Best Salary acc 2025 for 2.5L net salary credit

[Shreyas111]

Hi All
I'm switching companies and wanted some help on choosing a good bank account for my salary credit (~2.5L).

My main requirements are getting a CC that gives good overall returns. Spends are mainly on Food, entertainment, Travel and online shopping.

My Current CC Portfolio:

• AMEX MRCC
• HDFC Swiggy
• HDFC Millenia (planning to close soon)
• IDFC First Wealth CC
• ICICI Amazon Pay
• Axis Airtel Rupay

I also have the below accounts (Thanks to this forum for tricks to get this)

• IDFC first Wealth
• HDFC Preferred
• Axis Burgundy
• Indusind Pioneer

I was thinking of opening an ICICI salary acc if i'm able to get an EPM. But am conflicted with opening a HSBC Salary acc and potentially convincing them for an upgrade to premier. Please help 🙏

 

[sourpai]

Axis Atlas is straight simple answer for your requirements… EPM is fine too, but they are fairly strict with 3L per month salary credit requirements

 

[cardio_guycardio_guy is verified member.]

In my opinion, convincing ICICI for EPM would be easier than convincing HSBC for premier.
HSBC doesnt even consider 2.99L for premier. But with ICICI many people have got it for 2.4L salary + a high TRV with ICICI.

 

[Avinash.Mishra]

I missed the chance to get EPM as I getting paid variant and I was trying to get LTF but now after launch of iShop EPM has become more difficult to get than Infinia

 

[shashank08]

In my opinion, convincing ICICI for EPM would be easier than convincing HSBC for premier.
HSBC doesnt even consider 2.99L for premier. But with ICICI many people have got it for 2.4L salary + a high TRV with ICICI.

Completely agree with this for HSBC premier..
I opened HSBC premier salary in May. My salary was not 3L but had salary hike so from July onwards it was supposed to be more than 3L.

So HSBC asked for salary slip and appraisal letter and then after confirming that salary is going to be more than 3L after hike account was opened.
Otherwise HSBC didn't buzz even with 2.88L.

 

[sourpai]

I missed the chance to get EPM as I getting paid variant and I was trying to get LTF but now after launch of iShop EPM has become more difficult to get than Infinia

Getting EPM is easier than Infinia. With > 3L net salary credit you will easily get EPM, but you won't get Infinia. Also, currently spend based upgrades to Infinia are also paused

 

[Avinash.Mishra]

Getting EPM is easier than Infinia. With > 3L net salary credit you will easily get EPM, but you won't get Infinia. Also, currently spend based upgrades to Infinia are also paused

Getting Infinia with TRV/NRV is easy now but for EPM salary is a mandatory criteria

 

[sourpai]

Getting Infinia with TRV/NRV is easy now but for EPM salary is a mandatory criteria

Getting EPM with that much TRV/NRV is also easy if you negotiate beforehand

 

[Shreyas111]

In my opinion, convincing ICICI for EPM would be easier than convincing HSBC for premier.
HSBC doesnt even consider 2.99L for premier. But with ICICI many people have got it for 2.4L salary + a high TRV with ICICI.

Completely agree with this for HSBC premier..
I opened HSBC premier salary in May. My salary was not 3L but had salary hike so from July onwards it was supposed to be more than 3L.

So HSBC asked for salary slip and appraisal letter and then after confirming that salary is going to be more than 3L after hike account was opened.
Otherwise HSBC didn't buzz even with 2.88L.

I spoke to a sales person from HSBC. He was willing to get me HSBC premier for a salary of ~2.75+ on a condition that the company will be onboarded into HSBC (basically should not already have a tie up with HSBC). He was also willing to get me a HSBC premier CC as LTF with no joining fees

I will keep you all updated with how the talks go with ICICI

 

[Shreyas111]

I spoke to a sales person from HSBC. He was willing to get me HSBC premier for a salary of ~2.75+ on a condition that the company will be onboarded into HSBC (basically should not already have a tie up with HSBC). He was also willing to get me a HSBC premier CC as LTF with no joining fees

I will keep you all updated with how the talks go with ICICI

Update on talks with ICICI, The ICICI person told me that i required a 6L net salary for a EPM, I called his bluff immediately. He said he will check and get back to me. He has not called me back in a week. Looks like I will have to ask you all to share a RM who can get me a EPM at my salary

 

[Avinash.Mishra]

Update on talks with ICICI, The ICICI person told me that i required a 6L net salary for a EPM, I called his bluff immediately. He said he will check and get back to me. He has not called me back in a week. Looks like I will have to ask you all to share a RM who can get me a EPM at my salary

6L net salary seriously what a joke

 

[cardio_guycardio_guy is verified member.]

