll her in family banking!

 

[newinnov]

HDFC, if you maintain >1L Everything is Free
IDFC, No charges for debit card, amb starts from 10K

 

[sidp]

I am looking for a joint bank account with my wife. I already have accounts with SBI, HDFC, RBL, UCO, AU, Kotak, and ICICI. She has with PNB, Indian, and Kotak.

Now we want to open one/two joint account with following objectives:
1. Good mobile banking / UPI enabled in both mobile numbers.

Idfc ,icici,yes, axis

2. Good pre approved offers of Loans and Credit Cards.

Axis, hdfc

Instead of opening joint account, you can open individual account and keep her account as primary id. Many give features/offer only to primary id. But to track expenses, joint account is the only option. 🤣

 

[2025]

Why join why not enroll her in family banking!

I don't know much abt family banking. Only thing I know is ICICI and UCO may allow me to open zero balance account for her under family banking. But their account doesn't have much benefit. ICICI provide zero rewards on their debit card. Will check with rm.

HDFC, if you maintain >1L Everything is Free
IDFC, No charges for debit card, amb starts from 10K

I don't intend to save 1L at 3% interest. That is the reason I only have 10K Amb account not upgraded to saving max account. I occasionally I get free upgrade offer to their classic and another one (I forgot the name) banking program but I doubt they might downgrade me or charges me because of non maintenance of balance in future. Their debit cards rewards (400x2) = 800 every month attract me, I already have plat dc.

Idfc ,icici,yes, axis

Axis, hdfc

Instead of opening joint account, you can open individual account and keep her account as primary id. Many give features/offer only to primary id. But to track expenses, joint account is the only option. 🤣

Tracking expanses is not an issue. Offers and benefits should be more than the cost of maintaining another account. One joint account is also a need to consolidate funds during emergency so that she can have access to those funds easily. Also in future I wish to use this account for joint demat holdings.
----------
RBL - is for their EDC/ Sig+ benifits.
IDFC - based on feedback.
HDFC - Millennia benifits
ICICI/ AU is also on list

For her to get offers should I need to put her name as 1st holder? Or joint account not at all get any offers like CC and Loan?

Thanks for your valuable suggestions.

 

[Ram1]

U can consider indusind privilege joint account
Mab 5k
U both can get delight debit card which offer 5% cashback on dining, ott, fuel

 

[kuchbhi]

I don't know much abt family banking. Only thing I know is ICICI and UCO may allow me to open zero balance account for her under family banking. But their account doesn't have much benefit. ICICI provide zero rewards on their debit card. Will check with rm.

I don't intend to save 1L at 3% interest. That is the reason I only have 10K Amb account not upgraded to saving max account. I occasionally I get free upgrade offer to their classic and another one (I forgot the name) banking program but I doubt they might downgrade me or charges me because of non maintenance of balance in future. Their debit cards rewards (400x2) = 800 every month attract me, I already have plat dc.

Tracking expanses is not an issue. Offers and benefits should be more than the cost of maintaining another account. One joint account is also a need to consolidate funds during emergency so that she can have access to those funds easily. Also in future I wish to use this account for joint demat holdings.
----------
RBL - is for their EDC/ Sig+ benifits.
IDFC - based on feedback.
HDFC - Millennia benifits
ICICI/ AU is also on list

For her to get offers should I need to put her name as 1st holder? Or joint account not at all get any offers like CC and Loan?

Thanks for your valuable suggestions.

u have account in hdfc so if you arrange an account for your wife too and link her in family banking she will also get benefit i guess

 

[newinnov]

I don't know much abt family banking. Only thing I know is ICICI and UCO may allow me to open zero balance account for her under family banking. But their account doesn't have much benefit. ICICI provide zero rewards on their debit card. Will check with rm.

I don't intend to save 1L at 3% interest. That is the reason I only have 10K Amb account not upgraded to saving max account. I occasionally I get free upgrade offer to their classic and another one (I forgot the name) banking program but I doubt they might downgrade me or charges me because of non maintenance of balance in future. Their debit cards rewards (400x2) = 800 every month attract me, I already have plat dc.

Tracking expanses is not an issue. Offers and benefits should be more than the cost of maintaining another account. One joint account is also a need to consolidate funds during emergency so that she can have access to those funds easily. Also in future I wish to use this account for joint demat holdings.
----------
RBL - is for their EDC/ Sig+ benifits.
IDFC - based on feedback.
HDFC - Millennia benifits
ICICI/ AU is also on list

For her to get offers should I need to put her name as 1st holder? Or joint account not at all get any offers like CC and Loan?

Thanks for your valuable suggestions.

In that case go to hdfc xpressways and add your wife to existing account. Yes its possible in hdfc to add second holder without visiting the branch.

 

[Mahirathore360]

IMO ICICI and Kotak are good in giving pre approved offers

 

[2025]

U can consider indusind privilege joint account
Mab 5k
U both can get delight debit card which offer 5% cashback on dining, ott, fuel

Thanks. A few members have shared their bad experiences with Indusind in other threads. Will check the ac variant.

u have account in hdfc so if you arrange an account for your wife too and link her in family banking she will also get benefit i guess

will look into it. thanks.

In that case go to hdfc xpressways and add your wife to existing account. Yes its possible in hdfc to add second holder without visiting the branch.

I did not know this. Last time I checked it offered me to open a new account. But dont know how to add member. I think even then possibly they will do vKyc for signature update. will definitely check. thank u.

IMO ICICI and Kotak are good in giving pre approved offers

Ok. ICICI is also on list only because of their generous offers, free debit card, and zero balance account under family banking. We both have opened kotak 811Super will contue that.

 

[kuchbhi]

Thanks. A few members have shared their bad experiences with Indusind in other threads. Will check the ac variant.

will look into it. thanks.

I did not know this. Last time I checked it offered me to open a new account. But dont know how to add member. I think even then possibly they will do vKyc for signature update. will definitely check. thank u.

Ok. ICICI is also on list only because of their generous offers, free debit card, and zero balance account under family banking. We both have opened kotak 811Super will contue that.

any time no problem !