High Interest Savings Account with low or 0 MAB with a good CC offered

[R@ndomiz€r]

Hello, I'm looking for a savings account which has high interest rate and also offers a good CC and low to minimal maintenance charges. I already have a salary account in HDFC and savings account in SBI, not interested in Axis due to poor experience of non burgundy accounts. So open to any other bank. Any suggestions would be welcome. I can maintain 10-20k MAB but need flexibility to move money if needed and hence need a low MAB account. Thanks in advance for suggestions.

 

[COSMOCRAT]

not sure whether they'll ever upgrade me to Wealth

Don't keep high hopes for IDFC CC. I have a 25k MAB wala account and parking 5L as an emergency fund there, still, they are not giving any basic CC. They are heavily pushing on their FD backed WOW card. Although can vouch for their top-notch service.

 

[Chaitanya-a]

Don't keep high hopes for IDFC CC. I have a 25k MAB wala account and parking 5L as an emergency fund there, still, they are not giving any basic CC. They are heavily pushing on their FD backed WOW card. Although can vouch for their top-notch service.

Fr. I'm their Select customer and they didn't even offered Millenia card to me. I have unsecured CCs from major banks. Still had to take IDFC WoW card coz I was doing FD there anyways.

So don't open account in IDFC for CC approval.

 

[R@ndomiz€r]

Don't keep high hopes for IDFC CC. I have a 25k MAB wala account and parking 5L as an emergency fund there, still, they are not giving any basic CC. They are heavily pushing on their FD backed WOW card. Although can vouch for their top-notch service.

Damn! That's brutal!

 

[R@ndomiz€r]

Fr. I'm their Select customer and they didn't even offered Millenia card to me. I have unsecured CCs from major banks. Still had to take IDFC WoW card coz I was doing FD there anyways.

So don't open account in IDFC for CC approval.

Wow! It's ironic on their website 9/10 individuals are eligible for Select card on C2C and they aren't offering to their existing customers. Retention ko jai siya ram aur acquisition ke liye saara taam jhaam!

 

[Chaitanya-a]

Wow! It's ironic on their website 9/10 individuals are eligible for Select card on C2C and they aren't offering to their existing customers. Retention ko jai siya ram aur acquisition ke liye saara taam jhaam!

Naam HDFC jaisa hai toh harkatein alag thodi hogi.

 

[VISHESH_BANSAL]

Naam HDFC jaisa hai toh harkatein alag thodi hogi.

Starting m ek dum alag thha.

Mne apni first ever complaint ki thhi toh mujhe samne se 500 ka AGV diya thha aur phuch thhha Aap GV lena pasand karge jaise ki m mana karduga.

Aur IDFC ko mne bhot loota hai.

IDFC first Power ke Account pe 500 ka Voucher milta hai.

Starting m Voucher nhi milte thhe.

Toh m Phle twitter pe complaint karta thha phir Call karke

Double voucher de dete thhe .
Twitter team alag kaam.karti thhi aur Call wali team alag koi co-ordination hi nhi thha

 

[Chaitanya-a]

Starting m ek dum alag thha.

Mne apni first ever complaint ki thhi toh mujhe samne se 500 ka AGV diya thha aur phuch thhha Aap GV lena pasand karge jaise ki m mana karduga.

Aur IDFC ko mne bhot loota hai.

IDFC first Power ke Account pe 500 ka Voucher milta hai.

Starting m Voucher nhi milte thhe.

Toh m Phle twitter pe complaint karta thha phir Call karke

Double voucher de dete thhe .
Twitter team alag kaam.karti thhi aur Call wali team alag koi co-ordination hi nhi thha

Saari vasooli hmse kr rha h😂

 

[Shrinit Padwal]

Starting m ek dum alag thha.

Mne apni first ever complaint ki thhi toh mujhe samne se 500 ka AGV diya thha aur phuch thhha Aap GV lena pasand karge jaise ki m mana karduga.

Aur IDFC ko mne bhot loota hai.

IDFC first Power ke Account pe 500 ka Voucher milta hai.

Starting m Voucher nhi milte thhe.

