Need info on Hdfc classic banking account

1. Initial funding 1L for classic program. Open savings max variant under classic program. Do not try upgrade method.

2. Only do FD, if okay. Don't opt for their demat or savings schemes.

3. Each branch has a separate RM so open the account where you find the RM is helpful (They all look good until you open the account).

Maintain 2L+ so Millennia or higher variant is guaranteed within 3 to 6 months. 

Go for Axis

stella.dmonte654 wrote:

Go for Axis

You mean Axis Bank? Are you sure? He is asking for saving account product not credit cards.

prem4998 wrote:
You mean Axis Bank? Are you sure? He is asking for saving account product not credit cards.

Yes bro only hdfc acc not axis 

prem4998 wrote:
1. Initial funding 1L for classic program. Open savings max variant under classic program. Do not try upgrade method.

2. Only do FD, if okay. Don't opt for their demat or savings schemes.

3. Each branch has a separate RM so open the account where you find the RM is helpful (They all look good until you open the account).

Maintain 2L+ so Millennia or higher variant is guaranteed within 3 to 6 months. 

You can directly go for classic online by opening savings max by just initial funding 

Theranos wrote:

You can directly go for classic online by opening savings max by just initial funding 

Yes, that's how I did(not online). Don't open gold speciale account. Savings Max is enough. I got LTF Millennia within 3 months. 

prem4998 wrote:
You mean Axis Bank? Are you sure? He is asking for saving account product not credit cards.

Any other acc variant which give acess to premium credit cards would also do

Yes much better. If he is planning to make initial funding of 5 lac and intend to keep tht balance as well 

prem4998 wrote:
Yes, that's how I did

Could you kindly explain like when I go to open acc online it says savings max but on classic banking page it has only option of existing customer and I am looking for online not branch visit 

stella.dmonte654 wrote:
Yes much better. If he is planning to make initial funding of 5 lac and intend to keep tht balance as well

Priority banking is a joke. Even burgundy customers are finding it not worth the money parked. Their support is worst. Hdfc can bend their rules for customers not Axis, even a bit. 

stella.dmonte654 wrote:
Yes much better. If he is planning to make initial funding of 5 lac and intend to keep tht balance as well

Initially I can fund 5lakh but can't maintain more than 1lakh for more than 6 months and below that post 6 months like 50kish is only possible in the long term

Theranos wrote:

Could you kindly explain like when I go to open acc online it says savings max but on classic banking page it has only option of existing customer and I am looking for online not branch visit 

Only offline route. That's why I said RM differs from branch to branch.

prem4998 wrote:
Priority banking is a joke. Even burgundy customers are finding it not worth the money parked. Their support is worst. Hdfc can bend their rules for customers not Axis, even a bit. 

Not even considering axis bank bro only HDFC bank 

prem4998 wrote:
Only offline route. That's why I said RM differs from branch to branch.

Any other way to get classic acc directly online....not able to visit branch as I have a fracture so can't move and need acc within few days

stella.dmonte654 wrote:
Any other acc variant which give acess to premium credit cards would also do

Yes much better. If he is planning to make initial funding of 5 lac and intend to keep tht balance as well 

Only hdfc bank other acc variant not any other bank bro....pardon me if I didn't made it clear earlier 

And can't maintain 5lakh just around 1lakh or below that too in short term 50k is in long term 

Theranos wrote:

Any other way to get classic acc directly online....not able to visit branch as I have a fracture so can't move and need acc within few days

Ask a friend to visit and find the RM there and tell him about your offer to open classic banking program with good initial funding. He should come to your doorstep. I only visited the branch once then my RM comes to my home for everything till now. It depends on RM though. If he is lazy or a lady then chances are less for home visits. Have to approach another branch in that case.

Theranos wrote:

Initially I can fund 5lakh but can't maintain more than 1lakh for more than 6 months and below that post 6 months like 50kish is only possible in the long term

Check axis burgundy.
One thing I like about axis is that in app you can book locker without need to contact RM, hdfc will never offer locker without investment.

