Which Bank should I choose as salary account ? Confused

[anshuman115]

My company has corporate relation with IDFC but I don't want to have salary account there because no good credit cards or benefits. I have their WOW card.

I have my savings account at HDFC where I am getting salary(~1L) since last 2 months.
I am not able to convert it to salary account, I visited branch once and they told you can do it from the net banking and I am not getting OTP using the online Update Employers Details page.

I got HDFC Swiggy LTF as my card, ya now I know I made a mistake of getting co-branded card first.
Also now I think getting salary account at HDFC will be of no use as I can't get any core card(Millennia) anymore, till I close this HDFC Swiggy which i just got a month ago.

Should I open any salary account at any other bank like ICICI, Axis or any other ???
I want to get few more good credit cards,
If I open ICICI, I can get APay ICICI.

Thanks.

 

[tachniki]

Also now I think getting salary account at HDFC will be of no use as I can't get any core card(Millennia) anymore, till I close this HDFC Swiggy which i just got a month ago.

Not really true. With a decent RM, it may not be tough in 2 or 3 months.

 

[tachniki]

I want to get few more good credit cards,
If I open ICICI, I can get APay ICICI.

Most people would have got that card with their Amazon buying pattern instead of bank relationship.

 

[anshuman115]

Not really true. With a decent RM, it may not be tough in 2 or 3 months.

I don't have a RM yet, I need to upgrade to classic/preferred banking to get a RM right ?
I am currently maintaining a AMB of 1L to get upgraded to classic banking.
Will wait for 1-2 months.

 

[anshuman115]

Most people would have got that card with their Amazon buying pattern instead of bank relationship.

Okay got it. Thanks
So what do you suggest ? Should I go with HDFC only ? Or should I go with ICICI to get any other good cc.
Or any other Bank ??

 

[vine]

You can definitely try for Apay ICICI credit card. BTW Amazon app will give you Apay cc even without any salary. Just use Amazon app a bit regularly.
Choose any one bank, get one or two good cards and then move your salary to another bank.
Some companies have a restriction of changing salary account only twice in a financial year. So check about that.
I suggest to start with SBI, get a good credit card , then move to HDFC, BoB, others, etc.

 

[tachniki]

I don't have a RM yet, I need to upgrade to classic/preferred banking to get a RM right ?
I am currently maintaining a AMB of 1L to get upgraded to classic banking.
Will wait for 1-2 months.

If you already maintaining amb, just ask them to upgrade. No need to wait. Raise a ticket from net banking.

Okay got it. Thanks
So what do you suggest ? Should I go with HDFC only ? Or should I go with ICICI to get any other good cc.
Or any other Bank ??

ICICI credit cards got badly devalued recently. If just for credit card, go for hdfc.

Btw, if your organisation doesn't have relationship with HDFC, they may not convert your account to salary account.

 

[anshuman115]

You can definitely try for Apay ICICI credit card. BTW Amazon app will give you Apay cc even without any salary. Just use Amazon app a bit regularly.
Choose any one bank, get one or two good cards and then move your salary to another bank.
Some companies have a restriction of changing salary account only twice in a financial year. So check about that.
I suggest to start with SBI, get a good credit card , then move to HDFC, BoB, others, etc.

Okay Thanks, I just don't want to have an account in every bank 😂, just for credit cards.
Today, after waiting for 6 months, I applied for an Apay ICICI card, but they again rejected me. In the app, it was showing "get approved within 60 seconds." I don't know what their criteria are for getting a card.
Why SBI though? I have heard their services are not good.
Also, do you have any idea how I can convert my HDFC savings to a salary account?

 

[vine]

Okay Thanks, I just don't want to have an account in every bank 😂, just for credit cards.
Today, after waiting for 6 months, I applied for an Apay ICICI card, but they again rejected me. In the app, it was showing "get approved within 60 seconds." I don't know what their criteria are for getting a card.
Why SBI though? I have heard their services are not good.
Also, do you have any idea how I can convert my HDFC savings to a salary account?

The idea is to get a salary account and then get a good credit card, then close the salary account if you don't need it, then move onto the next bank.
SBI card don't give credit cards later if you are over-leveraged, so it's better to get a good credit card and be done with SBI card.
No need to have a bank account in every bank.
You need to check if your company has a tie-up with hdfc bank, if yes , the process becomes a lot simpler. You need to Visit local branch and submit a request to convert the SB account to salary account.
I do not know if there is an online way or if customer care can do it on the phone, please check about that if it is possible.

