Which bank has best salary account?

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mihir2812711

2021-12-23

Hi there,

Which bank has best salary account considering extra perks, ease to get CC, better rates in loans?

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Last updated by: azzuridd 2021-12-23

A similar thread, which is the best Bank - https://www.desidime.com/discussions/which-bank...

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https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159120

kartikxxx

2021-12-23

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Hdfc, sbi

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159125

Mr.Bean

2021-12-23

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Citibank – Like their free DD ordering facility

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159514

yolodime

2021-12-23

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IDFC First Bank

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159527

dhinchakrohit

2021-12-23

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Don’t get all products from single bank….As one bank may not be best for all products.

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159531

decideaim

2021-12-23

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kartikxxx wrote:
Hdfc, sbi

SBI really??
What are the perks of salary account in SBi bro?

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159565

punjab_se

2021-12-23

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Hdfc

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159609

kartikxxx

2021-12-23

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decideaim wrote:
SBI really??
What are the perks of salary account in SBi bro?

Easy to get cc and lowest loan rates.

Whats perks u want, be specific?

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159611

nimod

2021-12-23

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decideaim wrote:
SBI really??
What are the perks of salary account in SBi bro?

nothing.

i moved from sbi to idfc.

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159614

kartikxxx

2021-12-23

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Mr.Bean wrote:
Citibank – Like their free DD ordering facility

Whats free dd ordering, also heard citi is going to takeover by axis….earlier it was kotak now news are of axis.

Though, i never had any issue with citi, superb service.

Edit – dd means demand draft, i was thing of desidime grin

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159623

decideaim

2021-12-23

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kartikxxx wrote:

Easy to get cc and lowest loan rates.

Whats perks u want, be specific?

Cashbacks, privelege banking type things won’t be there. But yeah loan rates are good

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159625

decideaim

2021-12-23

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nimod wrote:

nothing.

i moved from sbi to idfc.

What does IDFC offer for salary account?

I’m still having it with SBI, that’s why asking benifits

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159631

akki.akki

2021-12-23

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nimod wrote:

nothing.

i moved from sbi to idfc.

Any special change observed after switching to IDFC ?

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159633

kartikxxx

2021-12-23

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decideaim wrote:
Cashbacks, privelege banking type things won’t be there. But yeah loan rates are good

Cashback on salary account idk, cashback is with cc…banking – u will find their branches and atm very easily, one of the biggest bank in India , highest trust…yono offers many cashback thing (haven’t used much so cant tell u more)…u will get cc easily, loan rates unmatched, no need to have mab more than 3k….what else u need.

2nd option is hdfc, same things which i have mentioned above, except mab 10,25k.

Online banking in hdfc is better than sbi.

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159642

decideaim

2021-12-23

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kartikxxx wrote:
Cashback on salary account idk, cashback is with cc…banking – u will find their branches and atm very easily, one of the biggest bank in India , highest trust…yono offers many cashback thing (haven’t used much so cant tell u more)…u will get cc easily, loan rates unmatched, no need to have mab more than 3k….what else u need.

2nd option is hdfc, same things which i have mentioned above, except mab 10,25k.

Salary accounts won’t be charged usually for MAB, it’s 0 balance in both SBI and HDF

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159646

saxena_

2021-12-23

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kartikxxx wrote:
Easy to get cc and lowest loan rates.

Whats perks u want, be specific?

Getting a credit card with a salary account is not an issue with most banks actually. Plus, most banks gives LTF credit cards unlike SBI

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159649

kartikxxx

2021-12-23

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decideaim wrote:

Salary accounts won’t be charged usually for MAB, it’s 0 balance in both SBI and HDF

Oh mah bad, salary accounts are with 0 mab…
Thanks for correction bro.

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159651

sardasa

2021-12-23

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My employer won’t let me open salary account in bank of my choice. They will give option and I need to choose one.

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159653

kartikxxx

2021-12-23

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saxena_ wrote:
Getting a credit card with a salary account is not an issue with most banks actually. Plus, most banks gives LTF credit cards unlike SBI

True…

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159654

kartikxxx

2021-12-23

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sardasa wrote:

My employer won’t let me open salary account in bank of my choice. They will give option and I need to choose one.

Same with most companies(may be with mnc)

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159732

dealyogi

2021-12-23

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nimod wrote:
nothing.

i moved from sbi to idfc.

i have also moved from sbi to hdfc recently as there was 0 “extra” benefits in sbi salary account. MAB etc already in all bank salary accounts.

Atleast is hdfc I can save 750+gst for its visa platinum card annual fees.

My home loan is still with sbi and its nowhere linked with salary account. Similarly I got sbi simplyclick and that too not linked with salary account. Sbi didnot offer any ltf card even after salary account.

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159753

Peeyush.kumar2

2021-12-23

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its employer choice not employee

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159755

sudhirbali005938

2021-12-23

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Icici because you will also get a credit card

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159922

urboss

2021-12-23

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Anyone having StanC salary account?

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159927

urboss

2021-12-23

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i have used Citi, HDFC, ICICI

Liked ICICI out of these three.

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159958

monu.tanwar123262

2021-12-23

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idfcfirst because from 1 to 30 oct. they were giving 1% cashback on all debit card trans…….. cashback was getting settled next day in morning….. cashback cap was 10,000 for the month.

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8159980

Xhaster

2021-12-23

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urboss wrote:

Anyone having StanC salary account?

Yup… Not many perks but there responsiveness and services quality is good.

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8160132

nimod

2021-12-23

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akki.akki wrote:
Any special change observed after switching to IDFC ?

Offers on DC, premium DC, LTF CC, no DD i issuance charges. Withdraw money from Abby ATM any number of times. Good customer care.

it’s a tension free account.

@akki.akki

@decideaim

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8160256

ramadesidime

2021-12-23

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kartikxxx wrote:
Oh mah bad, salary accounts are with 0 mab…
Thanks for correction bro.

SBI regular account is also zero balance.

https://www.desidime.com/discussions/which-bank-has-best-salary-account?page=1#post_8160308

athulbij575

2021-12-23

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SBI has transparent accidental death insurance - https://sbi.co.in/web/salary-account/accident-i.... It also has the facility of MOD wherein the excess funds can be converted to FD automatically (with the lowest threshold of 25000) which gives you the additional FD interest when the funds are not required and also the liquidity to withdraw the money easily by automatically breaking the FD when required (Read more here - https://sbi.co.in/web/personal-banking/accounts...). Savings plus is available for all corporate salary account holders. Read about the other benefits here https://sbi.co.in/web/salary-account/corporate-...