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HDFC Classic Banking upgrade suggestions

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Deal Subedar
rohit_agarwal

I have FD of 5L with bank maturing in june 2020. now they are calling me and told me to activate classic banking from NetBanking offer tab. After login NetBanking, i also can see this offer.

Now i want suggestion, should i avail classic account.? Because after maturity of fd, i may withdraw money.

If i don’t mainten 5L fd or 1L saving balance, what will happen? They charge for non maintenance of Amb.

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Deal Cadet Deal Cadet
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No, they will convert in normal

Deal Major Deal Major
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is the debit card annual charges free on 5L FD HDFC Bank

Deal Subedar Deal Subedar
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Its my new account only 5 months old. They charged 590 but reverse 500 without gst after talk with RM.

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Deal Newbie Deal Newbie
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I am having classic banking.. How to upgrade it to Preferred ? My acc standing satisfies preferred banking criteria. When I asked my RM to upgrade, he told me that I am handling classic accs only and don't upgrade to preferred because in case yr acc standing falls below to eligibility criteria then it won't be downgraded to classic and it will become standard acc. It seems he doesn't want to loose his classic customers bcoz he only handles classic accs. Please suggest the way to upgrade.
Deal Cadet Deal Cadet
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You can request from the app.

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Deal Subedar Deal Subedar
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What is one worthy benefit will one get after upgrading to classic or preferred or to even imepria ? and then RM , he or she will keep approaching you all the time for bad insurance plans to bad investment plans and loans .

Deal Subedar Deal Subedar
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Yeh… I know, but as i already have 5L fd, i don’t have to keep 10k in saving account as idle money. So it will somehow useful for me.

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Deal Subedar Deal Subedar
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What happens if AMB is not maintained?
In this page https://www.hdfcbank.com/personal/save/high-net... it says “Charges on non Maintainence of minimum Balance in Savings Accounts Nil”

Also I don’t have amount in my account currently to fulfil the criteria, not sure why they sent mail to activate preferred.

Deal Cadet Deal Cadet
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Can I just open an account with 1.25 L and transfer the 1L next month.
Will my account be classic or do I need to pay some fine for non maintenance of amc or account gets converted to a lower variant account

Post Emperor Post Emperor
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No ,you shouldn’t.. there is no amb charges but they will downgrade account to regular account

Deal Cadet Deal Cadet
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nothing happens, i have not maintaned from last 5 years also got pre approveed offer

Deal Cadet Deal Cadet
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They are refusing to tell me about Prime. Their email support just sent me only the Classic, Preferred and Imperia options. I have asked again.

Deal Cadet Deal Cadet
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Another benefit of Imperia.... Free locker.... Got mine last week grinning

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