Salary account icici reddit. Also, i have an education loan with HDFC so I'm reluctant on opening account with HDFC. On the other hand my friend has HDFC account with preferred I current have my Salary account with ICICI bank with monthly salary of 2. According to her, for Invest-it account, choose that bank which has excellent interface, mobile and online and good security systems. I am going to join TCS soon. SBICard's credit card offerings are nowhere near HDFC. I've two bank account. I think HDFC gets a lot of hate (mostly because of their bad app interface) but it's the most generous bank Let me share my this week’s experience with ICICI. However, post aquisition , I do not want to move my account to Axis, hence looking for options. I have a Salary Account with ICICI with Salary Wealth Status I receive emails from Wealth Management instead of standard ICICI I had actually upgraded ny account to Titanium The ONE Account. As soon as his salary comes in ICICI, he transfers certain amount to his HDFC Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. I've a salary account is in Citibank since over a decade. ICICI anyway not offering me anything special in terms of card and other benefit. Bank employees can see all our bankstatements just by searching our name in their database . Despite this, ICICI declined issuing a paid emerald metal credit card without Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. I was at bank for something and I asked branch manager that do you guys provide anything to your old customers (my salary account is in ICICI) ? He checked and found I’m using amazon pay and platinum card which is basically a crap. I need to open a salary account. As you are targeting LTF cc mostly. Salary account benefits are not anything magical. In my experience they are the ones who are most liberal with the credit limit. Discover the ICICI Bank salary account benefits, interest rates, account opening process, eligibility criteria, and documents required. Credit card is based on your credit score which is unrelated to the demat account. ICICI RM just emails with offers now and then and responds when required. As far as I know, banks offer different packages for salary transfer, and also some of them have good privilages for I am thinking of moving salary account from icici to hdfc to obtain premium HDFC cards like DCB and inifnia as LTF. I had a salary account with ICICI bank, after I left my job, I think it automatically got converted into a savings account. Tl:Dr; Have a salary account with ICICI, since 2013. So, the main difference comes in how they treat the customers in case there is a problem. My company has no tie ups but due to many employees or earlier tie ups and after talking to many bank employees I finally found out that. Now that it has changed, I guess it would be converted to savings a/c. Sharing it here for everyone. Website / App is okay experience . Its not a salary account anymore and I visited home branch only once, never faced any issues. They've provided a list of banks to choose from, I intend to open a new salary account and have 4 options: Axis Bank HDFC Bank ICICI Bank SBI. During one drunk casual talk , he was telling about how much all our friends earn and how they are spending the money. Explanation: Basic functions and services of the bank are similar. The real benefit is primary that they are 0 balance accounts. Pleaee suggest which one should I go for. Debit card fee and all is like ₹100 per year. Sapphiro/Emaralde LTF will be good to have but not aiming for it. When I asked the company I joined they referred ICICI so I went to the branch and asked to open a salary account and 2 points have always irked me. Today, I had a rude Hi Guys, My current salary account is with ICICI. You can open a salary account on any bank you want. Tell them that you are planning to move your salary account, this much is your salary and ask which credit cards can they offer you on LTF basis. I've seen employers mandating specific banks to have salary account with (for instance, my employer mandates HDFC for salary account). ICICI was offering Emeralde as LTF for >2. I personally used Standard Chartered. I have coral/mmt sig/apay. I am drawing 1 lac plus salary per month. It costs less than the autowala cost to go to bank and update this. Lets folks in this sub correct me. 5L after taxes. 50,000. Banks I would prefer Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. This is what I was told before I got my salary account opened in ICICI. I'll be joining my first org soon and my in hand will be just around 1L+. 1000 00 lakh deposit to get a new savings Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. 101 votes, 49 comments. There is no privacy . Can you guys help me distinguish which bank will be beneficial for me? Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. Which one of these should I go for and what are the cards I can expect? I already have an ICICI account but I did not activate their credit card because they said Rubyx but sent Coral so I'm thinking of closing that account off. So salary a/c in ICICI was basically zero balance one. Last year, my transactions totaled 1 crore, with an average FD balance of 20 Lakhs. But online service gets most of the work done. You can get a HDFC food card without a HDFC salary account Visit the nearest HDFC/ ICICI bank during the last 20 days of a quarter. Thinking of moving my salary account to HDFC or Axis. CIBIL - 794. TLDR - HDFC better than ICICI towards its customers. I intend to open a new salary account and have 4 options: Axis Bank HDFC Bank ICICI Bank SBI. Planning to open a salary account, and TCS has tie-ups with Axis, HDFC, SBI, Kotak, Standard Chartered, and ICICI. Consider applying for the ICICI Amazon Pay credit card, which is a lifetime free (LTF) card. Get the cc. I have been offered a choice of these 3 banks for the opening of the salary account with the below-mentioned offers. Not only here when I applied for Amazon Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. Axis, HDFC, ICICI and Citibank are the only 4 choices provided by my current employer. I already have 5 cards from axis including Atlas. I have been given a few options: Axis, HDFC, DBS, HSBC and ICICI. Can y'all please share your experiences with the above mentioned Icici RMs always force you to open an account depending on their target of balance for the month. I also had salary accounts in both at different points in my career. Plus charge you for every little thing. 