 

[jar89]

I started my salary account with HDFC in 2015 with ~ 60K/month and it was a base account.
When my sal hit 1.25L, i got upgraded to Preferred banking and the only useful thing I did was the use of locker at 50% discount and I got the Regalia CC.
In 2022 I got DCB, my sal was 1.85 L and I got it as an upgrade by spending 5 L in 6months on regalia.
In 2024 got an account upgrade to Imperia (again using it for free locker) and got Infinia after couple of months, again as an upgrade.
The long term relation helped I think to get Infinia as my salary was only 2.7L(Need 3 L) and I did not have the CL of 8L for the upgrade. Just had spends above 8 L in 6 months.

 

[anshuman115]

The idea is to get a salary account and then get a good credit card, then close the salary account if you don't need it, then move onto the next bank.
SBI card don't give credit cards later if you are over-leveraged, so it's better to get a good credit card and be done with SBI card.
No need to have a bank account in every bank.
You need to check if your company has a tie-up with hdfc bank, if yes , the process becomes a lot simpler. You need to Visit local branch and submit a request to convert the SB account to salary account.
I do not know if there is an online way or if customer care can do it on the phone, please check about that if it is possible.

Okay, thanks. This is a great idea. Let me see if I can get a SBI Salary account.

 

[anshuman115]

I started my salary account with HDFC in 2015 with ~ 60K/month and it was a base account.
When my sal hit 1.25L, i got upgraded to Preferred banking and the only useful thing I did was the use of locker at 50% discount and I got the Regalia CC.
In 2022 I got DCB, my sal was 1.85 L and I got it as an upgrade by spending 5 L in 6months on regalia.
In 2024 got an account upgrade to Imperia (again using it for free locker) and got Infinia after couple of months, again as an upgrade.
The long term relation helped I think to get Infinia as my salary was still 2.7 L and I did not have the CL of 8L for the upgrade. Just had spends above 8 L in 6 months.

That's a great journey with HDFC to get to Infinia. So having a long-term HDFC banking relation is beneficial indeed.

 

[Vasuki]

My company has corporate relation with IDFC but I don't want to have salary account there because no good credit cards or benefits. I have their WOW card.

I have my savings account at HDFC where I am getting salary(~1L) since last 2 months.
I am not able to convert it to salary account, I visited branch once and they told you can do it from the net banking and I am not getting OTP using the online Update Employers Details page.

I got HDFC Swiggy LTF as my card, ya now I know I made a mistake of getting co-branded card first.
Also now I think getting salary account at HDFC will be of no use as I can't get any core card(Millennia) anymore, till I close this HDFC Swiggy which i just got a month ago.

Should I open any salary account at any other bank like ICICI, Axis or any other ???
I want to get few more good credit cards,
If I open ICICI, I can get APay ICICI.

Thanks.

Go with icici

 

[vega]

Go with icici

Benefits of icici?

 

[Vasuki]

Benefits of icici?

No expectations

Credit card in few months
Either pre approved or by slary slips
Good l.e
Which helps in getting other bank cards indirectly

 

[anshuman115]

No expectations

Credit card in few months
Either pre approved or by slary slips
Good l.e
Which helps in getting other bank cards indirectly

Along with opening a salary account at ICICI, Can I get any LTF CC along with it ?
I also need APay CC, I got rejected when I applied through Amazon app.

What are you views about Axis Priority Salary account. Its also an option for me.

 

[Vasuki]

Along with opening a salary account at ICICI, Can I get any LTF CC along with it ?
I also need APay CC, I got rejected when I applied through Amazon app.

What are you views about Axis Priority Salary account. Its also an option for me.

Icici are mostly ltf

Once u have any normal icici card u can get apay by C2C

Within a day


Axis is also good you can go with them too
No problem.

 

[anshuman115]

Icici are mostly ltf

Once u have any normal icici card u can get apay by C2C

Within a day


Axis is also good you can go with them too
No problem.

I tried opening ICICI Salary account online but its asking for organization name, but my organisation has tie up only with IDFC.

So, I won't be able to open salary account anywhere else ??
Should I visit branch ?

 

[Vasuki]

I tried opening ICICI Salary account online but its asking for organization name, but my organisation has tie up only with IDFC.

So, I won't be able to open salary account anywhere else ??
Should I visit branch ?

Just visit branch & open it

Organization tie = they visit & do at your office


Idfc salary account= zero benefits

Their account and cc are not even connected 🤣
More like sbi cards and sbi bank
Different entity

 

[anshuman115]

Just visit branch & open it

Organization tie = they visit & do at your office


Idfc salary account= zero benefits

Their account and cc are not even connected 🤣
More like sbi cards and sbi bank
Different entity

Okay will visit the branch then.
I am also not interested in opening in IDFC.

Let me share what I got from my office regarding IDFC Salary account benefits.
May be helpful to someone.