I used to think axis and sbi banks were bad

212°
Deal Cadet
xera0117

But hdfc proved its so much more than them😭. Bloody co-operative banks work better than them.

So i had made a post earlier about getting an upgrade to preferred banking within less than a month of joining classic.

Turns out it was no glitch, but it was because  i was downgraded to prime even though i maintained above 1L as asked😡

Upon talking with the customer care representative, she told me i wasnt maintaining the average balance but when i told her i was maintaining above 1L as asked she said actually you have to maintain more than 2L. I mean just wtf😑


Now i have decided to go next week and finally close this * bank’s account and move to icici. They already upgraded me to privilege banking, which i suppose can help later.



New update- Got a mail from their classic division that i am still mapped under classic. The RM said i am mapped under prime. Dont know who to believe.

Expiring In 24 days
33 Comments  |  
18 Dimers
  • Sort By
Community Angel Community Angel
Moderator
Link Copied

Don’t know about prime.. but ICICI privilege banking is GFN. Better to check with other banks or offers that can be atleast any use.

Deal Subedar Deal Subedar
Link Copied

explore wealth account with ICICI..initial amount 10L but practically zero balance afterwards. 

Deal Newbie Deal Newbie
Link Copied

Brother, why to get hyper on an online platform?
Different people will have different opinion and the person who handled your case might be quite strict and abiding to rules. Why to take it in a negative way?
Moreover why to abuse here?

Deal Cadet Deal Cadet
Link Copied
deb3l wrote:

Don’t know about prime.. but ICICI privilege banking is GFN. Better to check with other banks or offers that can be atleast any use.

GFN? I already hold their amz credit card plus they are the too big to fail type so can be secure in that. Can you recommend me some other good ones?

Deal Cadet Deal Cadet
Link Copied
chai_lover wrote:

explore wealth account with ICICI..initial amount 10L but practically zero balance afterwards. 

Damn 😳, I was thinking about 50k-1L for starters but will talk to the branch people about it.

Deal Cadet Deal Cadet
Link Copied
AvinasC wrote:

Brother, why to get hyper on an online platform?
Different people will have different opinion and the person who handled your case might be quite strict and abiding to rules. Why to take it in a negative way?
Moreover why to abuse here?

Sorry brother, First I never abused the customer care person and second you dont expect this kind of stuff from one of the premier banks of this country. As you said yourself experiences are subjective so dont you think my anger can be valid? 

Deal Newbie Deal Newbie
Link Copied
Expand
xera0117 wrote:

Sorry brother, First I never abused the customer care person and second you dont expect this kind of stuff from one of the premier banks of this country. As you said yourself experiences are subjective so dont you think my anger can be valid? 

Subjective to the matters around you right? Your behaviour, bank employee’s behaviour etc. Nothing of the concern to this platform, where you keep throwing abusive words with stars in it or hyping up your anger. Correct?

Deal Cadet Deal Cadet
Link Copied
Expand
AvinasC wrote:

Subjective to the matters around you right? Your behaviour, bank employee’s behaviour etc. Nothing of the concern to this platform, where you keep throwing abusive words with stars in it or hyping up your anger. Correct?



Brother, why to get hyper on an online platform?
Different people will have different opinion. Why to take it in a negative way?
Its a free and open platform where last i checked we could post and discuss things in accordance with website guidelines. What is it about my post that hurt you personally? Do you work for any of these banks?

Deal Cadet Deal Cadet
Link Copied

Oh no neutral_face

Deal Subedar Deal Subedar
Link Copied

For hdfc….. Classic account should be maximum and minimum variant you should target….. Because they will downgrade…. If you don’t maintain balance…. Hdfc is very active in downgrade… Classic gives… All the basics required.. Including millenia / platinum debit card for free… 


Also in banks… If you maintain more balance in lower account variants…. More chance of pre approved offers….. 


Icici is best in terms of not downgrding… They never downgrade salary account to savings if you continue doing regular transactions…. 


Also very rare downgrade in savings account also… If it has no MAB charges

Deal Cadet Deal Cadet
Link Copied

did they tell you to maintain 1L?

