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Premium saving accounts?

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Benevolent
flash007

What are the best premium savings accounts in the market?

And what are their benefits?

For eg:

1. HDFC Classic/preferred/imperia savings account: 

2. IDFC Privilege Banking (Select/Wealth) savings account:


Are there any other such accounts in the market?

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Helpful Helpful
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I compared many banks and opened AU royale.

1L MAB

Monthly interest payout 5%

FD ~8% pa

BMS 1+1 2x pm

Free dc with 1% cb on debit card upto 200 pm

Ltf zenith or vetta cc

Milestone benefits upto 4k+ vouchers 

Deal Cadet Deal Cadet
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I face the same issue with all my bank accounts. No one allows unlimited other bank atm withdrawal. They allows only 5 transactions per month per debit card. After that they charge very high amount for each withdrawal. Is there any bank debit cards that allows unlimited atm transactions at any domestic ATMs??

Talk-Of-The-Town Talk-Of-The-Town
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Go for IDFC. In my wealth account ₹700000 ATM withdrawal per day at any ATM without any extra charges from any Bank ATM. It's a visa infinite debit card.
But the condition is you have enough money and enough time to play with the machine for each withdrawal of ₹10000. I have set a withdrawal limit of ₹100000. Upto nine withdrawal was smooth on the HDFC ATM machine but on the 10th withdrawal of ₹10000 , a telephonic call was received. I ignored it and cut it, my 10th transaction declined by the bank. So I love IDFC. Everything is unlimited. 1st locker is also free for wealth account holders. 3+3 lounge access free in India per quarter & 2 free international lounges per quarter. No spending condition. For the international lounge ₹3000 ($35) will be deducted and reversed back after 10 days.

Deal Cadet Deal Cadet
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Which is the best HDFC savings account of these 3 Classic/preferred/imperia? where we can have maximum benefits

Benevolent Benevolent
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classic is enough if you don't wish to use locker & demat account 
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Deal Subedar Deal Subedar
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Each bank has its own product with similar facilities and named differently. So go with bank with which you have existing relationship.

Benevolent Benevolent
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Yes but I want to know if they downgrade the account or not, incase the MAB is not maintained, as their is no point in keep maintaining such high balance
View 2 more replies
Helpful Helpful
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I compared many banks and opened AU royale.

1L MAB

Monthly interest payout 5%

FD ~8% pa

BMS 1+1 2x pm

Free dc with 1% cb on debit card upto 200 pm

Ltf zenith or vetta cc

Milestone benefits upto 4k+ vouchers 

Comrade Comrade
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Is cashback also applicable on wallet load by dc?

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Benevolent Benevolent
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I am interested in knowing the premium account which do not downgrade the accounts, as there is no point in maintaining such high balance

Helpful Helpful
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What are your expectations?


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Benevolent Benevolent
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Yup, I'm already in the process of account opening for Diamond Tier 

and wanted to know if there are similar options nearby so that I don't have to make a Wire transfer each time.

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Generous Generous
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Indie.. 50k minm balce.. 1k monthly on cc bill payment.

Super Stud Super Stud
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Enlighten us more

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Deal Newbie Deal Newbie
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HFDC does downgrade, depends on your relationship and history with them

Benevolent Benevolent
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But i think it must be very rare, 
I have seen multiple posts/comments saying the opposite.
View 6 more replies
Deal Captain Deal Captain
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Classic Banking Eligibility Criteria

"Average Monthly Balance of Rs. 1 Lakh in the Savings Account

OR
Average Quarterly Balance of Rs. 2 lakhs in Current Account
OR
Average Monthly Balance of Rs. 5 Lakhs in combination of Savings Account and Fixed Deposit
OR
For Salaried Customer, Monthly net salary credit of Rs. 1 lakh & above in HDFC Bank Corp Salary Account​​​​​​​​​​​​​​"

Where did you see 0 MAB @flash007 . That was the reason I didn't upgrade my account and paying 750+GST for platinum dc

Benevolent Benevolent
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once the account is upgraded, then No charges on non maintenance of MAB, so technically its 0 MAB
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Deal Subedar Deal Subedar
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Can we hold 2 diff debit cards for hdfc bank at a time ? If I upgrade my hdfc normal savings to savings Max or classic can I get free platinum debit card along with my current millinea debit card ?

