Hot Deal

Premium Zero Balance Savings Account With Free Debit Card

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Deal Captain
beastboy

This thread will need contribution from All Dimers , Experienced as well New so all can benefit from It.

Many Banks offer Premium Zero Balance Savings Account With Free Debit Card Based on Some Criteria Or
On an Initial Deposit Amount Varying from 2 Lakh to 10 Lakh or More , After account opening We can withdraw
the Amount from the account and For Keeping the Premium Status Active just need to maintain a Lump Sum Amount
for couple of Days twice or thrice in a Year in the account.

What a user should do to Get Premium Saving Account in Banks Even if they are not able to maintain Hefty Sum with the bank ?

Will Update Such Accounts and Their Benefits in the Wiki based on the Inputs from Dimers in This Thread and my own experience and interaction with Other Dimers.

Request you to Tag Dimers Who can contribute to the Thread grinning

Deal Wiki

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Deal Cadet Deal Cadet
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Interesting intiative waiting for banks info with such offers

Deal Cadet Deal Cadet
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I heard HDFC HNW accounts classic,preferred and imperia become zero balance and offers free debit card since it is manually downgraded by RM and no sane RM will not downgrade the account even if u don’t maintain the minimum balance

Deal Cadet Deal Cadet
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If you have IndusInd pinnacle credit card which comes as life time free then you can open a premium savings account (Indus Exclusive Savings Account) with them with zero AMB requirement. That too for lifetime.

Best thing is that after getting the credit card, you can get free add-on for family members and then exclusive savings accounts as well for them… all zero balance accounts, for lifetime.

https://www.indusind.com/in/en/personal/account...

Deal Cadet Deal Cadet
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Equitas bank : Currently Equitas bank is not charging anything to their customers for not maintaining AMB in their account, to attract more and more customers.

So you can get their premium savings account Equitas Elite Savings account. The criteria is to maintain 5 lakh in the account but since they are having the policy of not charging their customers for not maintaining AMB… one can do an initial funding somehow smile and later withdraw it to get a zero balance premium savings account.

https://www.equitasbank.com/sites/default/files...

Deal Subedar Deal Subedar
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timelord wrote:

I heard HDFC HNW accounts classic,preferred and imperia become zero balance and offers free debit card since it is manually downgraded by RM and no sane RM will not downgrade the account even if u don’t maintain the minimum balance

No sane RM downgrades you but if you are a sane customer, you yourself would downgrade from those variants

Deal Cadet Deal Cadet
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Ramta_Jogi wrote:

No sane RM downgrades you but if you are a sane customer, you yourself would downgrade from those variants

Any specific reason? Any hidden charges?

Deal Subedar Deal Subedar
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timelord wrote:

Any specific reason? Any hidden charges?

Many hidden charges. Higher interest rates.

Deal Cadet Deal Cadet
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Ramta_Jogi wrote:

Many hidden charges. Higher interest rates.

Well I started HDFC a/c on experimental basis I will run my a/c for 1 year if I see anything unusual I will close the account

Deal Lieutenant Deal Lieutenant
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Ramta_Jogi wrote:

No sane RM downgrades you but if you are a sane customer, you yourself would downgrade from those variants

laughing
Deal Subedar Deal Subedar
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timelord wrote:

Well I started HDFC a/c on experimental basis I will run my a/c for 1 year if I see anything unusual I will close the account

That’s the beauty of it. You won’t notice it till you are Imperia or even Preferred customer. Coz they only fool hni morons

Deal Cadet Deal Cadet
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Ramta_Jogi wrote:

That’s the beauty of it. You won’t notice it till you are Imperia or even Preferred customer. Coz they only fool hni morons

what charges @Ramta_Jogi flushed
I’ve not noticed anything in my statements for hdfc imperia rolleyes

Deal Captain Deal Captain
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noobDealer wrote:

what charges @Ramta_Jogi flushed
I’ve not noticed anything in my statements for hdfc imperia rolleyes

How Much Balance you maintaining and from how long bro

Deal Captain Deal Captain
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Ramta_Jogi wrote:

That’s the beauty of it. You won’t notice it till you are Imperia or even Preferred customer. Coz they only fool hni morons

Bro Your expertise inputs are also required in both the Premium LTF accounts as well as another thread of LTF Credit Cards grinning

Deal Subedar Deal Subedar
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noobDealer wrote:

what charges @Ramta_Jogi flushed
I’ve not noticed anything in my statements for hdfc imperia rolleyes

Not charges on regular basis. Charges on loans.

