Zero Balance Savings Account

currently digibank’s digisaving account providing these facilities. It may be not available in your city. 2nd option is SBI which provides all these facilities.

Axis Bank Priority Salary Account (Min salary > 1 L INR pm).
Its not a savings a/c but a salary a/c.
In case you can get many people at your workplace to open this account, they often waive off the minimum salary clause.

@Sherl SBI zero balance savings account… Max 20 transactions after that 5rs per transaction.

@cm4444 wrote:

Axis Bank Priority Salary Account (Min salary > 1 L INR pm).
Its not a savings a/c but a salary a/c.
In case you can get many people at your workplace to open this account, they often waive off the minimum salary clause.

Axis is the most shittiest bank… Even Dena bank is better than Axis

Most pathetic service

Go with Digibank as they fullfill your all criteria

@Thesamr wrote:

@cm4444 wrote:

Axis Bank Priority Salary Account (Min salary > 1 L INR pm).
Its not a savings a/c but a salary a/c.
In case you can get many people at your workplace to open this account, they often waive off the minimum salary clause.

Axis is the most shittiest bank… Even Dena bank is better than Axis

Most pathetic service

Amazing 2 know,

@B@R_0_0_D wrote:

@Thesamr wrote:

@cm4444 wrote:

Axis Bank Priority Salary Account (Min salary > 1 L INR pm).
Its not a savings a/c but a salary a/c.
In case you can get many people at your workplace to open this account, they often waive off the minimum salary clause.

Axis is the most shittiest bank… Even Dena bank is better than Axis

Most pathetic service

Amazing 2 know,

Whenever I pay from Their NB to Pocket, error comes like parameter missing and blah blah and amount get debited… Bought Leco Tv from FK under 10% axis CB offer… they didnt gave CB till now, its been month since i filled a complaint, No resolution.. Automatic VAS activation like Premium SMS alert service, shitty card reward system, Took titanium reward card at charge of 500 for unlimited ATM withdrawl, Only after taking card I came to know that UNLIMITED ATM withdrawal has been stopped, felt like cheated

Who the **** pay 500 just for a normal debit carrd

@FeelMyL0Ve wrote:

@Sherl SBI zero balance savings account… Max 20 transactions after that 5rs per transaction.

SBI is becoming worst day by day
Annual SMS charges Rs.60
Annual Atm card charges 178
Cash deposit other than home branch Rs.50
20 Transaction restriction per month

I am an old customer of SBI believe me , it is worst,
Axis bank is far far better than this
IDBI bank is also much better 0 bal 0 charge account with international debit card with international payments

@cm4444 wrote:

Axis Bank Priority Salary Account (Min salary > 1 L INR pm).
Its not a savings a/c but a salary a/c.
In case you can get many people at your workplace to open this account, they often waive off the minimum salary clause.

all salary account provide zero balance features. i have icici salary account with zero min balance.

@drupal wrote:

@FeelMyL0Ve wrote:

@Sherl SBI zero balance savings account… Max 20 transactions after that 5rs per transaction.

SBI is becoming worst day by day
Annual SMS charges Rs.60
Annual Atm card charges 178
Cash deposit other than home branch Rs.50
20 Transaction restriction per month

I am an old customer of SBI believe me , it is worst,
Axis bank is far far better than this
IDBI bank is also much better 0 bal 0 charge account with international debit card with international payments

Can you explain how axis is better with 10k AMB requirement, only 8 withdrawl per month.. Only 5 cash deposits and afterthat 150 per tranx (WTF).. sms charges 70..
SBI still better… I like PNB though

It doesn’t make sense. you any which ways will continue to hold existing accounts with Icici and hdfc evident from your email.

the more than aqb you maintain you improve your loyalty standing with them. they process such data and keep extending offers.

I never bounced a CC payment cheque for last 15-20 years nor ever paid only minimum balance. both these banks found out and keep giving me calls for higher personal loan amounts at just 7.5% and higher credit limits for free.

unfortunately it never happened with sbi.

@dharmanath481 wrote:

It doesn’t make sense. you any which ways will continue to hold existing accounts with Icici and hdfc evident from your email.

Service wise these 2 banks are the best with very good app integration.

the more than aqb you maintain you improve your loyalty standing with them. they process such data and keep extending offers.

I never bounced a CC payment cheque for last 15-20 years nor ever paid only minimum balance. both these banks found out and keep giving me calls for higher personal loan amounts at just 7.5% and higher credit limits for free.

unfortunately it never happened with sbi.

Personal loan only at 7.5%

Didnt you take it?

putting that in another bank account at higher rate of interest. Don’t really need the money since kept my needs in control.

@dharmanath481 wrote:

:-} yes, but only to improve my cibil score and loyalty index.

putting that in another bank account at higher rate of interest. Don’t really need the money since kept my needs in control.

kitna loan diya 7-8 lakh ?

