Hotness Which bank to choose: Axis or Yes or Kotak

Hot Deal Which bank to choose: Axis or Yes or Kotak

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Deal Cadet
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I want to open a new saving account for Online Transactions only.

1) More reward points or cashback
2) Less charges
3) Providing more offers

Please suggest accordingly.

(Don’t have CITI bank branch)

43 Comments  |  
18 Dimers
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Deal Subedar
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Axis any day is better.

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Deal Subedar
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i hear too many positive feedback on services of IndusInd

Quote i have failed at times but i never stopped trying rahul dravid 92 90 95
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@mackmad wrote:

Axis any day is better.


Axis doesn’t fulfil any of the above requirements add to that arrogant Axis Executives

Quote i have failed at times but i never stopped trying rahul dravid 92 90 95
Analyst
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@bajaj151 I would suggest you Kotak Jifi. Although it doesn’t fulfil the third requirement but it fulfills 1st & 2nd. I don’t like Kotak but unfortunately there’s no better alternative available. PM me if you need referral.

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@GoogleCA wrote:

@mackmad wrote:

Axis any day is better.


Axis doesn’t fulfil any of the above requirements add to that arrogant Axis Executives

I wrote after 6 long years of experience with Axis.
Till today, I had many shitty moments with them, but they were good in terms of response ( only emails no calls made till now )
The quality of services, variety of services and the even the eDGe rewards is awesome.

917503581858
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@GoogleCA wrote:

@bajaj151 I would suggest you Kotak Jifi. Although it doesn’t fulfil the third requirement but it fulfills 1st & 2nd. I don’t like Kotak but unfortunately there’s no better alternative available. PM me if you need referral.


Jifi is again a very good option, I dont remember if they give a physical card too.

Quote i have failed at times but i never stopped trying rahul dravid 92 90 95
Analyst
77
19785
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@mackmad wrote:

@GoogleCA wrote:

@bajaj151 I would suggest you Kotak Jifi. Although it doesn’t fulfil the third requirement but it fulfills 1st & 2nd. I don’t like Kotak but unfortunately there’s no better alternative available. PM me if you need referral.


Jifi is again a very good option, I dont remember if they give a physical card too.

Yes they give Physical Card. Recently they have changed the charges. Now there are charges for each ATM withdrawal

917503581858
Deal Subedar
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@GoogleCA wrote:


@mackmad wrote:


@GoogleCA wrote:

@bajaj151 I would suggest you Kotak Jifi. Although it doesn’t fulfil the third requirement but it fulfills 1st & 2nd. I don’t like Kotak but unfortunately there’s no better alternative available. PM me if you need referral.


Jifi is again a very good option, I dont remember if they give a physical card too.


Yes they give Physical Card. Recently they have changed the charges. Now there are charges for each ATM withdrawal

Oh ok, thanks for this information.
Jifi gives the same interest rate as a normal account ?

Quote i have failed at times but i never stopped trying rahul dravid 92 90 95
Analyst
77
19785
169
@mackmad wrote:

@GoogleCA wrote:


@mackmad wrote:


@GoogleCA wrote:

@bajaj151 I would suggest you Kotak Jifi. Although it doesn’t fulfil the third requirement but it fulfills 1st & 2nd. I don’t like Kotak but unfortunately there’s no better alternative available. PM me if you need referral.


Jifi is again a very good option, I dont remember if they give a physical card too.


Yes they give Physical Card. Recently they have changed the charges. Now there are charges for each ATM withdrawal

Oh ok, thanks for this information.
Jifi gives the same interest rate as a normal account ?

Jifi doesn’t give any interest upto 25k as it is a current account. Above that there’s automatic sweep in. Treat it as a wallet. Just add when you need.

917503581858
Deal Subedar
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@GoogleCA wrote:


@mackmad wrote:

@GoogleCA wrote:


@mackmad wrote:


@GoogleCA wrote:

@bajaj151 I would suggest you Kotak Jifi. Although it doesn’t fulfil the third requirement but it fulfills 1st & 2nd. I don’t like Kotak but unfortunately there’s no better alternative available. PM me if you need referral.


Jifi is again a very good option, I dont remember if they give a physical card too.


Yes they give Physical Card. Recently they have changed the charges. Now there are charges for each ATM withdrawal

Oh ok, thanks for this information.
Jifi gives the same interest rate as a normal account ?

Jifi doesn’t give any interest upto 25k as it is a current account. Above that there’s automatic sweep in. Treat it as a wallet. Just add when you need.