You have any proof that you were supposed to maintain 1L not 2L, any documents, chats, email, call recording etc. 


Deal Cadet Deal Cadet
Link Copied
thats_my_spot wrote:

did they tell you to maintain 1L?

You have any proof that you were supposed to maintain 1L not 2L, any documents, chats, email, call recording etc. 


It is mentioned on their website as well as in the terms of conditions while upgrading from the chat assistant bot. 1L for classic, 2L for preferred.

Deal Cadet Deal Cadet
Link Copied

New update- Got a mail from their classic division that i am still mapped under classic. The RM said i am mapped under prime. Dont know who to believe. How does this bank still function?

Trailblazer Trailblazer
Link Copied
deb3l wrote:

Don’t know about prime.. but ICICI privilege banking is GFN. Better to check with other banks or offers that can be atleast any use.

I got upgrade option of my savings ac to titanium previlage banking is it free r chargeable account currently I’m using free zero bal AC which I opened with 1 lac initial deposit long back

Deal Cadet Deal Cadet
Link Copied
Expand
Dileep_kumar wrote:

I got upgrade option of my savings ac to titanium previlage banking is it free r chargeable account currently I’m using free zero bal AC which I opened with 1 lac initial deposit long back

debut card fees applicable for your account ?

Trailblazer Trailblazer
Link Copied
Expand
chotabaxxa800 wrote:

debut card fees applicable for your account ?

Ya it’s charged

Hotshot Hotshot
Link Copied

There are some banks you hold only for offers and some you hold for service. Hdfc is definitely the former one. The branch people have very little knowledge of stuff. For any changes to details of bank account, they ask you to post it to Chennai office. However, it’s one of the best when it comes to offers. Smartbuy, time to time spend based offers(on both cc and dc) , payzapp offers, best debit cards etc.. no use holding more than savings max or classic account.

Pro Shopping Friend Pro Shopping Friend
Link Copied

ICICI also worst, they don’t reverse credit card charges

At least HDFC is customer pro, yes there are many many improvements needed on urgent basis but nobody cares;Only premium banking cc good

initially I used to transfer 3lac in the evening7pm and take it back nxt day morning 8am/9am but they did not count this amount for AMB and charged me , after breaking my head with staff I said leave it; they just do not know why it happened but give any any irrelevant reply 😄

Deal Cadet Deal Cadet
Link Copied

All this classic etc is not required. Keep 25k MAB account. No strings attached. Its sufficient account for regular usage.
Similar benefits in icici gold privelege account.

All we want is no extra charges to be levied. Thats what these accounts have.
No need of RM etc.
Bank ppl will call and sell you products & services.

No need of zero balance account also. If u want do 2.5 lacs FD in ur icici gold privelege, there wont be any MAB charges

Delhi Capitals Delhi Capitals
Link Copied

why people go with private bank when sbi giving it free zero balance?

Plus theur debit card earns 0.25%

And noone visit branch all the banking is done on mobile

Critic Critic
Link Copied
demerius2020 wrote:

why people go with private bank when sbi giving it free zero balance?

Plus theur debit card earns 0.25%

And noone visit branch all the banking is done on mobile

That’s because you will need to make branch visit for certain things & when you do then you will regret it. For starters, their yono app digital acc opening actually require you to submit an offline form in branch later to change the txn rights from limited to full access for online banking else you can’t even use their internet banking/app for neft/imps/rtgs/online txns except for creating fd & offline transfer via cheque. You can also forget about getting rupay platinum debit card from a majority of branches in North India.

Deal Subedar Deal Subedar
Link Copied
kkrulesdnation wrote:

All this classic etc is not required. Keep 25k MAB account. No strings attached. Its sufficient account for regular usage.
Similar benefits in icici gold privelege account.

All we want is no extra charges to be levied. Thats what these accounts have.
No need of RM etc.
Bank ppl will call and sell you products & services.

No need of zero balance account also. If u want do 2.5 lacs FD in ur icici gold privelege, there wont be any MAB charges

Exactly, i too have same variants. Hdfc Savings Max 25 Mab, icici gold 50k mab. Sufficient for regular usage.

