Odugu Narasimha Rao
TF Premier
hai i am going to open account with 10 L
for best credit cards please tell me which account is better
for best credit cards please tell me which account is better
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which high value account is better
- Thread starter Odugu Narasimha Rao
- Start date
SiddharthR
TF Legend
Axis Burgundy, maintain ₹10L otherwise charges will be applicable if downgraded & will be hard to get Burgundy variant again
Either go for Axis burgundy or IndusInd Pioneer. Both are equally good and have the best offers for credit cards.
IndusInd has very mediocre top end credit cards
For top end
Axis
HDFC
SC Ult (If salaried)
Citi Prestige (If you can get it)
Yeah then only Axis is left. Others aren't worthy keeping high value amount with them.
That's also true
From banking pov ICICI then Axis/HDFC then everyone else
From CC point of view Axis then HDFC and then everyone else
Odugu Narasimha Rao
TF Premier
u mean indusind bank is better for credit card pre approved offers? I think pioneer account better when compared to axis burgundy account
Souvik
TF Premier
Interesting observation, any unique features of Pioneer that makes you put it ahead of Burgundy.
I myself was fed up with Axis customer care and finally closed my previous Axis salary account and even do not want to go that way again 🙂
Souvik
TF Premier
Noted sir, I just closed my previous Axis account a month back, where they offered me to stay back, and I declined due to bad experience. My self-respect tells me not to knock that door again 🙂
However, I find IndusInd FD rates more attractive than Axis, Axis however scores better in credit cards, the recent Myzone credit card LTF offer is too good to miss.
Yeah its hard to trust the bank which gave you so many reasons to leave. Axis has this tendency. Only good for Burgundy account holders. Nothing less than that.
For FD, you should try IDFC First bank. They're offering better rate of returns. However their credit cards aren't that good.
Souvik
TF Premier
I already have IDFC Wealth account, also have a FD with them, Interest rate is 7.5 for IDFC, IndusInd, looking forward to more ROI.
I have IDFC Select CC and it is good for movies (1-1 free) and airport lounge, also its LTF, at times I do find swiggy, zomato offers too. I consider it a good card to have. IDFC Wealth CC is good.if one can get it.
Better debit card:
it’s metal
0.5% cash back
visa infinite benefits
No forex fee
BMS bogo up to 1000 better than most credit cards
higher per transaction limit up to 10L
I have also used their doorstep banking service, it’s superb, book before 11 Am and get cash delivery or pickup the same day.
Free eazydiner membership.
Higher interest rate for account balance also matters when maintaining 10L Mab.
Can add up to 10 family members it’s 3-4 for axis I think.
Lesser chance of downgrade on non maintenance of mab
Last edited:
Odugu Narasimha Rao
TF Premier
there is no charges if u not maintain the balance in pioneer account and i asked RM SHE said account will not downgrade if u not maintain the balance but burgundy not like that
IDFC don't provide credit cards based on your account variant. And ICICI credit cards are worthless. So none of these are good choices.
Idfc wealth account we can get with 10lakh and idfc private account we can get with 20lakh. Their debit cards are better than many credit cards. Both wealth and private debit cards have international lounge access. Private debit card gives 6 international lounge per quarter and 1.5% cashback on online spends which you can get on paying credit card bills too
How much mab needed with private?
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