In that DBS is also a good option too , which gives almost similar features

Quote i have failed at times but i never stopped trying rahul dravid 92 90 95
Analyst
77
19785
169
@mackmad wrote:

@GoogleCA wrote:


@mackmad wrote:

@GoogleCA wrote:


@mackmad wrote:


@GoogleCA wrote:

@bajaj151 I would suggest you Kotak Jifi. Although it doesn’t fulfil the third requirement but it fulfills 1st & 2nd. I don’t like Kotak but unfortunately there’s no better alternative available. PM me if you need referral.


Jifi is again a very good option, I dont remember if they give a physical card too.


Yes they give Physical Card. Recently they have changed the charges. Now there are charges for each ATM withdrawal

Oh ok, thanks for this information.
Jifi gives the same interest rate as a normal account ?

Jifi doesn’t give any interest upto 25k as it is a current account. Above that there’s automatic sweep in. Treat it as a wallet. Just add when you need.

In that DBS is also a good option too , which gives almost similar features

JIFI gives 100 transaction points for each transaction of Rs.500 and above upto a max of 5 transactions per month. 100 transaction points are equal to Rs.25 So basically Rs.125 per month

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Deal Subedar
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Go for indusind account much more benefits with indusind platinum plus card.

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@GoogleCA wrote:


@mackmad wrote:

Axis any day is better.


Axis doesn’t fulfil any of the above requirements add to that arrogant Axis Executives

+1

You have to literally beg them to add eEdge rewards points for eligible transactions. They don’t do their duty correctly.

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Deal Lieutenant
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Have an Kotak ace salary account. Happy with their service. Don’t get benefits but their service and rate of interest is good for fds . And swap facility is there but feel it to be gimmicky . Nothing much . Offers are fair enough but axis might have better discount

A2z1
Community Angel
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@PaytmKaPoojari wrote:

Have an Kotak ace salary account. Happy with their service. Don’t get benefits but their service and rate of interest is good for fds . And swap facility is there but feel it to be gimmicky . Nothing much . Offers are fair enough but axis might have better discount


Why not open silk account for female member of your family & avail cashback offer?

A2z1
Community Angel
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@GoogleCA wrote:

@mackmad wrote:

@GoogleCA wrote:

@bajaj151 I would suggest you Kotak Jifi. Although it doesn’t fulfil the third requirement but it fulfills 1st & 2nd. I don’t like Kotak but unfortunately there’s no better alternative available. PM me if you need referral.


Jifi is again a very good option, I dont remember if they give a physical card too.

Yes they give Physical Card. Recently they have changed the charges. Now there are charges for each ATM withdrawal


Even kotak atm withdrawal also? https://cdn1.desidime.com/assets/textile-editor/icon_eek.gif

Quote i have failed at times but i never stopped trying rahul dravid 92 90 95
Analyst
77
19785
169
@A2Zdeals wrote:


@GoogleCA wrote:


@mackmad wrote:


@GoogleCA wrote:

@bajaj151 I would suggest you Kotak Jifi. Although it doesn’t fulfil the third requirement but it fulfills 1st & 2nd. I don’t like Kotak but unfortunately there’s no better alternative available. PM me if you need referral.


Jifi is again a very good option, I dont remember if they give a physical card too.


Yes they give Physical Card. Recently they have changed the charges. Now there are charges for each ATM withdrawal


Even kotak atm withdrawal also? https://cdn1.desidime.com/assets/textile-editor/icon_eek.gif

No but don’t see many Kotak ATMs. Maybe 2 at branches that’s all

A2z1
Community Angel
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34807
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@GoogleCA wrote:

@A2Zdeals wrote:


@GoogleCA wrote:


@mackmad wrote:


@GoogleCA wrote:

@bajaj151 I would suggest you Kotak Jifi. Although it doesn’t fulfil the third requirement but it fulfills 1st & 2nd. I don’t like Kotak but unfortunately there’s no better alternative available. PM me if you need referral.


Jifi is again a very good option, I dont remember if they give a physical card too.


Yes they give Physical Card. Recently they have changed the charges. Now there are charges for each ATM withdrawal


Even kotak atm withdrawal also? https://cdn1.desidime.com/assets/textile-editor/icon_eek.gif

No but don’t see many Kotak ATMs. Maybe 2 at branches that’s all

Ohh… Mumbai there are plenty actually so I thought I lost convenience

Del
Deal Lieutenant
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@GoogleCA wrote:

@mackmad wrote:

@GoogleCA wrote:


@mackmad wrote:

@GoogleCA wrote:


@mackmad wrote:


@GoogleCA wrote:

@bajaj151 I would suggest you Kotak Jifi. Although it doesn’t fulfil the third requirement but it fulfills 1st & 2nd. I don’t like Kotak but unfortunately there’s no better alternative available. PM me if you need referral.


Jifi is again a very good option, I dont remember if they give a physical card too.


