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Which bank is best bank of the year 2021

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Hey guys please share which bank's services and offers you liked most in last year 2021

Not able to add poll option please share in comments

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Avant Garde Avant Garde
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ICICI Bank❤️, It's Such an Amazing Bank, Fundamentally and Technically Also wink(Stock Market) also,in General No Bank in India Provides Better experience and user interface than iMobile Banking App and Internet Banking! So, Varieties of featured and also you can get FD Based Credit Card- Platinum very easily Online and also can apply Amazon Pay ICICI Credit card. Overall it's a good bank customer care is also good then I would rate HDFC Bank.
Finance Mentor Finance Mentor
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Icici – For account features, loan rates and customer care and APay card.

HDFC – Rewarding credit cards and ease of getting “first” credit card. High credit limit. 

IDFC – Ease of getting your “second” credit card.

IndusInd – Debit card with 0 markup fee. Excellent banking app. 

SBI – Loan rates. Though go through your statements once you get approved. I had to drag them to banking ombudsman for charging me “IT Verification” fees. 

Axis – Not for Banking! Have a few excellent credit cards like Magnus.

Honorable mentions: 

Standard Chartered – The only bank app I have ever used which won’t let you use newly registered fingerprint to access the app/accounts. It would ask you to register the fingerprint again in app and only allow you access to app with username and password till that time. 

This is the biggest security flaw in ICICI, SBI, IndusInd, IDFC as well as HDFC banking apps. 

HSBC – Their high tier banking allows you to carry your banking relationship and credit history across the world wherever they have branch/office. Biggest advantage given by no other bank. 

DBS, Citi and Deutsche banks – Excellent Investment bankers, international research and RAs. Would need high NRV though. 

72 Comments  |  
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Benevolent Benevolent
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PappuPager wrote:

HDFC and ICICI are both good

Axis is the worst Sometimes I have doubts whether its a real bank 😄

@MrKool_JJ please clarify his doubt.

Deal Subedar Deal Subedar
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akki.akki wrote:

@drupal you could have created a poll instead.

bhai he wrote

drupal

about 6 hours ago

Hey guys please share which bank’s services and offers you liked most in last year 2021

Not able to add poll option please share in comments



Deal Subedar Deal Subedar
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why no one mentioned IDFC bank 😜


introduced some good credit cards in 2021, had a good promo offer during diwali (1% cashback up to 10000), upgraded their app (better than many others), introduced some good banking programs (select, wealth etc.)

more over credits the offered promotional cashback on time (much before the fulfillment dates)

Benevolent Benevolent
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IamRage wrote:

why no one mentioned IDFC bank 😜


introduced some good credit cards in 2021, had a good promo offer during diwali (1% cashback up to 10000), upgraded their app (better than many others), introduced some good banking programs (select, wealth etc.)

more over credits the offered promotional cashback on time (much before the fulfillment dates)

idfc is in very limited cities

Finance Ninja Finance Ninja
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IamRage wrote:

why no one mentioned IDFC bank 😜


introduced some good credit cards in 2021, had a good promo offer during diwali (1% cashback up to 10000), upgraded their app (better than many others), introduced some good banking programs (select, wealth etc.)

more over credits the offered promotional cashback on time (much before the fulfillment dates)

They are busy looting rewards sweat_smile

Deal Subedar Deal Subedar
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drupal wrote:

idfc is in very limited cities

aren’t they opening accounts completely thru online where branches are not there?

Benevolent Benevolent
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akki.akki wrote:

@drupal you could have created a poll instead.

adding poll option removed not getting the option tried to to add a poll while posting but there was no option

Benevolent Benevolent
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Axis bank is cheater They advertised ASAP account as zero balance account before and now they are opening 10k MAB account under same name with misleading ads like open account in just Rs.590 deposit

Benevolent Benevolent
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akki.akki wrote:

What is this orange book ?how to access it.

I think he meant orange look, waise my privilege banking has a chocolaty color

Benevolent Benevolent
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IamRage wrote:

aren’t they opening accounts completely thru online where branches are not there?

Idfc should provide more online services facilities because branch visit in any other city far away is very inconvenient, good news is that they again added mobile number update facility in their app now 

Finance Ninja Finance Ninja
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drupal wrote:

Axis bank is cheater They advertised ASAP account as zero balance account before and now they are opening 10k MAB account under same name with misleading ads like open account in just Rs.590 deposit

It used to be zero back years ago when launched (2017-18 i think)..now i am not able to open online.
Needs to be opened offline

Benevolent Benevolent
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xxxyyyzzz wrote:

It used to be zero back years ago when launched (2017-18 i think)..now i am not able to open online.
Needs to be opened offline

if you had opened account anytime before you cannot open account online again 

Finance Ninja Finance Ninja
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drupal wrote:

Idfc should provide more online services facilities because branch visit in any other city far away is very inconvenient, good news is that they again added mobile number update facility in their app now 

I applied for idfc millenia cc in December, rejected instantly.
Now not able to open their account online. One dimer said it’s because if cKYC data, I enquired about that and bank supports asked to visit branch and apply offline 🥱.

Benevolent Benevolent
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xxxyyyzzz wrote:

I applied for idfc millenia cc in December, rejected instantly.
Now not able to open their account online. One dimer said it’s because if cKYC data, I enquired about that and bank supports asked to visit branch and apply offline 🥱.

you can invite agent at your home also no need to visit branch, whenever you take or apply credit card of any bank customer id is generated and after that online account opening not possible

Finance Ninja Finance Ninja
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drupal wrote:

you can invite agent at your home also no need to visit branch, whenever you take or apply credit card of any bank customer id is generated and after that online account opening not possible

I didn’t know we can invite them to home 😶

Whenever you take or apply credit card of any bank customer id is generated and after that online account – this is not true. I opened HDFC account completely online after one month of cc application

Benevolent Benevolent
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xxxyyyzzz wrote:

I didn’t know we can invite them to home 😶

Whenever you take or apply credit card of any bank customer id is generated and after that online account – this is not true. I opened HDFC account completely online after one month of cc application

If customer id is generated then they don’t allow 

Hunk Hunk
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IDFC. Because of extremely good customer service, nominal fee of 100₹ for debit card. 

Deal Cadet Deal Cadet
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IDFC & Kotak 811 for UI. HDFC for cashback

Critic Critic
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xxxyyyzzz wrote:

Anyone knows the reason why these banks don’t update transactions in real time ? unamused

SBI credit card updates txns in real time with txns showing as “in process”.

Finance Ninja Finance Ninja
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guest_999 wrote:

SBI credit card updates txns in real time with txns showing as “in process”.

Even Hsbc, one card and standard chartered updates them in real time.

I was wondering why icici, axis and hdfc takes days to reflect 🤔

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