Poll: Which you feel is best bank for salary account?
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Hot Deal Need advice on salary account

571°
Deal Subedar
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Hi Dimers,

I currently am a HDFC Preferred banking customer. Been using this for almost 10 years. Now I am planning to switch to a different bank as I feel I am not getting a good value out of hdfc. Below are the banks that are supported by my corporate, I will be able to afford the top salary account in each bank. So do tell me which one is beneficial considering all things like free Credit cards, interest rate, service , facilities, debit cards offered and rewards for those debit card usage etc. Thanks in advance.

Icici
Hdfc
Dbs
Idfc
Kotak
Citi
Sbi
Axis
Yes
Standard Chartered
Hsbc

pray

88 Comments  |  
25 Dimers
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As on date, IDFC will give you best value for maintaining some good balance.
They have good customer service.

Also, describe which of your expectations hdfc couldn’t meet.

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nimod wrote:

Also, describe which of your expectations hdfc couldn’t meet.

Intimate relationship.

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You can scratch out axis right away, worst customer support even for good balance salary accounts. IDFC is best if you maintain good balance. City can also be considered if you plan on transferring money out of salary acc to move to investment/IDFC as City cards are somewhat good compared to the rest(excl the obvious ones like hdfc/icici/axis) & it is also more difficult to get the opportunity to open a salary acc in City bank.

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guest_999 wrote:

You can scratch out axis right away, worst customer support even for good balance salary accounts. IDFC is best if you maintain good balance. City can also be considered if you plan on transferring money out of salary acc to move to investment/IDFC as City cards are somewhat good compared to the rest(excl the obvious ones like hdfc/icici/axis) & it is also more difficult to get the opportunity to open a salary acc in City bank.

ICICI & Axis have low rewarding CC (except co- bra n ded).

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dont take yes, axis, citi, hsbc..
either go for icici or idfc or sbi…
not sure about kotak…

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_One_Miller_ wrote:

Intimate relationship.

Don’t even dream about.
All those Branch girls will not even talk properly after they achieve their targets using your money.

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nimod wrote:

Don’t even dream about.
All those Branch girls will not even talk properly after they achieve their targets using your money.

To target pura hone se pehle apna kam nipta lo. Usko bolo tm mujhe khoon do mai tmhe Azadi dunga grin

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akki.akki wrote:

dont take yes, axis, citi, hsbc..
either go for icici or idfc or sbi…
not sure about kotak…

I moved my salary account from sbi to idfc as sbi was totally ignorant towards me.
Icici has good customer service but again you will find them chasing you for fd/insurance/paid-cc etc.
I believe the best option is idfc.

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@A.M.A.Z.O Chupke s ye bata do bas aisa kitna CTC hai bhai jo saare bank wala tumko premium account dega?

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nimod wrote:

I moved my salary account from sbi to idfc as sbi was totally ignorant towards me.
Icici has good customer service but again you will find them chasing you for fd/insurance/paid-cc etc.
I believe the best option is idfc.

What exclusive benefits are you getting that others don’t provide?

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My suggestion is use all banks supported by company for each 2 months and decide what suits you grinning blush😍

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rockingneo wrote:

My suggestion is use all banks supported by company for each 2 months and decide what suits you grinning blush😍

Can we actually do it? Having salary account in 2-3 banks and getting salary month by month in them?

Won’t bank notice that salary did not come for a particular month?

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nimod wrote:

As on date, IDFC will give you best value for maintaining some good balance.
They have good customer service.

Also, describe which of your expectations hdfc couldn’t meet.

Home loan interest is way higher than market. Plus not even giving their Diners Black after being with them for 10 years. Plus their mobile app is horrible.

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RunZone wrote:

Can we actually do it? Having salary account in 2-3 banks and getting salary month by month in them?

Won’t bank notice that salary did not come for a particular month?

Salary account is converted to normal savings in 90 days if no Salary

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rockingneo wrote:

Salary account is converted to normal savings in 90 days if no Salary

So in that case we can maintain upto 3 accounts joy joy

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guest_999 wrote:

You can scratch out axis right away, worst customer support even for good balance salary accounts. IDFC is best if you maintain good balance. City can also be considered if you plan on transferring money out of salary acc to move to investment/IDFC as City cards are somewhat good compared to the rest(excl the obvious ones like hdfc/icici/axis) & it is also more difficult to get the opportunity to open a salary acc in City bank.

Hmm.. let me see if I can check citi out. Just that their offers weren’t great that’s why

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rockingneo wrote:

Salary account is converted to normal savings in 90 days if no Salary

It can be different also like for idfc.  It is still salary after leaving organization  from the 6 years

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nimod wrote:

I moved my salary account from sbi to idfc as sbi was totally ignorant towards me.
Icici has good customer service but again you will find them chasing you for fd/insurance/paid-cc etc.
I believe the best option is idfc.

sbi is ignorant towards everyone.

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Idfc salary account can be used as zero balance savings account, even if salary not credited to this account, provided we must do atleast a transaction every month.

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raman12 wrote:

@A.M.A.Z.O Chupke s ye bata do bas aisa kitna CTC hai bhai jo saare bank wala tumko premium account dega?

My CTC is upwards of 17L.

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raman12 wrote:

@A.M.A.Z.O Chupke s ye bata do bas aisa kitna CTC hai bhai jo saare bank wala tumko premium account dega?

@A.M.A.Z.O Hv u copy pasted bank’s list from pace hr/twingo of tech Mahindra?

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guest_999 wrote:

You can scratch out axis right away, worst customer support even for good balance salary accounts. IDFC is best if you maintain good balance. City can also be considered if you plan on transferring money out of salary acc to move to investment/IDFC as City cards are somewhat good compared to the rest(excl the obvious ones like hdfc/icici/axis) & it is also more difficult to get the opportunity to open a salary acc in City bank.

Axis chor tha/hai/rahega.
Someone please tag this somewhere laughing

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