which high value account is better

[Odugu Narasimha Rao]

hai i am going to open account with 10 L
for best credit cards please tell me which account is better

 

[Souvik]

That's what I told. They've even written this benefit in their wealth program brochure. But it is misleading.

I am still with IDFC due to interest rates, and the fact that its giving good interest despite not being a small finance bank. IDFC Select credit card also I often use for book my show 1-1 offer.

Bulk of my money is in HDFC Imperia and holding HDFC Regalia (DCB paid upgrade offered), but no such benefit from HDFC.

 

[jainsuk]

Account opening was simple with a 5L check. Once they help me move my demat and MF, I will provide more details of my experience.

Unfortunately, now they have started singing a different tune. The RM is saying the associated LTF CC and DC with the Burgundy account will only be processed once the required TRV is achieved in the account and not immediately. This was not what he said when I signed the forms. Looks like all banks have some or other other challenges. We need to keep minimum expectations!

 

[suhailmz]

I successfully upgraded my IDFC account to Wealth today 👏

 

[2024]

I successfully upgraded my IDFC account to Wealth today 👏

How to time taken to upgrade and how much fund required initially

 

[suhailmz]

How to time taken to upgrade and how much fund required initially

Mine got upgraded in 4 working days. 5 lakh is the requirement, however I kept more than that. Try in March, it’s easier as they need to meet year end targets I guess. Also, if u can maintain 5 lakh for a couple of months, you will surely get the upgrade.

 

[suhailmz]

Congrats! How much Initial deposit they asked?

5 lakh

Congrats! How much Initial deposit they asked?

 

[2024]

Mine got upgraded in 4 working days. 5 lakh is the requirement, however I kept more than that. Try in March, it’s easier as they need to meet year end targets I guess. Also, if u can maintain 5 lakh for a couple of months, you will surely get the upgrade.

Thanks brother

 

[2024]

Sir did you get new kit with wealth debit card etc after getting upgraded to wealth acct (how many days taken to deliver) free locker provided or not in ur branch

Thanks bro

 

[jack333]

Can anyone with idfc wealth debit card confirm if they are getting 1% online cashback on cheq app?

 

[vaibhav111vaibhav111 is verified member.]

No charges for Non maintenance of AMB for HNI programs, Classic, Imperia, Preferred

it my current imperia a/c
We observe that you have not maintained the required Average Minimum Balance in your HDFC Bank Account No XXXXXXX for one or more months since March'23. We request you to kindly maintain the necessary Average Balance in June'23 to avoid the Non-Maintenance charges.

Can you help me out here, had a word with RM she said visit branch if charge levied call RM for reversal. balance of amb for current imperial is 50k so i kept 5x over that and in past i kept nothing and there was no issue to whom should i complain to? i have wrote email through net banking mailbox will Grievance.Redressalcc@hdfcbank.com help here?

 

[Adwait]

no . i had classic account and maintained only 2-3k in it for almost 10 months. no charges were applicable. just did day to day transactions in it. now i upgraded it to preferred varient. maintain 15k since 2 months no charges . will see what happens when this quarter ends in march!!

Have they downgraded? For non maintenance of amb

 

[saucy]

That's what I told. They've even written this benefit in their wealth program brochure. But it is misleading.

Does idfc downgrade account if amb not.maintained?

 

[Pabheda]

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.

IndusInd offers same interest rate in saving account , infact it gives interest rate of 5% from 1 lakh to 5 lakh and then more , and in case of Idfc it gives 7% only after 5 lakhs

 

[Pabheda]

Does idfc downgrade account if amb not.maintained?

No they still don’t downgrade account from wealth

 

[prash1161]

Any recommendations for 3l?

 

[prash1161]

No charges if 1L not maintained, but I think you need to maintain basic MAB for that specific account variant, like 25K for Savings Max, 10K for Regular, etc & hence if balance below that basic MAB, charges will be applicable (Correct me if it's wrong)

For DC, account & card variant should match. If account variant changed, upgrade your card & you will get new card with the new account variant name and that will be free. (For Easyshop Platinum DC)

Have platinum dc
What if I get millennia in classic banking
25k mab one
Any charges?