Need help choosing bank for international debit card

@batman
Are you going to use this new account as your main primary account for all your banking related stuffs? bcoz if u are going to replace it as your primary account make sure that it is located in your vicinity…

PS: SBI doesn’t have high AMC for cards…. only issue is that their DC’s are not truly international…

@myliferockkss wrote:

@batman
Are you going to use this new account as your main primary account for all your banking related stuffs? bcoz if u are going to replace it as your primary account make sure that it is located in your vicinity…

No. The reason I want to open this account is bcz I want to do international transactions, which I am not able to do with SBI VISA card.

@batman wrote:

@myliferockkss wrote:

@batman
Are you going to use this new account as your main primary account for all your banking related stuffs? bcoz if u are going to replace it as your primary account make sure that it is located in your vicinity…

No. The reason I want to open this account is bcz I want to do international transactions, which I am not able to do with SBI VISA card.

ICICI will solve all your problems … but min bal req is 10k
overall best service , they came to my home to open acc and got DC NB MB activated on next day ….

SBI visa is a big sh*t its not acceptable even on playstore and Bing

@batman wrote:

No. The reason I want to open this account is bcz I want to do international transactions, which I am not able to do with SBI VISA card.

Ohkay got it….
U can try digisaving account which fulfills all your requirements imo…
have a look here http://www.desidime.com/forums/dost-and-dimes/t...

cc: @disclaimer

I also recommend ICICI bank… A year back when ICICI pockets was launched they were providing 0 balance pockets savings account which had similar features like their normal savings account(10k bal)
U can still open up that pockets savings account but now min balance is 5k.
It comes with ICICI Platinum DC in which u can activate International access for crosscurrency tx.

@myliferockkss
HDFC is better option I think. The only issue is min. balance 10k.

@batman wrote:

@myliferockkss
HDFC is better option I think. The only issue is min. balance 10k.

Well i opened up icici pockets savings account when it was launched…. And have been using it daily now without any issues….
Plus thing about ICICI is that all their visa/mc dcs can be activated for international transactions…. So even if u get their normal visa dc it will support intl txn. without any issues…. I also like the features they offer in their mobile app/ net banking…. Other good thing is that your pockets v.card and Pockets savings account will be linked to each other so inter transactions is awesome

With HDFC i have heard that only Platinum Chip based Dcs supports intl txn.

So do confirm about HDFC dcs bcoz i dont have personal experience with that bank

@myliferockkss wrote:

@batman wrote:

@myliferockkss
HDFC is better option I think. The only issue is min. balance 10k.

Well i opened up icici pockets savings account when it was launched…. And have been using it daily now without any issues….
Plus thing about ICICI is that all their visa/mc dcs can be activated for international transactions…. So even if u get their normal visa dc it will support intl txn. without any issues…. I also like the features they offer in their mobile app/ net banking…. Other good thing is that your pockets v.card and Pockets savings account will be linked to each other so inter transactions is awesome

With HDFC i have heard that only Platinum Chip based Dcs supports intl txn.

So do confirm about HDFC dcs bcoz i dont have personal experience with that bank

I have confirmed that their debit card supports int. tax. So i m confused between Icici and Hdfc. What do u say? Also I already have 2 sbi accounts. Does having more no of accounts create problem?

@batman wrote:
I have confirmed that their debit card supports int. tax. So i m confused between Icici and Hdfc. What do u say? Also I already have 2 sbi accounts. Does having more no of accounts create problem?

I recommend ICICI bcoz of personal experience….

And u can have as many accounts u like.. only thing u have to worry about is managing them

But according to your requirements and needs i think digisavings is enough to fulfill all that.. So why open up a account with 10k Amc

@myliferockkss wrote:

@batman wrote:
I have confirmed that their debit card supports int. tax. So i m confused between Icici and Hdfc. What do u say? Also I already have 2 sbi accounts. Does having more no of accounts create problem?

I recommend ICICI bcoz of personal experience….

And u can have as many accounts u like.. only thing u have to worry about is managing them

But according to your requirements and needs i think digisavings is enough to fulfill all that.. So why open up a account with 10k Amc

@Navneet wrote:
DigiSavings is good to pay hosting bills ???
@myliferockkss

It should work for sure bcoz they offer truly international dcs like icici….

cc: @disclaimer

@myliferockkss wrote:

@Navneet wrote:
DigiSavings is good to pay hosting bills ???
@myliferockkss

It should work for sure bcoz they offer truly international dcs like icici….

cc: @disclaimer

@Navneet wrote:
Okay thx buddy, hope it does not have minimum balance requirement

its a 0 balance account

@myliferockkss wrote:

@batman wrote:
I have confirmed that their debit card supports int. tax. So i m confused between Icici and Hdfc. What do u say? Also I already have 2 sbi accounts. Does having more no of accounts create problem?

I recommend ICICI bcoz of personal experience….

And u can have as many accounts u like.. only thing u have to worry about is managing them

But according to your requirements and needs i think digisavings is enough to fulfill all that.. So why open up a account with 10k Amc

I wish but my city is not in that list. Any solution?

@batman wrote:

I wish but my city is not in that list. Any solution?

ohh ohkay… try contacting disclaimer…. he might be able to help you with that….

For more info on icici pockets u can check this pdf
https://www.google.co.in/url?sa=t&source=web&rc...

