Poll: Which bank is better according to you?
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HDFC V/S ICICI - Which bank is better according to you?

292°
Deal Subedar
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5

According to you which one do you consider to be better among HDFC and ICICI?

42 Comments  |  
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50
713
3

Some time ago, I had to choose between these 2, I choose HDFC because I tried calling the ICICI CS several times to clarify some info on account opening and no one attended the call, so.I assumed they would offer same poor customer service, even if I needed their help after opening an account with them.

FYI: If you check commercial business that deal with large sums and transactions of money, more business accounts will be at HDFC.compared to ICICI.

I think HDFC is better in terms of efficiency, promptness and fund safety. But if you are opening an account to somehow get an unsecured credit card quickly, then ICICI might be preferred.

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ICICI, considering the technology. I have ICICI account from 2010. Every bank will have their own share of ups and downs with regards to the services/support they offer. Weigh down the options/features you are looking for and narrow down your choice.

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andromeda wrote:

ICICI, considering the technology. I have ICICI account from 2010. Every bank will have their own share of ups and downs with regards to the services/support they offer. Weigh down the options/features you are looking for and narrow down your choice.

Agree,
HDFC’s net banking and mobile banking app is not upto the mark.
Even for email id update you have to visit your branch.

75
314
3

I have both the banks..
Hdfc :
Merit :
No insurance or loan selling calls
Bad :
UI/UX of mobile app (no basic functions like limit management of debit or credit card)
Most of the things need branch visit

Icici:
Merit :
Very few things need branch visit ..even canceled cc via customer care.

Bad :
Daily spam calls sad for home loan car loan etc etc.

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dark.demon wrote:

I have both the banks..
Hdfc :
Merit :
No insurance or loan selling calls
Bad :
UI/UX of mobile app (no basic functions like limit management of debit or credit card)
Most of the things need branch visit

Icici:
Merit :
Very few things need branch visit ..even canceled cc via customer care.

Bad :
Daily spam calls sad for home loan car loan etc etc.

my observation is same.
Thinking of shifting my primary usage to ICICI.

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20
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ZNZ wrote:

Agree,
HDFC’s net banking and mobile banking app is not upto the mark.
Even for email id update you have to visit your branch.

may be that’s part of the security over convenience. Someone else in the name of account holder can still update if the person in disguise has enough info about the owner. Not opting for convenience is a feature sometimes.

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dark.demon wrote:

I have both the banks..
Hdfc :
Merit :
No insurance or loan selling calls
Bad :
UI/UX of mobile app (no basic functions like limit management of debit or credit card)
Most of the things need branch visit

Icici:
Merit :
Very few things need branch visit ..even canceled cc via customer care.

Bad :
Daily spam calls sad for home loan car loan etc etc.

If you had your entire life assets liquidated in cash and wanted to deposit in only 1 of these banks, which one would you choose?

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866
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ICICI is a true PVT bank with more than 95% services online
HDFC is 50-50 Pvt and Sarkari bank

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teriab33 wrote:

If you had your entire life assets liquidated in cash and wanted to deposit in only 1 of these banks, which one would you choose?

Icici.

As i prefer functionalities..

I have issued all my  cheques using icici only.. Coz hdfc is even way behind PSUs in some functions

138
3037
87

Wanted to open an account with HDFC. Tried to contact them. Nobody received when I called their customer care. Later on they sent me all the forms and asked me to fill them all by myself, and submit them by visiting physically.

So, I opted for ICICI instead. A representative visited and did all the work on my behalf.

40
619
11

I will choose icici because


i have icici credit card…

In imobile app → manage card → card online or offline pay… turn on and off feature available…

1 min before payment i will just turn on, do transaction , immediately turn off…

So Auto Debit With Out OTP Gets Declined. Recurring Subscriptions Gets Decline. Emi Auto Debit Will Decline.
Tap and pay gets declined Etc Etc

146
1092
8

HDFC is not providing good online banking services. ICICI is better for me.

258
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20
rahul2004 wrote:

Wanted to open an account with HDFC. Tried to contact them. Nobody received when I called their customer care. Later on they sent me all the forms and asked me to fill them all by myself, and submit them by visiting physically.

