HDFC Premier Banking - How to get easily upgraded to "Preferred banking" status category in HDFC Savings Account?

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Deal Subedar
DEEPANGEORGE

I already got upgraded to "Classic banking" status in HDFC Savings Account for the last 1 month , it has been very nice

as now I dont have any fine charges for non Maintenance of AMB and free HDFC Classic Debit card , which are already great offers:)))


now I would like to get my next upgrade to "Preferred Banking" savings account status. So how to get easily upgraded to "Preferred banking" in HDFC Savings Account? any ideas anyone


Link for details (for people who dont know): https://www.hdfcbank.com/personal/save/high-net...

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Deal Subedar Deal Subedar
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@goelsidhant92

Thanks for the info @goelsidhant92 


1. Free debit card (nice for classic, preferred and Imperia)

2. Personal Relationship manager (I got the RM even before applying classic so not sure its really part of this premier HDFC banking programme, now a days HDFC are pushing RM for anyone with good transactions to sell loans and insurance and HDFC offers, so RM is actually not really a perk) 

3. 0 Locker fees (great for Imperia)

4. Infinia credit card (great for Imperia but still lifetime free card in Infinia is not possible even with Imperia status)


Just adding some more info to yours:)

Deal Newbie Deal Newbie
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@DEEPANGEORGE

Yup you are right

Infinia is the best card even after paying Rs 15000 in annual fees. You het Rs 12500 back as reward points. I use this card a lot for hotel and flight bookings and gift card purchase. And ITC 2+1 is amazing.

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Crusader Crusader
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Maintain 2 lakhs of 1 or 2 months and it should trigger a preferred banking offer..

Else keep 2 lakhs and visit the branch and fill the preferred banking form..

Or try to upgrade through your classic RM

Deal Subedar Deal Subedar
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Thanks for the info:)), 


hmm classic banking mostly RM wont downgrade it even if we dont maintain 1 lakh regularly, 


but preferred banking will they downgrade to classic or basic, if 2 lakhs is not maintained? 

Any downgrading experience?

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Benevolent Benevolent
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What are those classic debit card offers? 

Crusader Crusader
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It's the same platinum visa debit card (the one with 750₹ +GST charges) with classic/preferred/ imperia printed on the card itself..

Nothing fancy though joy

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Deal Cadet Deal Cadet
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once upon a time for around 1 year I have not been able to maintain even 50K as MAB on my preferred account nothing happens. MAB was around 30K max. I didnt receive any call from RM to maintain balance

Deal Subedar Deal Subedar
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Mhm good to know:) 
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Deal Captain Deal Captain
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Classic to preferred, just ask, there is no increase in value for us, so it should be no loss for them

Deal Subedar Deal Subedar
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True nothing much after classic upgrade is there, hmm as far as I remember there are 2 things or 3 things which are very minute use for customer like 


1) locker charges varies like 25% off , 50% off and 100% off for classic, preferred and imeria (but rarely most of the account user uses locker and also it depends on availability)

2) credit card higher variant offers (which i think they will push quickly so we can get higher variant easily) 

3) loan processing fee might reduce (which i doubt they will reduce more than what they offer already in classic variant)


so effectively we can say 2 out of the 3 in the above are good for preferred and imperia

but as you said HDFC wont have loss, so ya its not loss for them but RM will have some Balance targets so RM might get affected if all the account holder under that particular RM dont maintain balances xD

Not sure RM will easily do upgrade, if we ask directly for preferred status, without any perks for them like FD or something else, 


why i say this is because  before i upgraded my account to classic via offer, i was already assigned the RM before itself (before getting classic status), at that time when I called the RM to confirm this offer and check on it, RM told I have to maintain 1 Lakh or 2 Lakh (in a way to make me not accept that offer lol) then i made my own decision to upgrade by myself using the offer and the RM didn't bothered after that... but initially that RM kinda tried to make me stay away from classic upgrade by scaring me saying like you have to maintain 1lakh or 2lakh balance in your account then only upgrade kinda thing 

by the way if anyone knows any other offers/features difference between classic vs preferred vs imperia , please update it (as it will help other dimers who are reading it later in future) 

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Deal Subedar Deal Subedar
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https://www.desidime.com/deals/santa-s-wishing-...

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all the best everyone

Deal Newbie Deal Newbie
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I was preferred customer from last 1 year and found no major benefits apart of locker fees but lockers are not available anywhere.

This month I got invite for Imperia banking programme and I opted in. But imperia also i dont see other benefits except free locker fees and credit card eligibility. Anyone knows major benefit of this?

Deal Subedar Deal Subedar
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Hope we get more benefits from this HDFC Banking programme sometime sad 

anyone know anything else please comment:) 
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The PostMighty The PostMighty
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Btw how to get infinia card?

Deal Newbie Deal Newbie
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This is where your relationship manager can help

Either you need a salary of 42 lacs per annum or you need good relations with your RM.

In my experience, if you have good balance and you use your existing hdfc credit card for like 8 lacs + per annum, you can get an infinia through your RM.

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Deal Newbie Deal Newbie
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I regularly use my Infinia for around 10L a year. Never got any notice. 

I was just letting you know your options. 

Generous Generous
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If you have high income than the expense i.e. Credit Card bills, and you properly show it on the ITR, then no issues.

Notice comes to those who declare 2-5 Lacs income and rotates 10+ Lac through CC.

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