7Lpm. Title. Recently I found out that ICICI Gold and Titanium privilege accounts now have NEFT charges (outward). Now i finally have a full-time job with 5. In 2-3 months time open salary account in other. Get their cc. I have recently joined a company and hence Hi redditors - I recently got an offer from a company and there are giving me 2 salary account options: ICICI - ICICI wealth account (or Select Plus), with International World Debit card and supposedly LTF Sapphiro credit card (which I already have apart from Amazon Pay card) Axis - Axis Burgundy account, with Burgundy Debit card, and LTF Select credit card From my I have an ICICI and Axis bank account, I don't know the exact variant. Hello everyone after so many months of randomly lurking on the thread I finally am on the boat with other like minded people. Let them know that you're in the process of evaluation and your decision will be solely based on which cc they provide. I would suggest connecting with corporate RM before opening account as once you are an existing customer, no amount of negotiation will work unless I have been thinking about how to deal with money managment for quite some time. I had explored Salary accounts with different banks for Salary 1L+ / Month. Which one should I choose? Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. I had a savings ac but converted it to salary from the app. Strict no no. And citi also gave me a cashback credit card (with almost LTF ) when it was not a fad to have cashback card. IMO, not worth switching. Whoever they find they start quoting the amount what comes to their mind. I've heard that even if you're not getting salary for months in your ICICI account, it still stays a Salary account even though their T&C says it should be converted to a regular savings account if the salary is not credited for more than 3 months. RM is useless, who calls randomly to plead for creating FDs. I'm looking to open an account in HDFC/ICICI/AXIS/KOTAK. Never faced any issue. I think icici and hdfc better Contact icici and hdfc both. Avail premium credit cards and manage account digitally with iMobile App. My company said they would transfer my salary to any bank account. You get the same kind of interest which is From experience in general (not salary account specific): Hdfc- worst service. Check who is giving you better cc. This was just given to me by the bank for my personal and only account. Nothing hugely relevant for a normal consumer like yourself. I will get my first salary soon. And transfer money from one Burgundy itself is a good salary account. My current salary is around 40LPA. Note that all the above are experiences of NRE accounts of incoming amounts well above an I have savings account in both. I already have an HDFC Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. This appears but when I go ahead and apply for a credit card, they reject my application. Information available is that this is going to be my first salary account and i plan on keeping it long term. If not, just upgrade to wealth salary account. I'm using HSBC for my salary, it's been 2 years but I think it doesn't have any advantage when it comes to salary account. Enjoy more than a Salary account with seamless Banking and investments. Never had any issue with either of them in terms of monetary services. But since you're with ICICI, I guess you have a wealth salary account (if your iMobile app colour is black) which also give this sort of debit card benefits. Seeking Advice on moving on from ICICI I've had an ICICI account for nearly 8 years, initially as my salary account (earning 30 LPA) but now used as my sole banking account. Right now I need one help from your experience. Since I'm kind of their privileged customer, I have been provided Sapphiro CC for LTF. Here are my questions: Do I need to visit my home branch to get it closed or can it be done through any branch? I havent maintained Once, it happened with a colleague of mine, account in ICICI, where his salary was credited but not deposited in his account even after 7days. Charged me for annual maintenance fee of a debit card, that I've never Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. My college friend was working in icici Bank. Don't even need our account number or our permission. One minor trend I have observed with HDFC is how unapologetically inefficient their customer care is nowadays. ICICI also has a good UI. Since you don’t seem to have a preference across the banks look at the facilities each offers for a salary account & see if there is anything of interest to you. Didnt need any tie up. Hi everyone, I've just landed my first job and I received an email from the company (Deloitte) requesting that I open a Salary Account. I have an account with HDFC and my wife has one with ICICI. PS: No past credit history with ICICI, just a salary account with zero fixed deposits :) ICICI Bank charging GST for Zero Balance account Salary account I am not sure if this is supposed to be done or not I had opened a zero balance salary account with ICICI Bank and now I recieve an invoice on my mail regarding this Amount is just a paltry 30 Rs. Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. I have been offered a choice of these 3 Please help me out deciding in which bank I should open a Salary account? Which banks have lots of pre approved offers and has a good mobile banking application. The guy may be a fraudster or some sales person for ICICI, either way they can't force you to do this. I have 3 SBI cards (Delhi metro which they converted to LTF,Cashback card and recently BPCL octane. The best salary accounts in 2025 offer high interest rates, zero maintenance charges, free insurance cover, overdraft facilities, and exclusive lifestyle benefits. I opened my salary account with ICICI but they are not giving me any credit cards. 