https://www.desidime.com/comments/permalink/10479750
generally no downgrade, non maintenance charge
IDFC privileged banking query
If I somehow upgrade the account to select or wealth. Will they downgrade if I don't maintain the balance.
Are there any non maintenance or downgradation charges?
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https://www.desidime.com/comments/permalink/10479753
No Downgrade , No Maintenance Charges , Suggested To Go Directly To Wealth Account , Select To Wealth Conversion Is Very Hard Unless U R Very Very Rich Kid
https://www.desidime.com/comments/permalink/10479760
how much balance needed for wealth ?
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https://www.desidime.com/comments/permalink/10479883
I had maintained Rs. 10L for 3+ months and had to manually ask them for upgrade which they did.
For my mother's account, with an initial funding of Rs. 10L, they opened the account directly as Wealth, no drama whatsoever and I found it a better way rather than going through upgrade route.
https://www.desidime.com/comments/permalink/10479908
Yes. Irrespective of select or wealth , opening directly gives us those instantly. The bankers have some targets for opening accounts and they first open the 25MAB acc and later we get onboarded to select or wealth based on the IP.
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https://www.desidime.com/comments/permalink/10504110
After upgradation, account will be zero balance
https://www.desidime.com/comments/permalink/10504476
No. You have to maintain the MAB of your base savings account (10K or 25K)
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https://www.desidime.com/comments/permalink/10504686
Genuinely wanted to know - I am getting this LTF. But didn't opt for it yet. And may I I won't. Is this card really worth it now? Reward points (in other words Value Back) is very less. Plus spends on Education, NPS, Utility is not counted in 10X calculation. Lounge access need you to spend 20k in previous month... Movie B1G1 is only upto 250. So difficult to get any value back from this card.
https://www.desidime.com/comments/permalink/10504933
You are talking about credit card, not debit card. Please read the thread carefully
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I had maintained Rs. 10L for 3+ months and had to manually ask them for upgrade which they did.
For my mother's account, with an initial funding of Rs. 10L, they opened the account directly as Wealth, no drama whatsoever and I found it a better way rather than going through upgrade route.