Nanducob
Wise Old Owl
do you have a job?if yes then you can avail a CC @ less,otherwise you need to put around 20k INR as FD.
[Must Read] Information regarding Indian Debit Cards.
Piyush
Lanaya
Yup , have a job. Can I get SBI CC, if any?
nikku_hot123
In the zone
As a banker i would suggest to go n ask to the bank where u r getting your salary, coz im my opinion all CC should work for international txns, n for ur bank u are old customer n might have some repo too.
Piyush
Lanaya
I created account with SBi when I passes my 12th class. But got my debit card recently. So, I think I'll go ask them regarding this. Thanks for the helpAs a banker i would suggest to go n ask to the bank where u r getting your salary, coz im my opinion all CC should work for international txns, n for ur bank u are old customer n might have some repo too.
Nanducob
Wise Old Owl
yes,I have a ICICI CC(20K INR FD,85% usable) rewards(payback points) and people say its better,been using for a month,lets see what happens.
arijitsinha
﴾͡๏̯͡๏﴿ O'RLY?
+1
Credit Card against FD is the most hassle free way to get a CC. SBI might have this option also.
The Cards are issued instantly, and will be activated in 2-3 business days. No documents/no verification required.
But when I applied for normal HDFC Credit Card, lot of documentation, verification calls, after that first one got rejected, even though I have a job.
prehistoricgamer
Q.C Passed. Tested. OK
I'm extremely oblivious to banking. I want to open a new bank account. Here are my requirements and some questions I'd like to seek answers for.
Any constructive help is greatly appreciated.
Here are the pointers & questions that I'd be glad if I got concise answers to.
Any constructive help is greatly appreciated.
- I mainly want to use this account for receiving funds from PayPal / Elance.com
- I would also use this account to put my small earnings ( less than 10k per month ) into.
- I would make online purchases from desi e-commerce sites like Flipkart, myntra, inkfruit etc.
- I might make online purchases from international sites like steam, gplay etc.
- I require a bank account that has no minimum balance requirement or a requirement with a less amount (less than 5k).
- The debit card and / or credit card should enable or allow me to make the above listed transactions.
- A decent customer service
Here are the pointers & questions that I'd be glad if I got concise answers to.
- What type of account should I open?
- Also, what type of debit and / or credit card should I be getting to be able to make the above listed transactions.
- Your final suggestion in one word or a few for the Bank I should opt for opening an account that respects all or most of the above-mentioned requirements.
except 4 you can get all the rest from any public/nationalized bank savings account(like sbi,pnb etc) so choose depending on the condition of the local branch(which bank's branch is least crowded in your area).for pt.4 your only option is ICICI zero balance savings account:
Zero Balance Saving Account | Zero Balance Account - ICICI Bank Basic Savings Account India
Zero Balance Saving Account | Zero Balance Account - ICICI Bank Basic Savings Account India
@ prehistoric gamer
AQB (Average Quarterly Balance) depends on the area where you reside. These days most private banks will ask you to maintain 10,000 rs. Only in rural areas are they providing 5000 AQB. you can try ING vysya though. In my city udaipur they are still letting customers maintain a 5k AQB.
As for international transactions and purchasing, get entropay. Its a virtual credit card service. They will provide you with a prepaid virtual credit card to use exusively for online shopping at international merchants and sites. You can load funds on it using your (any banks) debit card with mastercard or visa logo. Initially when you'll start you'll have to load minimum 20$ or a ove to use it. But if you like it and you'll if you want to shop online more than an average customer would, you can simply upgrade the account to basic by confirming your email address. After that your minimum funding will come down to 5$.
One more thing to remember is that entropay after awhile will ask you to either validate or verify that you are the proper owner of the debit card you are using to fund your card. You can do this either by validating through their jumio service which requires you to put your card in front of a webcam (only front side having the card number). Or you can verify via their paypal like verification system wherein they send a unique 4-digit code via a transaction on your debit card in which your debit card is charged 1$.
