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Best Govt & Private Bank

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Juniper

I have SBI & HDFC bank account. Want to open one govt & one private account. Suggest one govt & one private banks account.

You must write down minimum 5 points why do you recommend it. Exclude any neo bank.

A list of pros and cons is value addition.

@guest_999

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Par_ wrote:

ICICI cannot beat HDFC in customer support online or offline.
I am using HDFC for last 13yr and ICICI for 8yr. and used both account in multiple city. HDFC staff found very cooperative in any branch most of the time. and ICICI found uncooperative most of the time.
IDFC support is also good in private.

For public bank, choose bank which has branch near to you.

ICICI is my primary acct for last 23 years and I have so far shifted to 4 different cities.
In all these years, I had to visit the branch only 8-10 times, incl once for demo 500/1000 change and 3 times for address change. Otherwise, everything is possible through their website. 
Their mobile app is trash though. 

Finance Ninja Finance Ninja
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vkrmjeet wrote:

no bro , didn’t get any kind of mail.
people on dd were saying the same.

MAB requirement depends upon branch if ur branch is semi urban or rural u have to maintain as per that.

There is no specific option in app to check that.

My branch is Semi-Urban but they have verbally asked me to maintain Metro city requirements.

HDFC 10k account I got for 5k MAB and they occasionally send emails about it.

How do I confirm about Axis 😅

Hotshot Hotshot
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xxxyyyzzz wrote:

My branch is Semi-Urban but they have verbally asked me to maintain Metro city requirements.

HDFC 10k account I got for 5k MAB and they occasionally send emails about it.

How do I confirm about Axis 😅

tell me IFSC code of your branch , i will ask and revert here. If you had opened account online then it was easy they show you few branches nearest to you and you can choose and they show mab requirements there but for offline either u have to take their word or confirm from cc.
i will try to ask cc.

Finance Ninja Finance Ninja
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vkrmjeet wrote:

tell me IFSC code of your branch , i will ask and revert here.

UTIB0003597


karma given

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vkrmjeet wrote:

1. Axis edge rewards points are settled within a week or so in debit cards.
2. i don’t know if there is any limit like hdfc (they credit after 90 days) i have earned 5k+ reward points equivalent to 1000+ within a month and can redeem for vouchers.
3. Their app and internet banking is decent.
4. For me support was good never visited branch.
5. you get special rewards page where you can see which transaction earned how much rewards and which earned 0 unlike many other banks.
6. good offers on purchases.
7. they have their own portal similar to smartbuy.

near 99.9 % uptime for upi transactions. 

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xxxyyyzzz wrote:

UTIB0003597


karma given

its metropolitan


38 WESTERN REGION MAHARASHTRA PUNE PUNE (M CORP.) PRIVATE SECTOR BANKS AXIS BANK LIMITED Blueridge Hinjewadi 6363463 6200019 Metropolitan 30-JUN-2017 C Hinjewadi Phase II Road Ground floor, Shop no.3 (35), Blueridge, Hinj Pune, , , Infotech Park, 411057 Branch

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xxxyyyzzz wrote:

UTIB0003597


karma given

i think your branch is urban only according to the initial funding amount, initial funding amount is less for semi-urban/rural areas.
Axis is considering ur area as urban .

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vkrmjeet wrote:

i think your branch is urban only according to the initial funding amount, initial funding amount is less for semi-urban/rural areas.
Axis is considering ur area as urban .

I find it strange.

I also have an account in HDFC, which is beside Axis Branch.
HDFC considers it as Semi-Urban 😏

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xxxyyyzzz wrote:

I find it strange.

I also have an account in HDFC, which is beside Axis Branch.
HDFC considers it as Semi-Urban 😏

I guess Axis is more greedy joy

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vkrmjeet wrote:

I guess Axis is more greedy joy

Their services are very poor and not in order. I am only able to use a savings account using the mobile app.

Netbanking isn’t working for me.
I think they bribing RBI very hard, else Abhi take ban ho gaya hota

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xxxyyyzzz wrote:

Their services are very poor and not in order. I am only able to use a savings account using the mobile app.

Netbanking isn’t working for me.
I think they bribing RBI very hard, else Abhi take ban ho gaya hota

I guess i am just new to Axis joy joy
will be one of anti axis guy in few months after hearing all of u.

3 months were smooth let us see.

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Juniper wrote:

Can you write 5 points in your justification!?

That was just a question bro joy🤣

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Juniper wrote:

Can you write 5 points in your justification!?

