Suggestions for Savings Account with 10k AMB

[m1n8]

Please suggest the best bank among Axis, HDFC & ICICI for a regular savings account (10k AMB). These 3 are nearest for me (within 500m from home). I am looking for best overall experience among the 3 banks.

 

[BankExpertIndia]

That helps, can you decode this for me please... "Pioneer : Top Of Line Account. With Asthetics. Separate Classy Branches In Top Metro Cities. Next Level Feel"

Aesthetics, separate branches ?

Debit Card Looks Very Premium (Especially The Visa Infinite One)

Like ICICI Wealth Management... IndusInd Pioneer Has Special Branches For Pioneer Bank Customers

 

[TheTrickySid]

That helps, can you decode this for me please... "Pioneer : Top Of Line Account. With Asthetics. Separate Classy Branches In Top Metro Cities. Next Level Feel"

Aesthetics, separate branches ?

No seperate branch but some top city branches have lounge for pioneer customer only.

 

[BankExpertIndia]

No seperate branch but some top city branches have lounge for pioneer customer only.

Can Check Their Website... I Personally Went To One In Delhi

 

[Souvik]

Debit Card Looks Very Premium (Especially The Visa Infinite One)

Like ICICI Wealth Management... IndusInd Pioneer Has Special Branches For Pioneer Bank Customers

Special dedicated branches for Pioneer customers you mean ? No Tom, Dick (as in name , if you read something else its your dirty mind) and harry barging in, WOW.

 

[Vineet_]

Please suggest the best bank among Axis, HDFC & ICICI for a regular savings account (10k AMB). These 3 are nearest for me (within 500m from home). I am looking for best overall experience among the 3 banks.

After reading multiple thread in technofino still this is confusion sometimes in HDFC/ICICI/AXIS specially rural /semi urban branches affected with pre approved offers things like any credit card , loans etc. type their bank internal software some how restricting or not giving pre approved offers easily in comparison with metro urban branches tier 1/2 cities i am focusing on regular savings a/c like 10k for icici/hdfc , 12k for axis as per today condition similar reverse case rural/semiurban branches in any where PAN india i.e. HDFC/AXIS/ICICI 2500/2500/2000 MAB - that is basic need to maintain if we maintain 3x/5x of this with amount with basic usage of savings a/c then it is sufficient to triggered pre approved offer or not ? Like some body say AMB requires, some says bank internal software looking transaction pattern like icici specially including 750 CIBIL things for customer profiling for filter out pre approved offers a/c kindly clarify this small concern. @Batmanbaba @souvikdey2002 @TechnoFino @Souvik @BankExpertIndia @anirbanm

 

[Souvik]

After reading multiple thread in technofino still this is confusion sometimes in HDFC/ICICI/AXIS specially rural /semi urban branches affected with pre approved offers things like any credit card , loans etc. type their bank internal software some how restricting or not giving pre approved offers easily in comparison with metro urban branches tier 1/2 cities i am focusing on regular savings a/c like 10k for icici/hdfc , 12k for axis as per today condition similar reverse case rural/semiurban branches in any where PAN india i.e. HDFC/AXIS/ICICI 2500/2500/2000 MAB - that is basic need to maintain if we maintain 3x/5x of this with amount with basic usage of savings a/c then it is sufficient to triggered pre approved offer or not ? Like some body say AMB requires, some says bank internal software looking transaction pattern like icici specially including 750 CIBIL things for customer profiling for filter out pre approved offers a/c kindly clarify this small concern. @Batmanbaba @souvikdey2002 @TechnoFino @Souvik @BankExpertIndia @anirbanm

What kind of pre-approved offers are you looking for, CIBIL 750 is not that great

 

[Vineet_]

What kind of pre-approved offers are you looking for, CIBIL 750 is not that great

I am looking for pre approved offers for credit card specially above 3 banks my concerns is this their internal software thing for pre approved trigger is same for all branches or it varies as per branch location variants' like Metro/Urban tie1/2 cities v/s Semi urban/rural for normal savings a/c no mine a/c here 10k whatever we are maintain for but 2500 in rural this thing will work for same or some how different with location pin code variants if bank branch is there i feel they are offering most of the services like normal. If we maintain good mab or basic transaction then we can get pre approved credit cards or not ?