With burgundy you get 70% approx discount on rent. Debit and credit card offering some exclusive benefits.

Alternatively if you would like to keep reducing balance you can look for axis priority

1. 10% CB on Flipkart 2. Discounts on Grab Deals 3. 5-15% CB on Brands 4. Initial Funding 16690 5. Average Month Bal 12,000 6. 1% CB on E Debit 7. 3X RP on Physical Debit Card You can open prime saving account Initial Funding amount-25000

stella.dmonte654 wrote:
Check axis burgundy.
One thing I like about axis is that in app you can book locker without need to contact RM, hdfc will never offer locker without investment.

With burgundy you get 70% approx discount on rent. Debit and credit card offering some exclusive benefits.

Alternatively if you would like to keep reducing balance you can look for axis priority

Are you just Stella or Stella from Axis Bank?

stella.dmonte654 wrote:
Check axis burgundy.
One thing I like about axis is that in app you can book locker without need to contact RM, hdfc will never offer locker without investment.

With burgundy you get 70% approx discount on rent. Debit and credit card offering some exclusive benefits.

Alternatively if you would like to keep reducing balance you can look for axis priority

Never in need of locker and I don't think need one in future also barely negligible gold or physical property docs to keep in locker.....

Second have a friend in axis and already done with one family member having axis acc and cc also is there so not looking for axis....

prem4998 wrote:
Are you just Stella or Stella from Axis Bank?

You mean chat bot of axis??

stella.dmonte654 wrote:
1. 10% CB on Flipkart 2. Discounts on Grab Deals 3. 5-15% CB on Brands 4. Initial Funding 16690 5. Average Month Bal 12,000 6. 1% CB on E Debit 7. 3X RP on Physical Debit Card You can open prime saving account Initial Funding amount-25000

It seems you are directly sent by Amitabh Chowdhary

stella.dmonte654 wrote:
1. 10% CB on Flipkart 2. Discounts on Grab Deals 3. 5-15% CB on Brands 4. Initial Funding 16690 5. Average Month Bal 12,000 6. 1% CB on E Debit 7. 3X RP on Physical Debit Card You can open prime saving account Initial Funding amount-25000

Amb required + cc premium benifits any doesn't match my requirements 

prem4998 wrote:
Are you just Stella or Stella from Axis Bank?

keep your prediction and imagination with you.

Theranos wrote:

You mean chat bot of axis??

Haha no, just kidding that the way she promotes Axis repeatedly even after u saying u r not interested  

prem4998 wrote:
Haha no, just kidding that the way she promotes Axis repeatedly even after u said u r not interested

Kindly provide me some options in hdf first....I am worried about RM being the salesman so don't want offline option and if that's only option I am ready to wait for upgrade but need to know best option 

Theranos wrote:

Kindly provide me some options in hdf first....I am worried about RM being the salesman so don't want offline option and if that's only option I am ready to wait for upgrade but need to know best option 

Upgrade itself will take 3 to 12 months. So at best you can get your premium card by 2023 end.

prem4998 wrote:
Upgrade itself will take 3 to 12 months. So at best you can get your premium card by 2023 end.

If no other way online isy query if that's not available I can wait till that also but a big NO TO RM and offline 

prem4998 wrote:
Ask a friend to visit and find the RM there and tell him about your offer to open classic banking program with good initial funding. He should come to your doorstep. I only visited the branch once then my RM comes to my home for everything till now. It depends on RM though. If he is lazy or a lady then chances are less for home visits. Have to approach another branch in that case.

Agree....3 weeks ago i opened HDFC regular savings a/c offline, when i visited branch for the first time i was told executive will come to your home and open account for you as the welcome kits were all taken by some other executive at that moment

Theranos wrote:

If no other way online isy query if that's not available I can wait till that also but a big NO TO RM and offline 

My RM made my classic account a zero-balance account. Okay, anyway, open savings max online and maintain 2L+ for a faster(assume) trigger of the upgrade so everything will happen sooner. Also, use the account as your primary account for day-to-day transactions.