Best Bank In India as per my personal experience

Best Bank In India as per my personal experience

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DCB elite is the only back account which is away from all other bank accounts………… cashback is awesome…… no other bank can challenge it and never replacable as far as till date

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cred user spotted smile

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They’ll soon stop considering online spends for cb.

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cb is not the only parameter to qualify it as best bank

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Majestic wrote:

cb is not the only parameter to qualify it as best bank

True true. plus1

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For me, Axis priority is better compared to this. I get 10000 CB eyeryear for spending 1lakh

Whereas Dcb elite requires 1,25,000 spends every month to get 2000 CB.

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arunrush680 wrote:

For me, Axis priority is better compared to this. I get 10000 CB eyeryear for spending 1lakh

Whereas Dcb elite requires 1,25,000 spends every month to get 2000 CB.

MAB for Axis Priority is 2 Lakh and DCB is 25k. It makes huge difference. Definitely axis priory is better with added benefits like merchant discounts and welcome benefits and LTF credit card.

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JaiKrish1031 wrote:

MAB for Axis Priority is 2 Lakh and DCB is 25k. It makes huge difference. Definitely axis priory is better with added benefits like merchant discounts and welcome benefits and LTF credit card.

I know the aqb is high but he says Dcb is the best bank in India for CB So replied 😀

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JaiKrish1031 wrote:

MAB for Axis Priority is 2 Lakh and DCB is 25k. It makes huge difference.

If this is true then people are losing money with Axis Priority account.

Banks usually give 4% interest on money. Keeping 2L in bank means you are earning 8k interest yearly.
If you keep the same money in a liquid fund, you will get 20k at 10% return. Even FD gives 15k-16k at 7.5-8%. There are also many ways to earn more returns than this.

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Roushh wrote:

If this is true then people are losing money with Axis Priority account.

Banks usually give 4% interest on money. Keeping 2L in bank means you are earning 8k interest yearly.
If you keep the same money in a liquid fund, you will get 20k at 10% return. Even FD gives 15k-16k at 7.5-8%. There are also many ways to earn more returns than this.

There are other benefits too, like unlimited free dd’s, cheque/cash pickups, discount on locker rent, fyf cc, unlimited atm wd, dining discounts, targeted spend bas d vouchers, 10k CB & a dedicated RM who actually helps when there’s an issue.

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arunrush680 wrote:

There are other benefits too, like unlimited free dd’s, cheque/cash pickups, discount on locker rent, fyf cc, unlimited atm wd, dining discounts, targeted spend bas d vouchers, 10k CB & a dedicated RM who actually helps when there’s an issue.

I almost get this all with ICICI privileged account at 50K MAB.

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Roushh wrote:

If this is true then people are losing money with Axis Priority account.

Banks usually give 4% interest on money. Keeping 2L in bank means you are earning 8k interest yearly.
If you keep the same money in a liquid fund, you will get 20k at 10% return. Even FD gives 15k-16k at 7.5-8%. There are also many ways to earn more returns than this.

It applies to the one who just puts 2lakh and sit idle. Some people utilizes the account effectively and makes most out of it.

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Best Bank ka award cashback dekh kar nahi dete ,
Uski credibility parakhne ke parameters alag hote hai.

 
Phir kehte phiroge bank dooba gayi.

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JaiKrish1031 wrote:

It applies to the one who just puts 2lakh and sit idle. Some people utilizes the account effectively and makes most out of it.

I suppose you are right.

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Roushh wrote:

I almost get this all with ICICI privileged account at 50K MAB.

Infact this acc has no Non-maintenance charges, you can withdraw too.

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arunrush680 wrote:

There are other benefits too, like unlimited free dd’s, cheque/cash pickups, discount on locker rent, fyf cc, unlimited atm wd, dining discounts, targeted spend bas d vouchers, 10k CB & a dedicated RM who actually helps when there’s an issue.

All this facilities there in dcb too

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Moreover it gives credit card on fixed deposits and all other extra benefits as like other banks

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arunrush680 wrote:

They’ll soon stop considering online spends for cb.

The main motto of that account is only cash back and extra hidden advanatges

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kaan idhar se pakad, udhar se pakad..
T: Hold your ear whichever way you want.
All banks have premium accounts with high MABs. Dimers see cashbacks and discounts as secondary source of income. Others don’t care. They earn more than they need or are unaware completely or too busy earning faster than they can save. Banks need to make money and keep loyal customers. They know accounts with higher MABs means they can push occasional loans, etc. Its all business. No one gets anything for free.

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akki4554 wrote:

kaan idhar se pakad, udhar se pakad..
T: Hold your ear whichever way you want.
All banks have premium accounts with high MABs. Dimers see cashbacks and discounts as secondary source of income. Others don’t care. They earn more than they need or are unaware completely or too busy earning faster than they can save. Banks need to make money and keep loyal customers. They know accounts with higher MABs means they can push occasional loans, etc. Its all business. No one gets anything for free.

+1
real good observation

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couch potato! am also one of the senior dimer, not interested in posting. check my joining date thats y i remained newbie…..close shave sunglasses

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Roushh wrote:

If this is true then people are losing money with Axis Priority account.

Banks usually give 4% interest on money. Keeping 2L in bank means you are earning 8k interest yearly.
If you keep the same money in a liquid fund, you will get 20k at 10% return. Even FD gives 15k-16k at 7.5-8%. There are also many ways to earn more returns than this.

I beg to differ on a point Liquid fund gives 10%. No liquid fund gives 10%. You must be talking about a Debt Fund.

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BubbleBoyChickenLittle wrote:

I beg to differ on a point Liquid fund gives 10%. No liquid fund gives 10%. You must be talking about a Debt Fund.

Yeah, sorry about that. Yep, I meant debt funds.

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akki4554 wrote:

kaan idhar se pakad, udhar se pakad..
T: Hold your ear whichever way you want.
All banks have premium accounts with high MABs. Dimers see cashbacks and discounts as secondary source of income. Others don’t care. They earn more than they need or are unaware completely or too busy earning faster than they can save. Banks need to make money and keep loyal customers. They know accounts with higher MABs means they can push occasional loans, etc. Its all business. No one gets anything for free.

Yeah exactly, that is what the bank’s business model is.

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prabha.avum wrote:

Moreover it gives credit card on fixed deposits and all other extra benefits as like other banks

Most of bank issue credit card against FD

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prabha.avum wrote:

Moreover it gives credit card on fixed deposits and all other extra benefits as like other banks

Most of bank issue credit card against FD

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prabha.avum wrote:

couch potato! am also one of the senior dimer, not interested in posting. check my joining date thats y i remained newbie…..close shave sunglasses

LoL lol

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.

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arunrush680 wrote:

They’ll soon stop considering online spends for cb.

Kaali zubaan

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