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HDFC vs IDFC saving account

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Deal Cadet
head_shark

Which account is better is terms of service, offers and getting a credit card? Need to open an account urgently and can’t decide between the two.

Update: opened IDFC account, video kyc also done. So fast 🤩

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Deal Cadet Deal Cadet
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HDFC Gold speciale account no pesky sales calls, free debit card and imps transactions, direct line to the RM

Deal Cadet Deal Cadet
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timelord wrote:

HDFC Gold speciale account no pesky sales calls, free debit card and imps transactions, direct line to the RM

Looking for something regular.

Deal Cadet Deal Cadet
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head_shark wrote:

Looking for something regular.

Then take HDFC savings max account 25k MAB free platinum debit card with 1% cashback for every transaction

Chennai Super Kings Chennai Super Kings
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head_shark wrote:

Looking for something regular.

Get idfc , good service + will give credit card within 2-3 months

Deal Subedar Deal Subedar
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What sort of services you are expecting? If those are branch services open in a bank with closer branch

Deal Cadet Deal Cadet
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Sudarshan61 wrote:

What sort of services you are expecting? If those are branch services open in a bank with closer branch

Both banks have branch near by. This would be my primary account since ICICI closed my account today. Hence looking for good service and offers

Deal Subedar Deal Subedar
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head_shark wrote:

Both banks have branch near by. This would be my primary account since ICICI closed my account today. Hence looking for good service and offers

IDFC. Just because they are small and growing hence branch are less crowded and much more customer friendly.
Overall package HDFC is still better.

Deal Cadet Deal Cadet
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IDFC is good. HDFC is market leader.

Deal Cadet Deal Cadet
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head_shark wrote:

Both banks have branch near by. This would be my primary account since ICICI closed my account today. Hence looking for good service and offers

Why did you close ICICI ? Which Variant?

Deal Newbie Deal Newbie
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head_shark wrote:

Both banks have branch near by. This would be my primary account since ICICI closed my account today. Hence looking for good service and offers

How can ICICI or any bank close an account by itself!?

Deal Cadet Deal Cadet
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Spiderguy252 wrote:

How can ICICI or any bank close an account by itself!?

Most likely he opened an online account didn’t do kyc within a year my brother’s account automatically closed by icici because he didn’t do biometric kyc at branch

Deal Cadet Deal Cadet
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Spiderguy252 wrote:

How can ICICI or any bank close an account by itself!?

They did mine for violating terms and condition. Had too much transaction last month and they said to open a current account and closed this

Deal Cadet Deal Cadet
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head_shark wrote:

They did mine for violating terms and condition. Had too much transaction last month and they said to open a current account and closed this

Wait, banks close savings accounts if I do too many transactions?

Super Stud Super Stud
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Sudarshan61 wrote:

IDFC. Just because they are small and growing hence branch are less crowded and much more customer friendly.
Overall package HDFC is still better.

Idfc i see, they’re aggressive and expanding very rapidly, recently leased citi hq. They open branch very close to hdfc in most posh location.
They even copied millenia name for their cc i think sweat_smile.

It’s a bank trying very hard sweat_smile

Deal Cadet Deal Cadet
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timelord wrote:

Wait, banks close savings accounts if I do too many transactions?

Yup. Got a mail that my account violated terms and condition and it would close automatically, closed today.

Deal Lieutenant Deal Lieutenant
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With them since January 2020.

Really liked their service and customer centric approach.

Also, you get monthly interest and CC is powerful with reward points on wallet load, No cap.

Also promotions every now and them for spend based reward. Even though interest rates have reduced, still they are very competent and amongst the best in market.

Super Stud Super Stud
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head_shark wrote:

Yup. Got a mail that my account violated terms and condition and it would close automatically, closed today.

Omg, what did you do? 🤔
Did they let you withdrawa balance?

Deal Cadet Deal Cadet
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xxxyyyzzz wrote:

Omg, what did you do? 🤔
Did they let you withdrawa balance?

Yes withdraw all balance and closed FD. No idea what I did but they said my transactions appear to be of business nature and said to get a current account.

Deal Subedar Deal Subedar
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xxxyyyzzz wrote:

Idfc i see, they’re aggressive and expanding very rapidly, recently leased citi hq. They open branch very close to hdfc in most posh location.
They even copied millenia name for their cc i think sweat_smile.

It’s a bank trying very hard sweat_smile

Their was a time Yes bank was doing aggressive expansion smile

Deal Subedar Deal Subedar
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Tanmayyy wrote:

Get idfc , good service + will give credit card within 2-3 months

6+ months passed nothing yet for me. Reason could be my location and not even pre-approved offers yet.

Super Stud Super Stud
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head_shark wrote:

Yes withdraw all balance and closed FD. No idea what I did but they said my transactions appear to be of business nature and said to get a current account.

Hdfc will also do similar or more drama then. I’d say go with Idfc.
They’re new so maybe they’ll be lenient with the nature of your transaction.

Chennai Super Kings Chennai Super Kings
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prem4998 wrote:

6+ months passed nothing yet for me. Reason could be my location and not even pre-approved offers yet.

Which variant did you take

Deal Subedar Deal Subedar
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xxxyyyzzz wrote:

Hdfc will also do similar or more drama then. I’d say go with Idfc.
They’re new so maybe they’ll be lenient with the nature of your transaction.

Exactly!

Super Stud Super Stud
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Sudarshan61 wrote:

Their was a time Yes bank was doing aggressive expansion smile

Idfc, giving lucrative offers now na.
Make hay till the sun shines sweat_smile.
Kal ka kal dekhenge

Deal Subedar Deal Subedar
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Tanmayyy wrote:

Which variant did you take

25k and maintaining 50k+ for last 3 months

Chennai Super Kings Chennai Super Kings
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prem4998 wrote:

25k and maintaining 50k+ for last 3 months

Oh , maybe your area isn’t supported for ccs

Deal Subedar Deal Subedar
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Tanmayyy wrote:

Oh , maybe your area isn’t supported for ccs

Yeah, that’s the problem when I apply by myself. But pre-approved offers are not location specific na?

Chennai Super Kings Chennai Super Kings
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prem4998 wrote:

Yeah, that’s the problem when I apply by myself. But pre-approved offers are not location specific na?

They are as far as i know. You can try asking your RM/BM if they can help.

Deal Cadet Deal Cadet
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IDFC First Bank.

Good service, good netbanking, LTF credit cards.

PM for referral for credit cards or bank acocunts.

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