5L net monthly so you can check that out too. I am leaning towards Axis, and Standard Chartered. Anyone went through similar issue, please share your experiences. I have recently joined a company and hence wanted to open an salary account. ICICI: current salary account. And food card is not linked to your salary account. But this is the first time, I'm hearing about credit cards being mandatory with salary account. Is there some extra procedures one needs to follow to avoid surprises? Changed salary account from HDFC to ICICI and then later to Citi now. A salary account is a way for banks to have cheap deposits so they offer benefits to the customers like Credit card annual fee waived off, privilege banking etc. I want to close that account now. 5Lpa ctc and i was thinking to get a new separate salary bank account with icici Need help in selecting Salary Account (HDFC vs ICICI vs Kotak Mahindra) I will be joining corporate with an expected salary of around 1. Okay so my options are AXIS, HDFC, SBI, KOTAK, ICICI, YES, IDFC, Citi Bank, DBS Bank. Let it convert to a normal savings account and be relaxed. But I am not sure if they are supposed to be charging it in the first place Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. Always ICICI. I was planning to open an account with HDFC but from what heard their customer service is not good. I opened a salary account with ICICI recently coz my conpany doesnt have a tieup with any bank apparently. Axis: the reps want me to open a "preferred" account. Need help in selecting Salary Account (HDFC vs ICICI vs Kotak Mahindra) I will be joining corporate with an expected salary of around 1. One of my colleague has a system where he manages three bank accounts. They are offering me SBI elite as an upgrade but not for free even after having salary account with SBI for so long and being their preferred customer. then I called BM of another ICICI Branch and told me Rs. So I have recently joined a company where it is mandatory to have an ICICI bank account for the salary to be credited. This comparison highlights top banks like RBL, IDFC First, Axis, ICICI, Salary Accounts don't incur any charges on NEFT / RTGS / IMPS etc. Source of this info was mainly websites, some customer care calls and threads on Technofino. I was really shocked. Please help. So I need to open a salary account. There is no compulsion that you have to open a demat account. See, if you can get a salary account with the ICICI Bank. ATM withdrawal across any ATM, any Bank Chequebooks Debit Card However, there are some savings accounts that also have these features. I can open an account with Axis Bank but again their credit card offers are not great. Bank agents are calling me to offer me a cc (HPCL coral) for my salary Account. The only drawback with foreign banks is that once you do not have a salary income, they would insist you maintain minimum balance of 50k n upwards which gets cumbersome at some point. Open salary account first. ICICI, Axis- good service but vigilance required as they may start charging you for something you didn't even know you use SBI- in person service very bad. A salary account is a zero-balance account offered by banks to employees for hassle-free salary credit and day-to-day banking. I got my first salary yesterday morning and within an hour I got a call from a random number trying to sell me a 'lifetime free' credit card. Also, i hate minimum balance trueHello Redditors, I joined a wealth management startup. The call was answered by my wife but the lady on the other end gave out every info about my account accurately, including my salary It's easier to obtain a card from the bank where you hold your salary account. Since January this year, it has 1 rupee remaining in it. ICICI Bank offers corporate Salary Accounts to employees & employers. Which bank account will give more benefits? ICICI - Privilege written on top in net banking and debit card has titanium written. I suggest, you should visit ICICI branch and tell them about this. Main thing is salary account is zero balance, slightly less transfer fees (few ₹ diff), fee for debit card etc. . These are all the banks my employer has tie ups with. Ok I have a "salary account" with ICICI which I opened 3 years ago. Citi is best, RM is not even required, things get done online or via helpdesk. Even though I had an existing ICICI account, I thought of giving DBS a chance. You can change the salary account detail in your employer portal. For ICICI any branch is home branch. I would say go with a Desi bank and HDFC has lot of glitches in terms of online banking with high failure rates these days, Axis is better can also look at ICICI. My employer has mentioned these banks: HDFC, ICICI, Citibank, Standard Chartered, City Union Bank, SBI, and Axis Bank. I slowly withdrew all the money in the account. I will be joining TCS with a monthly salary credit of around ₹45,000. ICICI is showing tantrums to give me even a Sapphiro card, even though I have applied under the Alumni scheme. I have an account with a PSB, services are the worst so I was thinking I will open a new bank account and execute all the official transactions on it. I showed them my salary slip and the registered name of my company was not available on their database. ICICI. Or rather, there used to be. Axis - Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. Here is my hack. She has strongly recommended to have three bank accounts - one is Salary Account, Second one is Spend-it Account for all the expenses, and third one Invest-it account. I am interested but they are insisting me to share my corporate mail id which I am reluctant to share (Its a WITCH company). With my new employer (2 years back), I had the option of having the salary account either with ICICI Bank or DBS. I have a privilege saving account with ICICI bank and whenever I open my Internet banking page. Will they give me a I was told that to open an savings account the accounts employee in ICICI branch told me need a cheque /cash deposit of Rs. In general, service is also pathetic. Please let me know if I Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. mpw ouc rtuxlcsog bgip bbxhsd oyi rbjpm fivqp ctjn jemvq