u/Electrical-Pirate910

I have an HDFC SavingMAX savings account and maintain ₹4 lakh+ with HDFC (savings balance + FD).

Despite this, HDFC keeps giving me a pre-approved BizGrow credit card offer, but I don't need that card. I specifically want the HDFC Millennia Credit Card as LTF.

Has anyone been in a similar situation? Is there any way to improve my chances of getting a Millennia LTF offer, or should I contact my RM/branch and request it?

Any suggestions or recent experience with HDFC would be helpful.

ICICI is currently showing me a pre-approved Coral Credit Card in the app, but the card I actually want is the Amazon Pay ICICI Credit Card.

Also, around 7 days ago I submitted a request to upgrade my savings account from Privilege to Wealth, but I haven't received any update yet and the account is still showing as Privilege.

Should I:

• Accept the pre-approved Coral card first and then apply for the Amazon Pay ICICI card later?
• Or skip Coral and directly apply for the Amazon Pay ICICI card?

Would waiting for the Wealth account upgrade improve my chances of getting the Amazon Pay ICICI card or a higher credit limit?

Would love to hear from anyone who's been in a similar situation.

Hey everyone,

Looking for a premium bank account that I can get with around ₹2-5 lakh as the initial relationship.

The only catch is I don't want any non-maintenance charges later. I'm okay if the bank removes premium benefits or downgrades the account, just don't want penalty charges.

I already have an SBI Wealth account, so looking for other options.

Any recommendations?

I have a regular PNB savings account, and in the PNB ONE app I have both options:

• Apply directly for the Imperial Select Debit Card (₹600 + GST issuance, ₹900 + GST annual fee), or
• Upgrade to Elite Executive Account, where the card is free.

The brochure says that if the ₹1 lakh MAB isn't maintained, no penalty will be charged, but the scheme's freebies/concessions will be withdrawn.

My question is: If I upgrade, get the free Imperial Select card, and later don't maintain the ₹1 lakh MAB, what exactly happens? Does the card remain free but lose its benefits, do they start charging the normal issuance/annual fee, is the account downgraded, or is the card blocked/closed?

Has anyone here actually experienced this?

So I've been using the SBI Wealth RuPay Select card for a while now... it's decent but not blowing my mind tbh 😅

Before I go card-hunting, wanted to check with you guys first — is there any other Select series debit card (any bank) that actually beats SBI Wealth in terms of benefits? Lounge access, cashback, rewards, whatever perks you're getting.

If you're using one and it's genuinely better, drop the name below 👇 trying to make a smart switch, not just a random one.

Thanks in advance!

Hey guys, need some help understanding this.

In PNB ONE app, there are 4 Select debit card options — Personalised, Excel, Optima, and Imperial Select.

1. If I upgrade to Executive Elite Savings Account, do they auto-issue the Imperial Select card, or do I have to apply for it myself in the app?
2. If that card comes free with the Executive Elite account, but I don't maintain AMB and my account gets downgraded to a General Savings account later — will they charge me the issuance fee afterward? Or is the card free to issue for the first year no matter what, and I just pay the annual fee from year 2 onwards?

Anyone who's been through this, please share your experience 🙏