Which Salary account you have and benefits you are reaping from it?

[FinCurious]

Hello Friends,

Which bank and salary account variant are you holding? And what all benefits ( Debit card, subscription, free locker etc ) are you reaping from this account.
Also plz specific your salary range to help understand the eligibility.
Salary account should be zero balance is the criteria to ensure its pure salary account.

I start with mine.

Icici Wealth Account
Salary range - 1.5lk - 2lk pm
Benefits - Free cibil, priority banking, Rubxy LTF otherwise none 🙁

 

[Anupama_Jha]

Open SBI csp account for LTF rupay select DC.

It has it's own exclusivity.

In pvt, go with axes burgundy or hdfc imperia

 

[NAB]

You already have the best.

 

[FinCurious]

Open SBI csp account for LTF rupay select DC.

It has it's own exclusivity.

In pvt, go with axes burgundy or hdfc imperia

I got the rupay select card with Jana bank exclusive account. So no use.
I am planning to get family debit card from ICICI which has lunge access for me as well as additional 2 guest are allowed.
This will help if i am traveling along with my parents who doesn't hold any premium banking cards.

 

[Desu Sarath]

ICICI WM with Sapphiro LTF.

Waiting for Emeralde LTF , currently I can get it for FYF.

 

[FinCurious]

ICICI WM with Sapphiro LTF.

Waiting for Emeralde LTF , currently I can get it for FYF.

What is your salary range to get more understanding of your relationship with ICICI?

 

[Sushil74]

Hello Friends,

Which bank and salary account variant are you holding? And what all benefits ( Debit card, subscription, free locker etc ) are you reaping from this account.
Also plz specific your salary range to help understand the eligibility.
Salary account should be zero balance is the criteria to ensure its pure salary account.

I start with mine.

Icici Wealth Account
Salary range - 1.5lk - 2lk pm
Benefits - Free cibil, priority banking, Rubxy LTF otherwise none 🙁

Axis Burgundy is best because i get Burgundy Magnus credit card

 

[Desu Sarath]

It is not only about salary range.

ICICI has seperate RM for my organisation and they did decide at what salary level what pre approved offers will be applicable.

For my organisation above 1.5 LPM sapphiro is LTF and above 2.5 LPM emerald is FYF.

 

[FinCurious]

It is not only about salary range.

ICICI has seperate RM for my organisation and they did decide at what salary level what pre approved offers will be applicable.

For my organisation above 1.5 LPM sapphiro is LTF and above 2.5 LPM emerald is FYF.

What about wealth management account any specified limit also which Debit card have you got along with it?

 

[Desu Sarath]

What about wealth management account any specified limit also which Debit card have you got along with it?

I think it's default WM and Master card world debit card with no charges for life time and no other charges at all for email/sms stuff.

 

[Swastik]

It is not only about salary range.

ICICI has seperate RM for my organisation and they did decide at what salary level what pre approved offers will be applicable.

For my organisation above 1.5 LPM sapphiro is LTF and above 2.5 LPM emerald is FYF.

What's the salary requirement for Emerald LTF in your org

 

[Swastik]

Btw I've got a Union USSA 3 account, comes with free Rupay Select Debit Card, but that's it, no benefits on credit cards or anything else

 

[vine]

Last year I went to a HDFC branch and asked to move my salary account to HDFC. I thought I will get Preferred salary account.
Spoke with 2-3 people all of them said that DC charges are applicable for a salary account. I said sh#t no.
Went home and sent emailto grievance redressal and they looped in the BM in email, then BM started groveling.
I learnt, if the branch we are dealing with is full of dimtwats, even the best salary account (on paper), will not give any benefits.

 

[Swastik]

Last year I went to a HDFC branch and asked to move my salary account to HDFC. I thought I will get Preferred salary account.
Spoke with 2-3 people all of them said that DC charges are applicable for a salary account. I said sh#t no.
Went home and sent emailto grievance redressal and they looped in the BM in email, then BM started groveling.
I learnt, if the branch we are dealing with is full of dimtwats, even the best salary account (on paper), will not give any benefits.

Preferred account get free Platinum Debit card by default

 

[vine]

Preferred account get free Platinum Debit card by default

I knew that, am pretty sure the hdfc branch people knew it too. I didn't understand what they were trying to achieve.
I am happy with my present salary account.

 

[Hell_Kitty]

Hello Friends,

Which bank and salary account variant are you holding? And what all benefits ( Debit card, subscription, free locker etc ) are you reaping from this account.
Also plz specific your salary range to help understand the eligibility.
Salary account should be zero balance is the criteria to ensure its pure salary account.

I start with mine.

Icici Wealth Account
Salary range - 1.5lk - 2lk pm
Benefits - Free cibil, priority banking, Rubxy LTF otherwise none 🙁

ICICI WM
Salary Range: >2.5L after taxes
One of the best RM I ever had. She is super helpful and responsive at the same time. She can get me Emerald PVC LTF but I'm trying for Emerald Private Metal.
LTF Sapphiro Dual Variant

If anyone crosses 3L/month after taxes best is Axis Burgandy/HSBC Premier or even SC Priority Banking for no spam investment calls.

 

[rogerthat]

HDFC Bank Preferred.

Not reaping anything.

 

[bornmonkey]

Need advice. Salary is around 2L. Currently with HSBC. 5% back on DC is super cool, but nothing beyond that. Possible to negotiate with HSBC for a Premier account? and if not, which other bank would be better?

 

[Hell_Kitty]

Need advice. Salary is around 2L. Currently with HSBC. 5% back on DC is super cool, but nothing beyond that. Possible to negotiate with HSBC for a Premier account? and if not, which other bank would be better?

No for HSBC Premier. Most banks have 3L/month after taxes to get into elite category of savings/salary account

 

[FinCurious]

Need advice. Salary is around 2L. Currently with HSBC. 5% back on DC is super cool, but nothing beyond that. Possible to negotiate with HSBC for a Premier account? and if not, which other bank would be better?

You can try SBI for rupey select debit card benefits. Or go with HDFC speçial account there also you will get some OTT subscription etc.