Benevolent Benevolent
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I don't think so,
even if it is possible, then 1 card will surely chargeable.
View 9 more replies
Helpful Helpful
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Screenshot20240208091555Gmail
INDIE SAVINGS TIER 3

MAB : 50K
CARD : FREE
BMS : 1+1 (Rs.400)
FUEL : 3%
Top Brands : 3%
CARD : 0.5%
FOREX MARKUP: ZERO
LOUNGE ACCESS: DOMESTIC 1 per Quarter
Rewards : Redeem as Cash / GCards etc

Ofc, they will instantly approve LTF Legend too easily (from personal experience)
Benevolent Benevolent
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Thanks,
Any premium account which don't downgrade on non maintenance MAB
View 8 more replies
Deal Cadet Deal Cadet
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I face the same issue with all my bank accounts. No one allows unlimited other bank atm withdrawal. They allows only 5 transactions per month per debit card. After that they charge very high amount for each withdrawal. Is there any bank debit cards that allows unlimited atm transactions at any domestic ATMs??

Generous Generous
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Hdfc 25K mab, unlimited at Hdfc atms and 15pm at other

Upgrade to hni banking, get unlimited txns at any atm
View 5 more replies
Deal Cadet Deal Cadet
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Is this type of account available in Axis Bank?

I am axis bank customer having 10K minimum balance account

Please tell

View 1 more reply
Deal Cadet Deal Cadet
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Which is the best HDFC savings account of these 3 Classic/preferred/imperia? where we can have maximum benefits

Benevolent Benevolent
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classic is enough if you don't wish to use locker & demat account 
Deal Cadet Deal Cadet
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HDFC Imperia from 5years, maintaining high TRV still no lifetime CC even after mail("We would like to inform you that Lifetime free credit card will be issued based on the profile eligibility"). After such BS want to move to some bank which treats customer well but dont want to loose 8 yr relationship.

Benevolent Benevolent
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for premium credit card in HDFC, reach out to the RM or BM, they can help for sure
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Talk-Of-The-Town Talk-Of-The-Town
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I have upgraded to imperia account in December 2022  . I have Regalia First LTF cc since 2018. Since then no such further upgrade for LTF premium. All three upgrades I received were paid one. I never accept that. Now the offer has ceased. Now the upgrade is useless because you have to spend 1 lac in the previous quarter for lounge access. Now Regalia First lounge access stopped by bank and in sleeping mode.

Deal Newbie Deal Newbie
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any chance of getting preferential home loan rates for hdfc imperia customers.

Deal Subedar Deal Subedar
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Getting the below offer from IDFC,  for lifetime waiver of Monthly average balance. Wondering if it makes sense to go for this.

Dear Customer,

Greetings from IDFC FIRST Bank!

And Thank you for being our valued customer!

We are happy to inform you that you are eligible for an Exclusive Lifetime Waiver of Monthly Average Balance Maintenance with IDFC FIRST Bank Savings Account.

Please click here https://idfcfs.co/...wq & follow below steps:

1. Enter mobile number, Email ID, Aadhaar ID

2. Get OTP & verify

3. Enter your personal & professional details

Team IDFC FIRST Bank

T&Cs apply

Benevolent Benevolent
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Very good offer but not sure how it is giving a waiver, 
nothing is written on the website about the MAB waiver.
So be sure before opening a new account
View 12 more replies
Deal Cadet Deal Cadet
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Deal Cadet Deal Cadet
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Union Bank Premium saving account 


QAB : 15k

*ATM: Unlimited Free withdrawal 

*NEFT, RTGS(2), SMS, Cheque 60 leaves per year Free

*Platinum debit card:  No issue and no Annual charge 

*Free insurance 5 lakh 

QAB: Quarterly average balance 

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