Or its compulsory to shift a/c to metro/urban city branch with lacs of mab.

 

[Souvik]

I am looking for pre approved offers for credit card specially above 3 banks my concerns is this their internal software thing for pre approved trigger is same for all branches or it varies as per branch location variants' like Metro/Urban tie1/2 cities v/s Semi urban/rural for normal savings a/c no mine a/c here 10k whatever we are maintain for but 2500 in rural this thing will work for same or some how different with location pin code variants if bank branch is there i feel they are offering most of the services like normal. If we maintain good mab or basic transaction then we can get pre approved credit cards or not ?

Or its compulsory to shift a/c to metro/urban city branch with lacs of mab.

Even you can try for IDFC credit cards online on their portal without a savings account and all these urban/rural considerations.

https://www.idfcfirstbank.com/credit-card/ntb-diy/apply?

Apply via Aadhar, PAN and see yourself.

 

[Souvik]

Problem is their serviceable area list is short
Even areas in Kolkata are not serviceable

I stay in not so urban area in Kolkata, its semi-rural, but I got it easily. My Aadhar address was in Bangalore but I changed my communication address during online application to the semi rural place in Kolkata. In fact branch network wise its quite less as of now I agree, but I would urge him to try once and see.

 

[Souvik]

I stay in Kudgat ... Tollygunge ... It's not serviceable 🙂

Thats surprising, as I stay in South Kolkata too but managed to get it easily.

 

[BankExpertIndia]

Special dedicated branches for Pioneer customers you mean ? No Tom, Dick (as in name , if you read something else its your dirty mind) and harry barging in, WOW.

Yes There Are Special Dedicated Branch For Pioneer Banking Customers But You Can Operate From Any Branch In The Nation

 

[TechnoFino]

After reading multiple thread in technofino still this is confusion sometimes in HDFC/ICICI/AXIS specially rural /semi urban branches affected with pre approved offers things like any credit card , loans etc. type their bank internal software some how restricting or not giving pre approved offers easily in comparison with metro urban branches tier 1/2 cities i am focusing on regular savings a/c like 10k for icici/hdfc , 12k for axis as per today condition similar reverse case rural/semiurban branches in any where PAN india i.e. HDFC/AXIS/ICICI 2500/2500/2000 MAB - that is basic need to maintain if we maintain 3x/5x of this with amount with basic usage of savings a/c then it is sufficient to triggered pre approved offer or not ? Like some body say AMB requires, some says bank internal software looking transaction pattern like icici specially including 750 CIBIL things for customer profiling for filter out pre approved offers a/c kindly clarify this small concern. @Batmanbaba @souvikdey2002 @TechnoFino @Souvik @BankExpertIndia @anirbanm

HDFC bank offer pre approved credit card very easily, PAN India... better maintain HDFC bank account and try to maintain highest possible NRV

 

[ashwink]

Even Kotak nowadays
LTF

Currently League Platinum is hot cake from kotak 😋

 

[Batmanbaba]

HDFC bank offer pre approved credit card very easily, PAN India... better maintain HDFC bank account and try to maintain highest possible NRV

I think its not for everyone.... Mine account is around 8 months old.... Have kept mab above 1 lakh... And more than 4 lakh plus transaction... But still till date only flexipay and bike loan offer... Nothing else......

 

[ashwink]

I think its not for everyone.... Mine account is around 8 months old.... Have kept mab above 1 lakh... And more than 4 lakh plus transaction... But still till date only flexipay and bike loan offer... Nothing else......

But in my case I got cc offer but I'm unable to claim that do to my age..

 

[Batmanbaba]

HDFC is not sure ...
But nowadays Kotak is giving out easily

I dont even have kotak... Account is 5 years old... Good transactions in that too