Salary Account transfer
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As part of the Citi sale to Axis, my salary account is transferred to Axis, my employer also allows HDFC, icici as other options.
Looking at the broader picture not just
- Zero balance account,
- unlimited free withdrawals,
- and other free banking services
which is common to most salary account.
also looking for
- access to premium CC
- benefits associated premium wealth account relationship
- tie up with other services (demat, ppf, ssy, etc).
please help with benefits with each banks salary account and it's eco system that you personally use, so that I can switch to the right bank.
Thanks.
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HDFC Drawback :
PPF a/c in HDFC : You will not be able to view / download statement of ppf account of more than 1 year. ( ie. from todays day I wont be able to see Txns older than 04-08-2023 )
No Option for RTGS through its mobile app
No option to see Completed Payments ( ie. NEFT or RTGS done) Txns as a specific tab . Once Txn done No option to retrieve the Txn Completed page.
These are I think basic features each bank should have.
For ICICI.
All premium things are chargeable. Be it premium Debit card or premium Credit card.
Conclusion: You cannot be beneficial with any 1 bank A/c with all your requirements. Have things specific relationship Eg. demat A/c with Religare / zerodha , PPF with any nationalized Bank, MF with Kuvera , FDs with Good Small finance banks ( who accept standalone FDs)