Bank
i advise just a psu and private top bank enough for a life
1. sbi for psu…take loans from psu, as it cheaper, no thretenings for defaulters
2. dbs/citi/hsbc for online trasactions.. private bank servers never gonna down, funds easily traced and returned to us. Psu banks blocks large amount funds and request kyc n docs, but private will come n collect if necessary, mostly they donlt block funds
Axis bank blocks funds , they freeze accounts for doing transactions , COSMOS Freeze is in one of them, and they never release debit freeze without branch visit and documents submission so if anyone’s account is frozen through their COSMOS scam and you have not approached branch money is gone , not only you will not be able to withdraw money but they will keep deducting charges from your account untill it becomes zero
Icici netbanking is worst of all. Dont know op is living in ancient ages then go for citi. Icici even have the oldest ui and worst logging mechanism.
Why did Axis get much less votes. I have seen many Dimmers had bad experience with axis bank. What can be reason for that. I have no relationship with axis bank but was think to open a account in it. @guest_999
Multiple reasons are there only few are below
Their branch service is worst 😭 they require you to visit multiple times for single work
High charges for debit card
Unnecessary COSMOS debit freeze on doing multiple transactions through debit card or upi
Sms charges ,
Unknown consolidated charges,
They force you to take 599 wala debit card on account opening with 599 annual fees
Cash deposit charges and much more
Their employees are more interested in selling some products and policies to you than solving your problem,
They waste your time explaining unnecessary insurance plans, when you tell your problem they ignore and don’t solve the problem
Even sarakri banks provide better service than axis
Axis has worst customer service possible
If anyone really wants to open account in axis open jandhan account only, only 4 debits in a month is allowed, even in normal account they will freeze your account if you do many transactions hence no use, in jandhan account you can debit your account 4 times only after that account goes in BSBDA debit freeze mode till next month, don’t keep balance, keep
balance zero always use only when any offer is there,
In this account all incoming transactions like imps NEFT etc will be declined if amount is above 50,000 you can’t receive more than 50,000 in a single transaction, This account not works in night
If we consider benefits, I don’t think any bank can beat IDFC as of now.
Paytm payment Bank
Axis bank is fraud it took away my 560/- ruppes
My experience based on my accounts and people in my circle
I like Indusind bank because of FD interest rates.. It is offering 6.5% while others are offering 5% or less..
Icici bank is best in overall service using from last 8 year. There is no transaction charge like neft or imps from demonitization. Imobile and pocket app is too good. Ease of transaction. Customer service is good.
Axis bank service is also too good. Nice app support and ease of transaction.
Axis is the worst bank in India.
I wanted to update my address. I had my aadhar card as proof. Couldn’t update it online. Visited the bank and they said there is no option to update for customer only having a credit card. Like they straight up told me they can’t help me. Like what the fuck? I broke my credit card in front of them.
Yes I agree with , many bad experience with them
Axis bank is the only bank in India which does not have website netbanking for CC holders (without savings account)
When I told branch person about that, she told other banks also don’t have. If they have, show me proof for that
bob have website for credit card holder
sbi have sbicard.com and list go on
IDFC first bank… future of banking
ICICi Bank
SBI is not in OPTION
Question should be which bank is worst?
Kotak 811 best
My vote goes to Union Bank Of India, solely because it isn’t as congested as other banks. I use it as my primary account for cash deposits and withdrawals. After the merger they have a lot of branches now. Talking about UI, not good UI for net banking but has good UI for mobile banking app. MAB is Rs. 500 only. Their UPI servers work fine 80% of the time, this I personally feel, although during merger their systems were non-functional most of the time, but currently are working just fine.
Just wanted to discuss about HDFC Bank’s offers and its fulfillment …
HDFC Bank posts this and that offer time and again but as per my experience, they’ve been skipping the fulfillment part. Since I avail their offers time to time, I keep a note of the transaction amount, date and expected cashback along with estimated date of offer redemption which is usually 90 days from offer end date.
Now, recently I followed up with them on about 2-3 offers for which I didn’t get benefit. One of them was in September 2020 for adding money to Paytm wallet via HDFC debit card, 10% cashback upto Rs. 500 … so, I had added Rs. 5,000 to get Rs. 500 cashback. When asked, what I heard was astonishing, they asked me details of offers such as email / offer website link / screenshot of offer details. I only kept a track with me that I should be getting Rs. 500 after 90 days for adding Rs. 5,000 to Paytm wallet via HDFC debit card … how come will I keep a track of offer screenshot / link / email with me and follow up with them on this?
You’ve got a whole banking system with you and you send out personalized as well as generic offers and you don’t even know if there was such an offer or not? Ultimately they denied of any such offer running in September 2020 and I didn’t have any proof of such offer either. At that time, even I doubted myself if there was such an offer or not but if I had written down, transacted as well then the offer could be a vaild one.
Nevertheless, HDFC Bank’s support is utter stupid. It used to be the second most valued company according to market capitalization and having such a poor back-end, being a developer in a product company I see tons of flaws and area of improvement.
Recently, I contacted them with respect to an offer in October 2020 for which I received benefit after almost 3 weeks … yes, that’s the amount of time they take to resolve. Preferred Banking helpline channel is nonsense, they are not even capable of clarifying simple queries. Interestingly, I had received an email for the offer in October 2020 for which I posted all the relevant proofs and finally got the Rs. 500 voucher.
I’m so pissed off with HDFC Bank that I can give a lecture to the product manager who’s responsible for all this operation. I can keep going on and on with this topic but shared a few incidents out of many and would like to know about others experiences on this.
Few ICICI netbanking services
Online Address change
Online Update kyc
Email Id updation change
Debit card pin generation
Credit card pin generation
Account transfer to other branch
Free cibil score
Instant credit card on fd
View Virtual debit card
Add funds through upi
Voted HDFC
,
kotak is also a good bank…should have an option of that also..
Amit shah and sons Bank.. 15 din me paise double 😂🤣
i think icici has both good customer care + good net & mobile banking.
I agree with you
I don’t understand why other banks not give so many features in netbanking, they can save a lot of
time and manpower, people can do many things online rather than wasting time in branch
@drupal bhau. Aap problem me tabhi padenge jaab aap profile password bhool jaenge.