Yes they give Physical Card. Recently they have changed the charges. Now there are charges for each ATM withdrawal

Oh ok, thanks for this information.
Jifi gives the same interest rate as a normal account ?

Jifi doesn’t give any interest upto 25k as it is a current account. Above that there’s automatic sweep in. Treat it as a wallet. Just add when you need.

In that DBS is also a good option too , which gives almost similar features

JIFI gives 100 transaction points for each transaction of Rs.500 and above upto a max of 5 transactions per month. 100 transaction points are equal to Rs.25 So basically Rs.125 per month


There’s a Jifi Saver option too which fetches 6% interest I think

Bal ganesh
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Do not go for Axis if you need service. I scheduled a Credit card payment for 4thNov around 15 days back. Since Axis is unreliable I manually checked but can’t see in “Completed Transactions” or scheduled transactions. Its giving error “Not able process, try after some time”, almost an hour but same msg. Except shopping offers Axis is garbage. Kotak is OK but literally no offers or meaning less offers like when YES bank was giving 20% on SD Kotak gave only 10% and so many TnC, I use it for parking funds as its giving 6%, planning to change to YES so as to at least recover some money paid as DC charges.

Maxresdefault
Deal Subedar
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@GoogleCA wrote:

@mackmad wrote:

@GoogleCA wrote:

@bajaj151 I would suggest you Kotak Jifi. Although it doesn’t fulfil the third requirement but it fulfills 1st & 2nd. I don’t like Kotak but unfortunately there’s no better alternative available. PM me if you need referral.


Jifi is again a very good option, I dont remember if they give a physical card too.

Yes they give Physical Card. Recently they have changed the charges. Now there are charges for each ATM withdrawal


Didn’t know this. need more info on this. Hope no charges at kotak atm. how many atm withdrawal at other banks free?

Quote i have failed at times but i never stopped trying rahul dravid 92 90 95
Analyst
77
19785
169
@batman wrote:


@GoogleCA wrote:


@mackmad wrote:


@GoogleCA wrote:

@bajaj151 I would suggest you Kotak Jifi. Although it doesn’t fulfil the third requirement but it fulfills 1st & 2nd. I don’t like Kotak but unfortunately there’s no better alternative available. PM me if you need referral.


Jifi is again a very good option, I dont remember if they give a physical card too.


Yes they give Physical Card. Recently they have changed the charges. Now there are charges for each ATM withdrawal


Didn’t know this. need more info on this. Hope no charges at kotak atm. how many atm withdrawal at other banks free?

http://www.kotak.com/personal-banking/accounts-...

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Deal Cadet
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Can we load Kotak jifi account using credit card ???

Dp
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DealDimers wrote:

Can we load Kotak jifi account using credit card ???

Jifi is a standalone bank account so u can’t add money via add cash options .u can only transfer money via neft,upi,imps ,cheque ,cash deposit and other options like that

Maxresdefault
Deal Subedar
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ashu45 wrote:

Jifi is a standalone bank account so u can’t add money via add cash options .u can only transfer money via neft,upi,imps ,cheque ,cash deposit and other options like that

Also don’t add or withdraw money in cash. They charge quite a bit.

A2z1
Community Angel
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batman_retired wrote:

Also don’t add or withdraw money in cash. They charge quite a bit.

@ashu45
@BUTTERFLYBOY
@DealSeeker

are they still charging for ATM withdrawal? I mean RBI has guided all banks not to charge for withdrawal whatever is the number of transactions & I have received sms from few banks also regarding this. Has Kotak Jifi relaxed this till 31st Dec 2016? Any idea?

Maxresdefault
Deal Subedar
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A2Zdeals wrote:

@ashu45
@BUTTERFLYBOY
@DealSeeker


are they still charging for ATM withdrawal? I mean RBI has guided all banks not to charge for withdrawal whatever is the number of transactions & I have received sms from few banks also regarding this. Has Kotak Jifi relaxed this till 31st Dec 2016? Any idea?

I was not talking about ATM withdrawal but in-branch cash transactions. Has RBI relaxed it as well? https://cdn2.desidime.com/assets/textile-editor/icon_rolleyes.gif

Dp
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A2Zdeals wrote:

@ashu45
@BUTTERFLYBOY
@DealSeeker


are they still charging for ATM withdrawal? I mean RBI has guided all banks not to charge for withdrawal whatever is the number of transactions & I have received sms from few banks also regarding this. Has Kotak Jifi relaxed this till 31st Dec 2016? Any idea?

Haven’t used card for atm withdrawal so can’t tell but haven’t received any relaxation message either for charge free withdrawals whereas axis ,icici ,dbs have sent messages regarding same

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