Spoken like a professor Juniper

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vkrmjeet wrote:

1. Axis edge rewards points are settled within a week or so in debit cards.
2. i don’t know if there is any limit like hdfc (they credit after 90 days) i have earned 5k+ reward points equivalent to 1000+ within a month and can redeem for vouchers.
3. Their app and internet banking is decent.
4. For me support was good never visited branch.
5. you get special rewards page where you can see which transaction earned how much rewards and which earned 0 unlike many other banks.
6. good offers on purchases.
7. they have their own portal similar to smartbuy.

1. How much edge points per 100₹ spend? Redemption Options and ROI % ?
2. Do they provide account number choice (like 1st 4 digits fix followed by say mobile number, like HDFC) ?
3. Do they provide free Debit card like HDFC (no issuing & annual fees) ?
4. Basic services such as NEFT RTGS  cheqbook etc are free?
5. Why do you think remaining 80-90% dimers have negative feedback about Axis Bank ?

Thanks for your answer, really appreciate it! @xxxyyyzzz @Bk100

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MrKool_JJ wrote:

That was just a question bro joy🤣

No I’m serious. If you have some points to contribute, please do.

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BOB
1) nice credit cards
2) 2 rupay platinum DC (one virtual free)
3) app itself has everything
4) more connectivity abroad
5) Only decent PSB apart from SBI

ICICI
1) customer centric
2) evergreen offers
3) Many things can be done without branch visit
4) makes a good salary account
5) makes a good trading demat combo

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Juniper wrote:

1. How much edge points per 100₹ spend? Redemption Options and ROI % ?
2. Do they provide account number choice (like 1st 4 digits fix followed by say mobile number, like HDFC) ?
3. Do they provide free Debit card like HDFC (no issuing & annual fees) ?
4. Basic services such as NEFT RTGS  cheqbook etc are free?
5. Why do you think remaining 80-90% dimers have negative feedback about Axis Bank ?

Thanks for your answer, really appreciate it! @xxxyyyzzz @Bk100

1. ROI is flat 0.3% for my card but as i said before , it is settled within a week and don’t have much restrictions. I have kotak 811 and i get rewards when i add money there. 150*3= 450rs.(i can add max 50k,3transactions) .It don’t have 10k limit like SBI. i get rewards even on paytm add money. i found it much better than hdfc as i can see transactions where i got rewards where i didn’t.I can pay credit card bills from there when i don’t have other options and that too unlimited rewards.

2. i opened account online don’t have much information on it.

3. On my account i paid 590 and received 500rs back in form of reward points.

4. only imps is paid others are free.

5. I can’t generalize other people experinces they may have their own set of experinces with Axis.

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decideaim wrote:

BOB
1) nice credit cards
2) 2 rupay platinum DC (one virtual free)
3) app itself has everything
4) more connectivity abroad
5) Only decent PSB apart from SBI

ICICI
1) customer centric
2) evergreen offers
3) Many things can be done without branch visit
4) makes a good salary account
5) makes a good trading demat combo

can i get rupay platinum in any of their b3 variants which i can open online ?

Finance Ninja Finance Ninja
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decideaim wrote:

BOB
1) nice credit cards
2) 2 rupay platinum DC (one virtual free)
3) app itself has everything
4) more connectivity abroad
5) Only decent PSB apart from SBI

ICICI
1) customer centric
2) evergreen offers
3) Many things can be done without branch visit
4) makes a good salary account
5) makes a good trading demat combo

BoB
1. Nice cards that sometimes won’t work at night.

3. App has everything but many features won’t work at night. Even the statement view won’t work joy

Rest agreed

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vkrmjeet wrote:

1. ROI is flat 0.3% for my card but as i said before , it is settled within a week and don’t have much restrictions. I have kotak 811 and i get rewards when i add money there. 150*3= 450rs.(i can add max 50k,3transactions) .It don’t have 10k limit like SBI. i get rewards even on paytm add money. i found it much better than hdfc as i can see transactions where i got rewards where i didn’t.I can pay credit card bills from there when i don’t have other options and that too unlimited rewards.

2. i opened account online don’t have much information on it.

3. On my account i paid 590 and received 500rs back in form of reward points.

4. only imps is paid others are free.

5. I can’t generalize other people experinces they may have their own set of experinces with Axis.

Thanks for your answer!

1. In first answer you mentioned you earned 5k points equivalent to 1k₹. This 0.5% reward rate for debit card. But later you said 0.3% flat.

