I have FD of 5L with bank maturing in june 2020. now they are calling me and told me to activate classic banking from NetBanking offer tab. After login NetBanking, i also can see this offer.
Now i want suggestion, should i avail classic account.? Because after maturity of fd, i may withdraw money.
If i don’t mainten 5L fd or 1L saving balance, what will happen? They charge for non maintenance of Amb.
No, they will convert in normal
is the debit card annual charges free on 5L FD HDFC Bank
desiman wrote:is the debit card annual charges free on 5L FD HDFC Bank
Its my new account only 5 months old. They charged 590 but reverse 500 without gst after talk with RM.
rohit_agarwal wrote:Its my new account only 5 months old. They charged 590 but reverse 500 without gst after talk with RM.
who is Relationship Manager
how to know him/her
how to approach
rohit_agarwal wrote:Its my new account only 5 months old. They charged 590 but reverse 500 without gst after talk with RM.
had u kept 5L at the time of opening the account
I am having classic banking.. How to upgrade it to Preferred ? My acc standing satisfies preferred banking criteria. When I asked my RM to upgrade, he told me that I am handling classic accs only and don’t upgrade to preferred because in case yr acc standing falls below to eligibility criteria then it won’t be downgraded to classic and it will become standard acc. It seems he doesn’t want to loose his classic customers bcoz he only handles classic accs. Please suggest the way to upgrade.
rogerthat wrote:who is Relationship Manager
how to know him/her
how to approach
There is a counter in bank for relationship manager. While opening the account, i told her to provide cheapest debit card. But she told she can give me reward debit card. I refused to open account.
But she offered me to reverse debit card fee for 1st year.
rohit_agarwal wrote:There is a counter in bank for relationship manager. While opening the account, i told her to provide cheapest debit card. But she told she can give me reward debit card. I refused to open account.
But she offered me to reverse debit card fee for 1st year.
I never went to bank
account opening guy came to my bank
completed formalities and handover kit to me
again comes to me after 3 days applies online for Credit card and i got it in 10 days or so.
plus i don’t have time to go to other bank.
is that guy RM for me ?
rogerthat wrote:I never went to bank
account opening guy came to my bank
completed formalities and handover kit to me
again comes to me after 3 days applies online for Credit card and i got it in 10 days or so.
plus i don’t have time to go to other bank.
is that guy RM for me ?
I don’t know about your branch…. But here in my branch, a seperate counter for RM.
parthrp888290 wrote:I am having classic banking.. How to upgrade it to Preferred ? My acc standing satisfies preferred banking criteria. When I asked my RM to upgrade, he told me that I am handling classic accs only and don’t upgrade to preferred because in case yr acc standing falls below to eligibility criteria then it won’t be downgraded to classic and it will become standard acc. It seems he doesn’t want to loose his classic customers bcoz he only handles classic accs. Please suggest the way to upgrade.
You can request from the app.
parthrp888290 wrote:I am having classic banking.. How to upgrade it to Preferred ? My acc standing satisfies preferred banking criteria. When I asked my RM to upgrade, he told me that I am handling classic accs only and don’t upgrade to preferred because in case yr acc standing falls below to eligibility criteria then it won’t be downgraded to classic and it will become standard acc. It seems he doesn’t want to loose his classic customers bcoz he only handles classic accs. Please suggest the way to upgrade.
Visit bank and get hold of a preferred RM and get the form filled for preferred banking and submit it to him.
rogerthat wrote:I never went to bank
account opening guy came to my bank
completed formalities and handover kit to me
again comes to me after 3 days applies online for Credit card and i got it in 10 days or so.
plus i don’t have time to go to other bank.
is that guy RM for me ?
RM only for Prime, Classic, Preferred and Imperia customers only.
rohit_agarwal wrote:There is a counter in bank for relationship manager. While opening the account, i told her to provide cheapest debit card. But she told she can give me reward debit card. I refused to open account.
But she offered me to reverse debit card fee for 1st year.
mere ko bhi bola tha reverse karenge but then they rejected it 
What is one worthy benefit will one get after upgrading to classic or preferred or to even imepria ? and then RM , he or she will keep approaching you all the time for bad insurance plans to bad investment plans and loans .
ZitOO wrote:What is one worthy benefit will one get after upgrading to classic or preferred or to even imepria ? and then RM , he or she will keep approaching you all the time for bad insurance plans to bad investment plans and loans .
Yeh… I know, but as i already have 5L fd, i don’t have to keep 10k in saving account as idle money. So it will somehow useful for me.
ZitOO wrote:What is one worthy benefit will one get after upgrading to classic or preferred or to even imepria ? and then RM , he or she will keep approaching you all the time for bad insurance plans to bad investment plans and loans .
Free Locker & Free demat account are two features which might be very useful for many users.
What happens if AMB is not maintained?
In this page https://www.hdfcbank.com/personal/save/high-net... it says “Charges on non Maintainence of minimum Balance in Savings Accounts Nil”
Also I don’t have amount in my account currently to fulfil the criteria, not sure why they sent mail to activate preferred.
rogerthat wrote:I never went to bank
account opening guy came to my bank
completed formalities and handover kit to me
again comes to me after 3 days applies online for Credit card and i got it in 10 days or so.
plus i don’t have time to go to other bank.
is that guy RM for me ?
Generally HDFC sends e-mail about your RM and his/her phone number. I generally get in a month or two like…this is your RM and contact number is this… and sometime get SMS as well.
As far as i know RMs are not from any branch.
Par_ wrote:Generally HDFC sends e-mail about your RM and his/her phone number. I generally get in a month or two like…this is your RM and contact number is this… and sometime get SMS as well.
As far as i know RMs are not from any branch.
My RM is from a branch. Axis has some digital relationship manager, they fall under the category you mentioned. They(Axis RMs) are outsourced folks who are good at selling unnecessary plans, and best at saying “we don’t have permission” for any help I need.
Seinfeld wrote:Free Locker & Free demat account are two features which might be very useful for many users.
Don’t fall for such marketing gimmick….
Imperia customers need to maintain 10Lac in saving..3.5%
If one maintain that much in FD interest difference itself will fund for the locker ..😀
Demat AMC is waived..but still high brokerages…better have Zerodha or similar accounts..
Also if balance falls below 10Lac..HDFC will convert account to preferred (after due communication), and user will be charged for locker and demat.
Not a big fan of of all this HNV accounts, although I myself is having Imperia…HDFC imperia is just because of some differences between myself and my ICICI RM 😂
best feature in HDFC is choose your own account number (initial deposit of 5 Lac needed )…
Can I just open an account with 1.25 L and transfer the 1L next month.
Will my account be classic or do I need to pay some fine for non maintenance of amc or account gets converted to a lower variant account