Toh m Phle twitter pe complaint karta thha phir Call karke

Double voucher de dete thhe .
Twitter team alag kaam.karti thhi aur Call wali team alag koi co-ordination hi nhi thha

Ye karlo bhai sacchi mai 🙌

 

[VISHESH_BANSAL]

Saari vasooli hmse kr rha h😂

Iss maamle m axis ne aur HDFC ke employees ne Z-Security ka course kiya hua hai.

Complaint kidhar bhi karo benift ek baar hi milega.

 

[brightknight]

Sidhi baat no bakwaas.


Open RBL Classic Savings Account.
Minimum Balance Requirement 2.5k

Take Enterprise DC.
This DC is Even Better than Axis Ace(after Devaluation) now for Utility Payments specifically.

RBL SB interest is 4.25% upto 1lakh which is higher than any other Bank

On site i read that to have cashback as voucher
We need to spend over 20k in a month. If one doesn't spend then what happens to cashback earned ?

 

[chenrichy]

Sidhi baat no bakwaas.


Open RBL Classic Savings Account.
Minimum Balance Requirement 2.5k

Take Enterprise DC.
This DC is Even Better than Axis Ace(after Devaluation) now for Utility Payments specifically.

RBL SB interest is 4.25% upto 1lakh which is higher than any other Bank

Have a query?

Whether Enterprise DC can be used as like as Signature + DC? like cc payment alone?

 

[VISHESH_BANSAL]

On site i read that to have cashback as voucher
We need to spend over 20k in a month. If one doesn't spend then what happens to cashback earned ?

Spend on eligible categories as much you can.

For completing 20k , Load Paytm wallet.

 

[VISHESH_BANSAL]

Have a query?

Whether Enterprise DC can be used as like as Signature + DC? like cc payment alone?

Yes.
infact you can use any Bank DC for CC bill payment .

 

[Chaitanya-a]

Spend on eligible categories as much you can.

For completing 20k , Load Paytm wallet.

Bhai ye paytm wallet bht chaalu h..mne baar baar Fi card se load kia 10k toh suspicious txn bolne lga tha😂

 

[chenrichy]

Yes.
infact you can use any Bank DC for CC bill payment .

Nope... asking whether do we get the GVs for RBL E-DC once completing the target spends every month? As like RBL S-DC we received 1000GV every month for spending 1L spends..

 

[VISHESH_BANSAL]

Bhai ye paytm wallet bht chaalu h..mne baar baar Fi card se load kia 10k toh suspicious txn bolne lga tha😂

Charges laga dega jald hi jis traha se Paytm ko sirf Debit Card se load karne ke liye use kiya ja raha hai sirf

Aur Bill Payment and Recharges Amazon se

 

[VISHESH_BANSAL]

Nope... asking whether do we get the GVs for RBL E-DC once completing the target spends every month? As like RBL S-DC we received 1000GV every month for spending 1L spends..

Read Tncs on website and fulfill the Same to get GV on EDC.

I will say yes or no then still you will further ask :- :are you sure ?"

Read Tncs yourself

Mehnat khud bhi karo paki pakayi kichdi chayie sabko

 

[LordVoldemort]

Wow! It's ironic on their website 9/10 individuals are eligible for Select card on C2C and they aren't offering to their existing customers. Retention ko jai siya ram aur acquisition ke liye saara taam jhaam!

You should feel happy! I'm a private customer and still not eligible for their CC

 

[karankayastha]

Open Indus Delite account. Its a zero balance account. Only few banks offers good interest rate. IDFC, RBL & IndusInd. Won't suggest RBL out of 3. Can open IDFC 10k MAB account but it's not good as compared to Indus Delite zero balance account.

If i open this account & get later link my legend credit card will my account be upgraded? & what's the savings interest in indusind & payout?

 

[Chaitanya-a]

If i open this account & get later link my legend credit card will my account be upgraded? & what's the savings interest in indusind & payout?

Yeah you can easily upgrade your account in IndusInd. Just keep 1L for sometime and send the request for Select account. They'll do it. After that send a mail to them to confirm that your select account is LTF by mentioning Legend card details.

Savings account interest rate is 4% but its not monthly payout unlike IDFC. Its on quarterly basis. That's why I prefer IDFC for keeping funds.