2. If you can confirm from CC/RM if a/c number choice is available, also in which varient.

3. You paid 590(-500) 90₹ for debit card. And 500 points= 166₹, hence almost 250₹/pa debit card cost.

4. Cheqbook also free?
5. Redemption Options for (edge) reward points?

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There is nothing like best. But in my experience 

govt. banks experience mostly depends on service staff there. Majority over 45 age show and tell you all the rules they learnt until that time, provided they know you have some political or money background. Mostly serves the rural and their attitude matches to them. However the banks do good when they are in tier1 & tier2. Staff mostly are well mannered. The only problem is they may insist on physical visit and ask hell lot of documents for almost everything. We dont get the feeling of being settled. They have unions and job security.

on the other hand pvt. banks

They are well mannered and have target of other products. They keep mining your accounts and keep bothering if they find you suit their targets. The service they offer in this case is good. If you dont fit in their target requirements, you may see little dip in their service. Well mannered 90% of time. Dont need to visit branch and everthing over phone and online. Lack of job security is another reason, i feel we get good service.

I have dealt with sbi, iob, central bank, union bank, icici and hdfc.

Out of all i find sbi better in PSU.

Icici is good  hdfc better.

Now a days all banks have contract employees for non banking related products and fds ( both private and public) they bother too much in sbi and icici the moment we enter in tier 1 cities.

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Juniper wrote:

Thanks for your answer!

1. In first answer you mentioned you earned 5k points equivalent to 1k₹. This 0.5% reward rate for debit card. But later you said 0.3% flat.

2. If you can confirm from CC/RM if a/c number choice is available, also in which varient.

3. You paid 590(-500) 90₹ for debit card. And 500 points= 166₹, hence almost 250₹/pa debit card cost.

4. Cheqbook also free?
5. Redemption Options for (edge) reward points?

arey bro
1. we get 0.30 paisa on 100rs (transaction amount i mentioned).
1 point = 0.20 paisa but this really doesn’t matter main thing is 30 paisa on 100rs.
i get 3 reward points per 200.
I have online rewards debit card which is default for axis ASAP.

2. i don’t have RM on my account it is just a basic account.

3. i got 2500 reward points = 500rs
1 rewardpoint = 0.20 paisa.

4. Cheque book didn’t receive at all but it is showing free for me to apply in Internet banking.

5. amazon gv / flipkart gv and almost every other voucher but no statement credit.

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prem4998 wrote:

BoB
1. Nice cards that sometimes won’t work at night.

3. App has everything but many features won’t work at night. Even the statement view won’t work joy

Rest agreed

1. How much reward points per 100₹ spend? Redemption Options and ROI % ?
2. Does BoB provide account number choice (like 1st 4 digits fix followed by say mobile number, like HDFC) ?
3. Do they provide free Debit card like HDFC (no issuing & annual fees) ?
4. Basic services such as NEFT RTGS  cheqbook etc are free?

Thanks for your answer, really appreciate it!

Mobile Guru Mobile Guru
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Juniper wrote:

No I’m serious. If you have some points to contribute, please do.

Are you in for it or against it? joy
PS – Just search for Axis Bank threads on DD that’s more than enough to give my verdict.

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MrKool_JJ wrote:

Are you in for it or against it? joy
PS – Just search for Axis Bank threads on DD that’s more than enough to give my verdict.

I was just looking for your value addition if you’re an axis bank customer. Anyway if you can share any specific thread link that’s helpful too. Thanks!

Also I’m surprised no one mentioned IDFC First Bank!

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Juniper wrote:

I was just looking for your value addition if you’re an axis bank customer. Anyway if you can share any specific thread link that’s helpful too. Thanks!

Kool grinning

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Open kotak

1) it’s not axis
2)it’s not hdfc
3) it’s not sbi
4) it’s not rbl
5) it’s not bob

Hope this helps.

PS : just a joke post. Ignore it if you’re seriously looking for a good bank account. sweat_smile

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Fanil wrote:

Open kotak

1) it’s not axis
2)it’s not hdfc
3) it’s not sbi
4) it’s not rbl
5) it’s not bob

Hope this helps.

Why kotak?

It has one of the most sluggish mobile application.

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xxxyyyzzz wrote:

Why kotak?

It has one of the most sluggish mobile application.

Bhai just a spoof for 5 reasons.. joy sorry. I know kotak sucks.. bad app.. pre-approved cards are not really pre-approved and reward rate is useless.

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hackerboys wrote:

icici is useful

1) app is user friendly 

2) u can get rupay platinum for apay offer

3) can get platinum card ltf

4) upi downtime is almost nil

5) support from bank is good (atleast at my location )

well iam using salary acc zero bal and i opened it only for creditcard but now using this as my primary acc, fully satisfied with icici , this is even better than HDFC 

how did you get rupay Platinum? 

they issue me default visa card and calling customer care is of no use. They say visit branch to get Rupay. Called 4-5 times and nobody took the request for rupay platinum

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