thekirang
TF Select
Hi everyone,
I’m planning to optimize my bank accounts and would appreciate your suggestions.
I currently have the following accounts:
1. HDFC Basic – No MAB requirement, Platinum Debit Card *(salary not credited since 2023)*
2. HDFC Basic – ₹2.5K quarterly MAB, Millennia Debit Card
3. SBI – No MAB, my oldest account (since 2014), active salary account since 2024 ##can be change if requested to my company
4. ICICI – No MAB, auto-upgraded from Mine variant
5. AU – No MAB, Rupay Platinum Debit Card
6. Kotak – No MAB
7. Fi – No MAB
8. NSDL Jiffy – No MAB, Rupay Platinum Debit Card
9. Bank of Maharashtra – ₹1K monthly MAB, Rupay Platinum Debit Card
I'm thinking of closing the following 3 accounts, as they no longer serve any purpose for me
-NSDL Jiffy
-Fi
-Bank of Maharashtra
Your Suggestions:
- Which accounts are worth to keep , close , upgrade or open new ?
- Any hidden perks I might be missing with existing accounts?
Goal: Simplify to just 3 core accounts:
- 1 Salary Account
- 1 Savings Account (for interest) cum Spending Account (daily transactions, UPI)
- 1 Investment Account
if it helps:
- I have the IndusInd Legend Credit Card (for Indus Select benefits)
- Also using IDFC First Select Credit Card
Thanks,
I’m planning to optimize my bank accounts and would appreciate your suggestions.
I currently have the following accounts:
1. HDFC Basic – No MAB requirement, Platinum Debit Card *(salary not credited since 2023)*
2. HDFC Basic – ₹2.5K quarterly MAB, Millennia Debit Card
3. SBI – No MAB, my oldest account (since 2014), active salary account since 2024 ##can be change if requested to my company
4. ICICI – No MAB, auto-upgraded from Mine variant
5. AU – No MAB, Rupay Platinum Debit Card
6. Kotak – No MAB
7. Fi – No MAB
8. NSDL Jiffy – No MAB, Rupay Platinum Debit Card
9. Bank of Maharashtra – ₹1K monthly MAB, Rupay Platinum Debit Card
I'm thinking of closing the following 3 accounts, as they no longer serve any purpose for me
-NSDL Jiffy
-Fi
-Bank of Maharashtra
Your Suggestions:
- Which accounts are worth to keep , close , upgrade or open new ?
- Any hidden perks I might be missing with existing accounts?
Goal: Simplify to just 3 core accounts:
- 1 Salary Account
- 1 Savings Account (for interest) cum Spending Account (daily transactions, UPI)
- 1 Investment Account
if it helps:
- I have the IndusInd Legend Credit Card (for Indus Select benefits)
- Also using IDFC First Select Credit Card
Thanks,
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