Update on talks with ICICI, The ICICI person told me that i required a 6L net salary for a EPM, I called his bluff immediately. He said he will check and get back to me. He has not called me back in a week. Looks like I will have to ask you all to share a RM who can get me a EPM at my salary

The problem with ICICI is many RMs don't even know how to apply for this card and what is the process involved. You just need to get a specialist RM who knows the process of credit cards in and out. It is a big ocean and lakhs of clueless RMs are there. They may only know one or two products that they sell everyday. Apart from that, they won't know other products. A RM who sells loans will not know credit cards and vice versa. This is the sad reality of big banks. In almost all banks it is the same.

 

[Amit_1]

I spoke to a sales person from HSBC. He was willing to get me HSBC premier for a salary of ~2.75+ on a condition that the company will be onboarded into HSBC (basically should not already have a tie up with HSBC). He was also willing to get me a HSBC premier CC as LTF with no joining fees

I will keep you all updated with how the talks go with ICICI

I spoke yesterday with the HSBC RM about premier, she stated Premier Card is LTF with Premier Account

 

[shashank08]

I spoke yesterday with the HSBC RM about premier, she stated Premier Card is LTF with Premier Account

Without joining fee?

 

[Avinash.Mishra]

Without joining fee?

HSBC Premier is LTF for Premier accounts as long you maintain the status but you need to pay the joining fees but i have come across cases where they have waived off joining fees also

 

[shashank08]

HSBC Premier is LTF for Premier accounts as long you maintain the status but you need to pay the joining fees but i have come across cases where they have waived off joining fees also

any reference you have which can be given to HSBC to show that even without Joining fee HSBC premier CC was offered?

my RM is saying that it is not possible at all.

 

[cardio_guycardio_guy is verified member.]

I have the following with 2L salary -

HDFC Preferred - I am trying to get Regalia Gold, but since the account is relatively new and I have cobranded cards earlier it is difficult to get core card. I took Paytm freedom in June but I need to wait for some 3 months to get RG. (DCBM and Infinia is out of reach for me)

ICICI Previlege - I took it to get started on ICICI journey. EPVC LTF is fine for me, I am not looking for EPM. + An upgrade to WM account. None of these are working now. For WM they are asking for 3L salary credit and EPM is out of reach with 2L salary. So it's just hanging around there.

Axis - I got Atlas without banking relation. I am not looking forward to anything more with Axis. Due to our company corporate tie-up, I can get burgundy salary account but I am not going for it. Atlas is enough.

HSBC - Earlier I had their normal salary account (Employee Banking Solutions). But their processes are very slow, and app and website is difficult for me to operate. So I closed that account. Premier is out of reach, it needs 3L salary.

SBI - This is my personal account, it is in silver category and I have Pragati debit card. I am not looking to upgrade this account.

DBS Treasues - I could have tried this, but not so great offerings, and their presence is very limited. If they are not reliable it will be difficult for me. So I didn't explore that much.

Of all these I feel HDFC is somewhat better, atleast you know what's there and how bad it can be. Known devil is better than unknown angel. Maybe next best is ICICI. Other than these 2, I haven't gone deep into others.

 

[Avinash.Mishra]

any reference you have which can be given to HSBC to show that even without Joining fee HSBC premier CC was offered?

my RM is saying that it is not possible at all.

I have not checked with my RM but i had read in forum couple of posts where people had mentioned that they got it without joining fees

 

[prashu]

Hi All
I'm switching companies and wanted some help on choosing a good bank account for my salary credit (~2.5L).

My main requirements are getting a CC that gives good overall returns. Spends are mainly on Food, entertainment, Travel and online shopping.

My Current CC Portfolio:

• AMEX MRCC
• HDFC Swiggy
• HDFC Millenia (planning to close soon)
• IDFC First Wealth CC
• ICICI Amazon Pay
• Axis Airtel Rupay

I also have the below accounts (Thanks to this forum for tricks to get this)

• IDFC first Wealth
• HDFC Preferred
• Axis Burgundy
• Indusind Pioneer

I was thinking of opening an ICICI salary acc if i'm able to get an EPM. But am conflicted with opening a HSBC Salary acc and potentially convincing them for an upgrade to premier. Please help 🙏

Which technology you are working in ?

 

[Amit_1]

Without joining fee?

will check with her for the joining fee, as lastly she said it's free until Preimier status is maintained