If ever u plan to take any type of loan from hdfc, downgrade your account to regular one atleast 3-6 months before taking loan.
Deal Subedar Deal Subedar
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beastboy wrote:

Bro Your expertise inputs are also required in both the Premium LTF accounts as well as another thread of LTF Credit Cards grinning

I went through them. They are just too broad topics encompassing a lot of things. Moreover, most of the cards require certain NRV or are altogether useless (even if free). Some banks are even more useless even if they offer everything free.

Deal Cadet Deal Cadet
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Ramta_Jogi wrote:

Not charges on regular basis. Charges on loans.

If ever u plan to take any type of loan from hdfc, downgrade your account to regular one atleast 3-6 months before taking loan.

how to downgrade? other than not satisfying the balance criteria which i anyway don’t since I have just 30rs in my account rolleyes
there was option to enroll into imperia but none to enroll out

Deal Cadet Deal Cadet
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noobDealer wrote:

how to downgrade? other than not satisfying the balance criteria which i anyway don’t since I have just 30rs in my account rolleyes
there was option to enroll into imperia but none to enroll out

Since this is manually downgraded by RM. Try being completely a**hole to RM usually works more easy if RM is female

Deal Subedar Deal Subedar
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noobDealer wrote:

how to downgrade? other than not satisfying the balance criteria which i anyway don’t since I have just 30rs in my account rolleyes
there was option to enroll into imperia but none to enroll out

Downgrade only if u know what you are doing!

Deal Cadet Deal Cadet
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timelord wrote:

Since this is manually downgraded by RM. Try being completely a**hole to RM usually works more easy if RM is female

flushed this is bad advice by even dimers standards
Deal Cadet Deal Cadet
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If you have IndusInd Signature Credit Card/ Legend Credit Card/ Visa Odyssey Credit Card/
Amex Odyssey Credit Card which comes as life time free then you can open Indus Select Savings Account with them with zero AMB requirement. That too for lifetime.

https://www.indusind.com/in/en/personal/account...

Deal Subedar Deal Subedar
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https://cdn0.desidime.com/attachments/photos/722950/medium/Screenshot_2021-11-14-10-26-36-848_com.google.android.gm.jpg?1636865807
Equitas is reducing Interest rates for savings accounts. See changes in attached pic.

Mobile Guru Mobile Guru
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Ramta_Jogi wrote:

Not charges on regular basis. Charges on loans.

If ever u plan to take any type of loan from hdfc, downgrade your account to regular one atleast 3-6 months before taking loan.

What kind of charges sirji? sweat_smile

Hunk Hunk
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Bhai 3-4 credit cards rakhni hai. 3-4 bank accounts rakhni hai. Premium or cheap doesn’t matter. One should get things one need. 🙂

Deal Cadet Deal Cadet
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Manitian wrote:


https://cdn0.desidime.com/attachments/photos/722950/medium/Screenshot_2021-11-14-10-26-36-848_com.google.android.gm.jpg?1636865807
Equitas is reducing Interest rates for savings accounts. See changes in attached pic.

.

Deal Subedar Deal Subedar
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noobDealer wrote:

how to downgrade? other than not satisfying the balance criteria which i anyway don’t since I have just 30rs in my account rolleyes
there was option to enroll into imperia but none to enroll out

Gajab with Rs 30 you are maintaining HDFC imperia…how long are you not maintaining required NRV.. generally after 3 months one start getting email / calls

Deal Cadet Deal Cadet
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I never maintained high balance, even before imperia smile

Deal Subedar Deal Subedar
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noobDealer wrote:

I never maintained high balance, even before imperia smile

How did you enroll for it? They don’t give this program unless you have maintained or started with that balance.

Cool Cool
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does IDBI Bank charge for virtual debit card

Deal Subedar Deal Subedar
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MrKool_JJ wrote:

What kind of charges sirji? sweat_smile

Higher rates, higher processing costs etc.

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