I used to think axis and sbi banks were bad

309°

2848
34
Last Comment 2022-05-11

xera0117

2022-05-10

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.

Expired

33 Comments |

18 Dimers

Sort By

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8436421

deb4O5

Moderator

2022-05-10

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.

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8436453

xera0117

2022-05-10

Link Copied

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?

View 3 more replies

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8436428

chai_lover

2022-05-10

Link Copied

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

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8436455

xera0117

2022-05-10

Link Copied

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

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8436431

PewDiePie

2022-05-10

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?

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8436471

xera0117

2022-05-10

Link Copied

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?

View 2 more replies

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8436620

10ven

2022-05-10

Link Copied

Oh no neutral_face

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8436684

batmanBABA

2022-05-10

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

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8436706

thats_my_spot

2022-05-10

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.

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8436721

xera0117

2022-05-10

Link Copied

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.

View 1 more reply

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8436722

xera0117

2022-05-10

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?

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8436911

Fanil

2022-05-10

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.

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8437105

caks2006407

2022-05-10

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 😄

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8437262

kkrulesdnation

2022-05-11

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

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8437323

ULYSSES

2022-05-11

Link Copied

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

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8437267

demerius2020

2022-05-11

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

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8437300

guest_999

2022-05-11

Link Copied

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.

View 4 more replies

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8437326

jileg

2022-05-11

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.

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8437460

neo_t

2022-05-11

Link Copied

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.

View 1 more reply

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8437420

guest_999

2022-05-11

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+).

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8437781

jileg

2022-05-11

Link Copied

@xera0117
I called customer care about this confusion now.

CC is saying that I will receive th voucher in 90 days on spend basis. New RM says I won’t get.

I was told by my RM earlier that I have to spend 50k, CC is saying 30k expressionless

I too felt the same way like you mentioned….. “How is this bank even functioning” joy

https://www.desidime.com/discussions/i-used-to-think-axis-and-sbi-were-the-most-m-c-banks-in-the-country?page=1#post_8437942

xera0117

2022-05-11

Link Copied

Seriously man, how are we supposed to trust them with our money? At this point I am just waiting for a pre approved cc and I am closing the bank account.
I hope you get your 1500 voucher soon. Keep pushing them don’t let it go.