Entertainer Entertainer
Link Copied

RM is useless. My RM said to not apply for credit card through net banking. But my net banking showed I will get 1500/- voucher if I apply through net banking. Since my RM said don’t apply online, I contacted her for credit card. I asked her if I will lose any benefits to which she said no. I particularly asked about the 1500/- gv and she connected me to some credit card dept and that guy is too interested to make me apply for a credit card. I asked him again about the GV as RM did not clarify and he said I will receive the GV. He also said that if I apply through them, incase anything goes wrong they can help me with that. After applying through them I just opened netbanking and sae the t&c for the GV. It said “only if I apply through net banking and did not take any representative’s help I am eligible for the GV” disappointed_relieved I immediately called my RM fier next 2-3 days several times but she did not answer my call. After than my RM was changed expressionless and he is saying the same t&c as netbanking. 

I raised a ticket online and my new RM contacted me. He was least helpful as all did was apologising and said he will share feedback. But how did that solve the issue?

I am HDFC preferred customer, salary account.

Critic Critic
Link Copied

@jileg never contact hdfc employees regarding credit cards unless the card you want is infinia/dcb for which you are not officially eligible but can deposit a lot of money in acc on a short term basis for months(preferably 20 lakh+).

Delhi Capitals Delhi Capitals
Link Copied
Expand
guest_999 wrote:

That’s because you will need to make branch visit for certain things & when you do then you will regret it. For starters, their yono app digital acc opening actually require you to submit an offline form in branch later to change the txn rights from limited to full access for online banking else you can’t even use their internet banking/app for neft/imps/rtgs/online txns except for creating fd & offline transfer via cheque. You can also forget about getting rupay platinum debit card from a majority of branches in North India.

i just visited one or two time where i openend the account and took internet banking and since then no visit to bank

Trailblazer Trailblazer
Link Copied
Expand
guest_999 wrote:

That’s because you will need to make branch visit for certain things & when you do then you will regret it. For starters, their yono app digital acc opening actually require you to submit an offline form in branch later to change the txn rights from limited to full access for online banking else you can’t even use their internet banking/app for neft/imps/rtgs/online txns except for creating fd & offline transfer via cheque. You can also forget about getting rupay platinum debit card from a majority of branches in North India.

Lol sbi is best no complaints no need to visit branch net banking is best

Mumbai Indians Mumbai Indians
Link Copied
jileg wrote:

RM is useless. My RM said to not apply for credit card through net banking. But my net banking showed I will get 1500/- voucher if I apply through net banking. Since my RM said don’t apply online, I contacted her for credit card. I asked her if I will lose any benefits to which she said no. I particularly asked about the 1500/- gv and she connected me to some credit card dept and that guy is too interested to make me apply for a credit card. I asked him again about the GV as RM did not clarify and he said I will receive the GV. He also said that if I apply through them, incase anything goes wrong they can help me with that. After applying through them I just opened netbanking and sae the t&c for the GV. It said “only if I apply through net banking and did not take any representative’s help I am eligible for the GV” disappointed_relieved I immediately called my RM fier next 2-3 days several times but she did not answer my call. After than my RM was changed expressionless and he is saying the same t&c as netbanking. 

I raised a ticket online and my new RM contacted me. He was least helpful as all did was apologising and said he will share feedback. But how did that solve the issue?

I am HDFC preferred customer, salary account.

RM is just a rebranded word for sales person now.

Axis Bank – HDFC bank….all RM does is sell you products now.

They will not help you in any way.

Entertainer Entertainer
Link Copied
Expand
neo_t wrote:

RM is just a rebranded word for sales person now.

Axis Bank – HDFC bank….all RM does is sell you products now.

They will not help you in any way.

Yeah leant it the hard way.

Everytime they call they just waste my time saying take this scheme, put your money here etc.

Deal Cadet Deal Cadet
Link Copied
thats_my_spot wrote:

did they tell you to maintain 1L?

You have any proof that you were supposed to maintain 1L not 2L, any documents, chats, email, call recording etc. 


Yes for Classic Program you need 1L MAB in savings or 5L FD & savings combined. Do note classic is a program, not an account type. Your account type may be different- say Savings Max.

replyuser
Click here to reply
Reply