So, I opted for ICICI instead. A representative visited and did all the work on my behalf.

In my case, reps from ICICI and HDFC ( an year back) ready to fill the docs on my behalf. Although I filled myself with their assistance. We never know what they are opting for on our behalf, eventually lose peace in dealing with disputes later. In my case it gives me relief writing myself everything as it is kind of practice for the forgotten hand writing.

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andromeda wrote:

In my case, reps from ICICI and HDFC ( an year back) ready to fill the docs on my behalf. Although I filled myself with their assistance. We never know what they are opting for on our behalf, eventually lose peace in dealing with disputes later. In my case it gives me relief writing myself everything as it is kind of practice for the forgotten hand writing.

I did ask him for all the details. The representative confirmed that both my nro and nre account will be zero balance and also provided every other minute detail as well.

The thing is I visited the HDFC branch here in Dubai, but they were closed (maybe having a vacation after being named by RBI among the top 3 banks). Incidentally, both ICICI, as well as SBI, was open.

I had to do the filling of forms at SBI. But still, their approach was far better than HDFC.

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I have Imperia Account in HDFC but no Imperia FEELING*
.
You should go for ICICI Wealth account.

0
340
13

Go with Icici. Best net banking in India.

156
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31

So , despite RBIs circular, HDFC still does not allow you to turn off online, offline, contactless payments right? Neither in net banking nor in the app

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I have accounts in both, I have not found any banking service related issue both bank. I prefer offline banking in HDFC & then ICICI. For online ICICI bring frequent card/net banking on shopping, bill payment, etc. Also ICICI banking app, net banking interface is very good with tons of options, while HDFC super clean & mainly banking related options & nothing more than that.

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schumacher wrote:

So , despite RBIs circular, HDFC still does not allow you to turn off online, offline, contactless payments right? Neither in net banking nor in the app

You can set limits and disable/enable international transactions via netbanking. But the process is cumbersome.

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ZNZ wrote:

You can set limits and disable/enable international transactions via netbanking. But the process is cumbersome.

Yes but RBI had asked Banks to give customer the option of choosing which transactions they want to keep toggled on/off . Like in ICICI, you can turn off ATM withdrawal, stop contactless and what not. I am still surprised how they are getting away with such lapses. Even SBI has these options.

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Offers/CC – HDFC

Exp – ICICI

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schumacher wrote:

Yes but RBI had asked Banks to give customer the option of choosing which transactions they want to keep toggled on/off . Like in ICICI, you can turn off ATM withdrawal, stop contactless and what not. I am still surprised how they are getting away with such lapses. Even SBI has these options.

Switched to ICICI for my banking needs after keeping just the minimum balance in HDFC.

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Both are good, u can choose any of them….customer for more than 12 years…I am from Mumbai

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2

ICICI.

HDFC’s online services suck and old app too.
RM is only useful for selling crap offers.

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dark.demon wrote:

I have both the banks..
Hdfc :
Merit :
No insurance or loan selling calls
Bad :
UI/UX of mobile app (no basic functions like limit management of debit or credit card)
Most of the things need branch visit

Icici:
Merit :
Very few things need branch visit ..even canceled cc via customer care.

Bad :
Daily spam calls sad for home loan car loan etc etc.

no spam call for me, simetimes once in a month my rm calls me but thats it.

50
753
6
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schumacher wrote:

Yes but RBI had asked Banks to give customer the option of choosing which transactions they want to keep toggled on/off . Like in ICICI, you can turn off ATM withdrawal, stop contactless and what not. I am still surprised how they are getting away with such lapses. Even SBI has these options.

You can do the same in HDFC. Just checked in Netbanking.

0
243
20

HDFC is like sarkaari bank, you have to visit bank branch for smallest of things,

My Experience : wanted to change my primary registered Mobile no. contacted customer care, tried to use online banking even visited ATM but all in vain, I had to personally visit the branch filled a paper form and doped the same in drop box, Till date around 12 days have passed still waiting for there response.

whereas, ICICI bank online portal provides all this facilities with ease, also they have dedicated RM which is a bonus.

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