I do knw loan depend on monthley income probably 60 times

bt 7.5 %

ICICI pockets savings account It may not fulfill all your terms but still good. Also try other Gov banks like BoB, PNB etc.

I specifically asked why is the offer to me and the person gave me the reasons specified above. nothing to do with monthly income at all. I didn’t have to submit any docs and amount got transfered in 3 days.

So coming back to the point. ICICI and hdfc track your payment track records and reward you. It doesn’t happen with nationalised banks. So zero balance account will not reap any benifit later plus transaction charges are higher.

they are ment for lower incone group people.

@Thesamr wrote:

@dharmanath481 wrote:

It doesn’t make sense. you any which ways will continue to hold existing accounts with Icici and hdfc evident from your email.

Service wise these 2 banks are the best with very good app integration.

the more than aqb you maintain you improve your loyalty standing with them. they process such data and keep extending offers.

I never bounced a CC payment cheque for last 15-20 years nor ever paid only minimum balance. both these banks found out and keep giving me calls for higher personal loan amounts at just 7.5% and higher credit limits for free.

unfortunately it never happened with sbi.

Personal loan only at 7.5%

Didnt you take it?

LOL! He had you guys.
Credit card since 15-20 years? Loan @ 7.5%?
You got to draw the line somewhere

better go with icici and maintain the MAB or 10,000 rs all time otherwise they charge 576 rs per month..
so maintain it, and this is the only problem with icici, otherwise it good

Offtopic:
SBI, LVB, KVB and other banks are shittt, they dont allow us to send funds immediately, even adding reciepent is a tedious task, in LVB and KVB its impossible to do any non-working hours of bank, still dont know why these guys have internat banking ?? that work only in working hours..lolz
waste of time and TENSION

I tried all type of bank accounts and finally settled with ICICI, you will fell this in last, so better keep going on with ICICI and maintain 10,000..Experience

@desibuddy wrote:

better go with icici and maintain the MAB or 10,000 rs all time otherwise they charge 576 rs per month..
so maintain it, and this is the only problem with icici, otherwise it good

Offtopic:
SBI, LVB, KVB and other banks are shittt, they dont allow us to send funds immediately, even adding reciepent is a tedious task, in LVB and KVB its impossible to do any non-working hours of bank, still dont know why these guys have internat banking ?? that work only in working hours..lolz
waste of time and TENSION

I tried all type of bank accounts and finally settled with ICICI, you will fell this in last, so better keep going on with ICICI and maintain 10,000..Experience

same with Hdfc, 10k minimum.. customer care also best, they always help… once they refunded me 3k, i dint maintain AMB for 8 months I just told them, i will close account. they agreed for refund….

@AtulTheDimer wrote:

@cm4444 wrote:

Axis Bank Priority Salary Account (Min salary > 1 L INR pm).
Its not a savings a/c but a salary a/c.
In case you can get many people at your workplace to open this account, they often waive off the minimum salary clause.

all salary account provide zero balance features. i have icici salary account with zero min balance.

I have that too but looking for something apart from it.

@Thesamr wrote:

@dharmanath481 wrote:

It doesn’t make sense. you any which ways will continue to hold existing accounts with Icici and hdfc evident from your email.

Service wise these 2 banks are the best with very good app integration.

the more than aqb you maintain you improve your loyalty standing with them. they process such data and keep extending offers.

I never bounced a CC payment cheque for last 15-20 years nor ever paid only minimum balance. both these banks found out and keep giving me calls for higher personal loan amounts at just 7.5% and higher credit limits for free.

unfortunately it never happened with sbi.

Personal loan only at 7.5%

Didnt you take it?

Good one. They gave me 2L CC limit but my papa said no no.

@bargainhunter wrote:

@Thesamr wrote:

@dharmanath481 wrote:

It doesn’t make sense. you any which ways will continue to hold existing accounts with Icici and hdfc evident from your email.

Service wise these 2 banks are the best with very good app integration.

the more than aqb you maintain you improve your loyalty standing with them. they process such data and keep extending offers.

I never bounced a CC payment cheque for last 15-20 years nor ever paid only minimum balance. both these banks found out and keep giving me calls for higher personal loan amounts at just 7.5% and higher credit limits for free.

unfortunately it never happened with sbi.

Personal loan only at 7.5%

Didnt you take it?

LOL! He had you guys.
Credit card since 15-20 years? Loan @ 7.5%?
You got to draw the line somewhere

@cm4444 wrote:

Axis Bank Priority Salary Account (Min salary > 1 L INR pm).
Its not a savings a/c but a salary a/c.
In case you can get many people at your workplace to open this account, they often waive off the minimum salary clause.

bro if someone works at such place where most have there salary above 1 L ,I think it is impractical to consider ki sbka account khulwane vale ki salary 1 l se kam hh…..

however everything is possible in india, I have no doubts abt tht….

@dharmanath481 wrote:

@bargainhunter wrote:

@Thesamr wrote:

@dharmanath481 wrote:

It doesn’t make sense. you any which ways will continue to hold existing accounts with Icici and hdfc evident from your email.

