Shifting my salary account

[nikhilk21]

Hello everyone. Need some advice on how I can best leverage my salary to get good cards and offers.

I have a salary account with ICICI, 10+ years old. Current salary credit is 2L+. I also have an ongoing plot loan of ~30L with them. I approached my RM recently requesting for Saphiro LTF. Although she promised she could get me that basis my salary and long relationship, she wasted two weeks to tell me I could get only Coral LTF, which I myself can see on the app.

Now, I'm thinking of other options.

1. HDFC - I have RegGold (paid) with 3L+ limit. Spent ~5L on it in the last 6 months. What should I ask for? LE and LTF? Who should I mail to shift my salary account?

2. Axis - I have Atlas (paid) with 2.5L+ limit which I got last month only. Spent ~3.5L on it so far. Should I ask for LE and LTF? Who should I mail?

I want to categorically state that I'm willing to shift my salary account if they give me what I want. Also, anyone thinks I should stick to ICICI and try again through mail?

 

[R_A_J]

You might try for Saphiro LTF through alumni or corporate (selected) route...... Also, last i know, RM could also get it LTF if net salary is 2L+ for any/most of the corporates, dont know if its changed or why she couldnt get it approved.

Salary account: HDFC and Axis both are decent, depends on what you aiming for. HDFC gives RG LTF for salary accounts with some criteria, not wsure if they will easily convert your old RG into LTF...... Axis - they give Burgundy salary account for limited corporates on relaxed criteria of 2L, you can check with them if your company is listed.
persoanally speaking - I would have gone for HDFC over Axis (personal biases) even if they dont convert into LTF now

 

[fradela]

Better go with PSU's and transfer you loan too and LTF RSDC and RSCC.

Interest rate would be less compare to private banks.

ICICI salary account is waste.