IDFC First wealth is anytime better in that case.
Way better interest rates above 5L which is 7% currentlt if i am mot wrong whereas other banks have almost 2.5-3/3.5% slab max even upto hundreds and thousands of crores.
IDFC wealth debit card gives no nonsese clear cut domestic and international lounge for primary plus guest in domestic lounge and just primary access for international lounge
Only thing missing compared to Pioneer acc is BMS offer and metal card but again, BMS offer in Pioneer is not hassle free and always that stupid quota system.
Also for BMS icici sapphiro almost everyone has today through alumni program.
Ao metal part is the only thing which again can be solvee by using kotak infonity 811 metal. debit card 😂