@batman wrote:

@myliferockkss wrote:

@batman wrote:

@myliferockkss
HDFC is better option I think. The only issue is min. balance 10k.

Well i opened up icici pockets savings account when it was launched…. And have been using it daily now without any issues….
Plus thing about ICICI is that all their visa/mc dcs can be activated for international transactions…. So even if u get their normal visa dc it will support intl txn. without any issues…. I also like the features they offer in their mobile app/ net banking…. Other good thing is that your pockets v.card and Pockets savings account will be linked to each other so inter transactions is awesome

With HDFC i have heard that only Platinum Chip based Dcs supports intl txn.

So do confirm about HDFC dcs bcoz i dont have personal experience with that bank

I have confirmed that their debit card supports int. tax. So i m confused between Icici and Hdfc. What do u say? Also I already have 2 sbi accounts. Does having more no of accounts create problem?

A big no for HDFC. Go for ICICI.

@batman wrote:

@myliferockkss wrote:

@batman
Are you going to use this new account as your main primary account for all your banking related stuffs? bcoz if u are going to replace it as your primary account make sure that it is located in your vicinity…

No. The reason I want to open this account is bcz I want to do international transactions, which I am not able to do with SBI VISA card.

@myliferockkss wrote:

@Navneet wrote:
DigiSavings is good to pay hosting bills ???
@myliferockkss

It should work for sure bcoz they offer truly international dcs like icici….

cc: @disclaimer

@myliferockkss wrote:

@batman wrote:

I wish but my city is not in that list. Any solution?

ohh ohkay… try contacting disclaimer…. he might be able to help you with that….

For more info on icici pockets u can check this pdf
https://www.google.co.in/url?sa=t&source=web&rc...

@disclaimer wrote:
Can also check kotak Jifi current account. Debit card fee Rs. 200+ taxes second year onwards. No interest on balance, so can addd amount on need basis. Plus you can get GVs(amazon, flipkart, tata sky among others) upto Rs. 1800 every year on this zero balance account.

+1 to that… completely forgot about kotak… their dcs work internationally… make sure u get jifi platinum or gold chip dc @batman

@disclaimer i would have surely opened up this digisavings account if i didn’t had icici pockets savings account

@disclaimer wrote:

@batman wrote:

@myliferockkss wrote:

@batman
Are you going to use this new account as your main primary account for all your banking related stuffs? bcoz if u are going to replace it as your primary account make sure that it is located in your vicinity…

No. The reason I want to open this account is bcz I want to do international transactions, which I am not able to do with SBI VISA card.

Can also check kotak Jifi current account. Debit card fee Rs. 200+ taxes second year onwards. No interest on balance, so can addd amount on need basis. Plus you can get GVs(amazon, flipkart, tata sky among others) upto Rs. 1800 every year on this zero balance account.

@myliferockkss wrote:
@disclaimer i would have surely opened up this digisavings account if i didn’t had icici pockets savings account

That 7% pa monthly payout of interest + the current cashback offer is to entice that set of users only

@ankurg2109172 wrote:

How to free GV of 1800 worth..

Make 6 transactions worth Rs. 500 or more each using their debit card every month.

@disclaimer wrote:
That 7% monthly payout of interest + the current cashback offer is to entice that set of users only

hehe thats true

@myliferockkss wrote:

@disclaimer wrote:
That 7%PA monthly payout of interest + the current cashback offer is to entice that set of users only

hehe thats true

@disclaimer wrote:
Added PA after 7% for known reasons

@disclaimer wrote:

@ankurg2109172 wrote:

How to free GV of 1800 worth..

Make 6 transactions worth Rs. 500 or more each using their debit card every month.

i have both icici and axis bank platinum cards….. both work internationally without any hassle , but their exchange rate is higher than my local lakshmi vilas bank. for lakshmi vilas bank they ask an international limit enabling form to be filled and it works wherever icici card works. But the best card i have is the axis one as it works in every international website i tried, including paypal and a malaysian website where my other cards did not work though My earlier normal icici card (silver) did work in paypal.

@ankurg2109172 wrote:

@disclaimer wrote:

@batman wrote:

@myliferockkss wrote:

@batman
Are you going to use this new account as your main primary account for all your banking related stuffs? bcoz if u are going to replace it as your primary account make sure that it is located in your vicinity…

No. The reason I want to open this account is bcz I want to do international transactions, which I am not able to do with SBI VISA card.

Can also check kotak Jifi current account. Debit card fee Rs. 200+ taxes second year onwards. No interest on balance, so can addd amount on need basis. Plus you can get GVs(amazon, flipkart, tata sky among others) upto Rs. 1800 every year on this zero balance account.

How to free GV of 1800 worth..

off topic*
I guess i am missing too much without PAN,
how much time it takes to get PAN,n r there any possible complications due to the amount of transactions i will do(i am doing currently also,thanks to axis,edenred n now offers like udio) without any income source?

@ashu45 wrote:

is PAN needed for zero balance account opening?

off topic*
I guess i am missing too much without PAN,
how much time it takes to get PAN,n r there any possible complications due to the amount of transactions i will do(i am doing currently also,thanks to axis,edenred n now offers like udio) without any income source?

Account can be opened by filling some extra form, I think 15G/H if you don’t have PAN card, but some banks might not allow this.

No problem. And PAN is required now for wallets and prepaid cards as well if you spend more than 50000 in a FY.