Salary Account transfer

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Last Comment 2024-08-04

2024-08-04

As part of the Citi sale to Axis, my salary account is transferred to Axis, my employer also allows HDFC, icici as other options.

Looking at the broader picture not just

- Zero balance account,

- unlimited free withdrawals,

- and other free banking services

which is common to most salary account.

also looking for

- access to premium CC

- benefits associated premium wealth account relationship

- tie up with other services (demat, ppf, ssy, etc).

please help with benefits with each banks salary account and it's eco system that you personally use, so that I can switch to the right bank.

Thanks.

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https://www.desidime.com/comments/permalink/10247438

MagicalChat

2024-08-04

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HDFC Drawback :

PPF a/c in HDFC : You will not be able to view / download statement of ppf account of more than 1 year. ( ie. from todays day I wont be able to see Txns older than 04-08-2023 )

No Option for RTGS through its mobile app

No option to see Completed Payments ( ie. NEFT or RTGS done) Txns as a specific tab . Once Txn done No option to retrieve the Txn Completed page.

These are I think basic features each bank should have.

For ICICI.

All premium things are chargeable. Be it premium Debit card or premium Credit card.

Conclusion: You cannot be beneficial with any 1 bank A/c with all your requirements. Have things specific relationship Eg. demat A/c with Religare / zerodha , PPF with any nationalized Bank, MF with Kuvera , FDs with Good Small finance banks ( who accept standalone FDs)