Service wise these 2 banks are the best with very good app integration.

the more than aqb you maintain you improve your loyalty standing with them. they process such data and keep extending offers.

I never bounced a CC payment cheque for last 15-20 years nor ever paid only minimum balance. both these banks found out and keep giving me calls for higher personal loan amounts at just 7.5% and higher credit limits for free.

unfortunately it never happened with sbi.

Personal loan only at 7.5%

Didnt you take it?

LOL! He had you guys.
Credit card since 15-20 years? Loan @ 7.5%?
You got to draw the line somewhere

crack some better joke

if you get personal loan at 7.5%, u can easily deposit in the same bank and get more interest than that and earn with no investment

@thetransformrr wrote:

@cm4444 wrote:

Axis Bank Priority Salary Account (Min salary > 1 L INR pm).
Its not a savings a/c but a salary a/c.
In case you can get many people at your workplace to open this account, they often waive off the minimum salary clause.

bro if someone works at such place where most have there salary above 1 L ,I think it is impractical to consider ki sbka account khulwane vale ki salary 1 l se kam hh…..

however everything is possible in india, I have no doubts abt tht….

Agar wahan kaafi employees ki salary 1 L se kamm hai, aur aap uss organisation ke 10-12 logo ke salary accounts Axis mein khulwane mein interested ho toh woh sabke liye 1 L wala clause hata dete hain.

@karthi4052752 wrote:

@dharmanath481 wrote:

@bargainhunter wrote:

@Thesamr wrote:

@dharmanath481 wrote:

It doesn’t make sense. you any which ways will continue to hold existing accounts with Icici and hdfc evident from your email.

Service wise these 2 banks are the best with very good app integration.

the more than aqb you maintain you improve your loyalty standing with them. they process such data and keep extending offers.

I never bounced a CC payment cheque for last 15-20 years nor ever paid only minimum balance. both these banks found out and keep giving me calls for higher personal loan amounts at just 7.5% and higher credit limits for free.

unfortunately it never happened with sbi.

Personal loan only at 7.5%

Didnt you take it?

LOL! He had you guys.
Credit card since 15-20 years? Loan @ 7.5%?
You got to draw the line somewhere

crack some better joke

if you get personal loan at 7.5%, u can easily deposit in the same bank and get more interest than that and earn with no investment

I got it for the max amount even though my CA friend said you don’t need it.

ICICI is already happy with me. Since its a flat rate will forclose it after 366 days and return all the money. they will be more happy.

got debt on my books to offset it against income. on return my cibil score will shoot up further. Got free emergency funds parked at short notice.

forced to save for 1 year by paying emi.

so personal loan for me is good debt.

@dharmanath481 wrote:

@karthi4052752 wrote:


if you get personal loan at 7.5%, u can easily deposit in the same bank and get more interest than that and earn with no investment

you said the right thing.

I got it for the max amount even though my CA friend said you don’t need it.

yesterday itself i got it transfered to another bank which gives 8.25% and created an fd for 365 days. this Bank manager is very happy with me so I retain my hni privilege customer status.

ICICI is already happy with me. Since its a flat rate will forclose it after 366 days and return all the money. they will be more happy.

got debt on my books to offset it against income. on return my cibil score will shoot up further. Got free emergency funds parked at short notice.

forced to save for 1 year by paying emi.

so personal loan for me is good debt.

@cm4444 wrote:

Axis Bank Priority Salary Account (Min salary > 1 L INR pm).
Its not a savings a/c but a salary a/c.
In case you can get many people at your workplace to open this account, they often waive off the minimum salary clause.

good to know the last line

Guys English Please, just want(atleast trying) to improve Financial and banking sector knowledge

@disclaimer wrote:

@dharmanath481 wrote:

@karthi4052752 wrote:


if you get personal loan at 7.5%, u can easily deposit in the same bank and get more interest than that and earn with no investment

you said the right thing.

I got it for the max amount even though my CA friend said you don’t need it.

yesterday itself i got it transfered to another bank which gives 8.25% and created an fd for 365 days. this Bank manager is very happy with me so I retain my hni privilege customer status.

ICICI is already happy with me. Since its a flat rate will forclose it after 366 days and return all the money. they will be more happy.

got debt on my books to offset it against income. on return my cibil score will shoot up further. Got free emergency funds parked at short notice.

forced to save for 1 year by paying emi.

so personal loan for me is good debt.

I might be wrong, but aren’t you losing some money here? 7.5%pa on loan compounded monthly while 8.25%pa on FD will compound not more than quarterly and generally half yearly in well known banks. And considering your HNI status, you will pay tax at 30% on interest?

but that will be a minor thing because it will offset against having a good amount as emergency funds which otherwise on a cc loan is 40%pa.

I feel you will also agree as keeping own money in FD is a bad idea at 7.25 while actual inflation is somewhere close to 12%.