Best Premium Bank for High Balance + Credit Card Access Without ITR?

[shazan_ss]

I currently maintain near ₹1 crore in my IDFC First Wealth account, mainly because of the high savings interest — 5% up to ₹5L and 7% above ₹5L. While the interest rate is great, I’m now exploring premium banking options that offer better non-monetary benefits.

Would love suggestions on which premium banking programs offer the best value beyond just interest — especially in terms of overall relationship benefits. (I have idfc wealth and icici wealth management account)

Secondly, apart from equity, FDs, and bonds, is there any safe fixed-return product I may be missing where I can park ₹10–20L? Looking for better yields than traditional FDs, without compromising on capital safety.

Lastly, despite holding a large balance, IDFC hasn’t offered me a credit card — most likely because my ITR income is zero.
I currently have an unsecured card from J&K bank (5 lac limit) Tata neu plus LTF (81k), Secured ICICI platinum (50k), secured stable money (3 lac).
Does parking funds in banks like HDFC, ICICI, Axis, etc., help in getting relationship-based or secured credit cards without ITR?
What’s the best approach for someone with good assets but no reported income?

Appreciate any insights or personal experiences!

 

[Anupama_Jha]

Yupp, u can easily get Infinia/DCB from HDFC or Burgundy/Burgundy Private from Axis Bank.

Just visit your nearest big branch and have a feel of BM. Build relation whom u find suitable and helpful

 

[shazan_ss]

Yupp, u can easily get Infinia/DCB from HDFC or Burgundy/Burgundy Private from Axis Bank.

Just visit your nearest big branch and have a feel of BM. Build relation whom u find suitable and helpful

Infinia credit card with 0 income proof?
You sure? What will be the requirment (Guess the nearest number)

 

[Z_S]

I currently maintain near ₹1 crore in my IDFC First Wealth account, mainly because of the high savings interest — 5% up to ₹5L and 7% above ₹5L. While the interest rate is great, I’m now exploring premium banking options that offer better non-monetary benefits.

Would love suggestions on which premium banking programs offer the best value beyond just interest — especially in terms of overall relationship benefits. (I have idfc wealth and icici wealth management account)

Secondly, apart from equity, FDs, and bonds, is there any safe fixed-return product I may be missing where I can park ₹10–20L? Looking for better yields than traditional FDs, without compromising on capital safety.

Lastly, despite holding a large balance, IDFC hasn’t offered me a credit card — most likely because my ITR income is zero.
I currently have an unsecured card from J&K bank (5 lac limit) Tata neu plus LTF (81k), Secured ICICI platinum (50k), secured stable money (3 lac).
Does parking funds in banks like HDFC, ICICI, Axis, etc., help in getting relationship-based or secured credit cards without ITR?
What’s the best approach for someone with good assets but no reported income?

Appreciate any insights or personal experiences!

At first stage upgrade your idfc wealth account to private account..they will easily do it and then go for other banks

 

[Trust Me]

I currently maintain near ₹1 crore in my IDFC First Wealth account, mainly because of the high savings interest — 5% up to ₹5L and 7% above ₹5L.

Puzzled! Hasn't the interest rate upto 5L been reduced gradually to be consistent with the recent trend at other banks? Currently it is just 3%.
.

 

[Anupama_Jha]

Infinia credit card with 0 income proof?
You sure? What will be the requirment (Guess the nearest number)

Either secured or un-secured. Just visit once

 

[shazan_ss]

Puzzled! Hasn't the interest rate upto 5L been reduced gradually to be consistent with the recent trend at other banks? Currently it is just 3%.
.

You're right.
I think it's due to RBI rate cuts

 

[Virtual King]

Does parking funds in banks like HDFC, ICICI, Axis, etc., help in getting relationship-based or secured credit cards without ITR?
What’s the best approach for someone with good assets but no reported income?

Some Inputs on Infinia by HDFC
Refer to the screenshots. They reflect the latest on getting Infinia. You can check if you meet these criteria.
Then you can also speak to the respective BMs of the bank branch in your area. You may get some better options.

Plus, there are multiple threads on super premium credit cards like Infinia, Amex Plat Charge, etc on this forum. You can search and then read for requisite inputs as per your requirements.

Hope this helps. 🙂

 

[shazan_ss]

Some Inputs on Infinia by HDFC
Refer to the screenshots. They reflect the latest on getting Infinia. You can check if you meet these criteria.
Then you can also speak to the respective BMs of the bank branch in your area. You may get some better options.

Plus, there are multiple threads on super premium credit cards like Infinia, Amex Plat Charge, etc on this forum. You can search and then read for requisite inputs as per your requirements.

Hope this helps. 🙂

Thank you so much sir.
But I'm not able to figure what benefits I will get from these cards.