Salary Account transfer

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Heart of Gold
jainashish85

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)

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