I had a lot of trouble getting my axis bank debit card VERIFIED in their process because somehow the 4-digit code wasn't coming in the transaction details. After a lot of hassle with both my branch and Entropay support was i able to get my card verified. I chose to VALIDATE my card too but due to my card being an "image card" i wasn't able to. The image was hiding the card numbers because of which their webcam service couldn't capture it. Note to self- don't get an image debit card unless you're a compulsive show-off.
I was easily able to get my ING card validated because the numbers were clearly visible.
P.S.- if you plan to do much online shopping get a separate account for that other than your main savings account. Use that account and its debit card for as much national/international payments and transactions you need. Because especially in case of entropay, if you check on internet, people have complained they would sometimes freeze the funding source of your entropay account i.e. the debit card or the bank account you'd use to fund your EP card. Although more often than not there has been something fishy about the situation of people having this issue. It is as entropay has put it their way of ensuring their top of the class security system. Not to say it is bound to happen to everyone, still always take some facility like entropay with a grain of salt. Using a different bank account for such things with AQB + only enough balance that you need for online purchasing/payment, always ensures that you don't loose control over your main savings account if something goes wrong with the other account. Disputing such situations take their own good amount of time but you'll atleast have access to your main savings you could need at any moment. Besides, you can always transfer funds between these two accounts at your convenience as and when you need.
AQB (Average Quarterly Balance) depends on the area where you reside. These days most private banks will ask you to maintain 10,000 rs. Only in rural areas are they providing 5000 AQB. you can try ING vysya though. In my city udaipur they are still letting customers maintain a 5k AQB.
As for international transactions and purchasing, get entropay. Its a virtual credit card service. They will provide you with a prepaid virtual credit card to use exusively for online shopping at international merchants and sites. You can load funds on it using your (any banks) debit card with mastercard or visa logo. Initially when you'll start you'll have to load minimum 20$ or a ove to use it. But if you like it and you'll if you want to shop online more than an average customer would, you can simply upgrade the account to basic by confirming your email address. After that your minimum funding will come down to 5$.
One more thing to remember is that entropay after awhile will ask you to either validate or verify that you are the proper owner of the debit card you are using to fund your card. You can do this either by validating through their jumio service which requires you to put your card in front of a webcam (only front side having the card number). Or you can verify via their paypal like verification system wherein they send a unique 4-digit code via a transaction on your debit card in which your debit card is charged 1$.
I had a lot of trouble getting my axis bank debit card VERIFIED in their process because somehow the 4-digit code wasn't coming in the transaction details. After a lot of hassle with both my branch and Entropay support was i able to get my card verified. I chose to VALIDATE my card too but due to my card being an "image card" i wasn't able to. The image was hiding the card numbers because of which their webcam service couldn't capture it. Note to self- don't get an image debit card unless you're a compulsive show-off.
I was easily able to get my ING card validated because the numbers were clearly visible.
P.S.- if you plan to do much online shopping get a separate account for that other than your main savings account. Use that account and its debit card for as much national/international payments and transactions you need. Because especially in case of entropay, if you check on internet, people have complained they would sometimes freeze the funding source of your entropay account i.e. the debit card or the bank account you'd use to fund your EP card. Although more often than not there has been something fishy about the situation of people having this issue. It is as entropay has put it their way of ensuring their top of the class security system. Not to say it is bound to happen to everyone, still always take some facility like entropay with a grain of salt. Using a different bank account for such things with AQB + only enough balance that you need for online purchasing/payment, always ensures that you don't loose control over your main savings account if something goes wrong with the other account. Disputing such situations take their own good amount of time but you'll atleast have access to your main savings you could need at any moment. Besides, you can always transfer funds between these two accounts at your convenience as and when you need.
OP
skeletor
Chosen of the Omnissiah
Revolution
Wise Old Owl
Is SBI VCC working for amazon global or GEB payment ?
SaiyanGoku
kamehameha!!
I have SBI's maestro debit card and it didn't worked on humble bundle
Should I get a new visa card from SBI and disable the old maestro card? Does SBI's visa card works in humble bundle, google play and steam?
Should I get a new visa card from SBI and disable the old maestro card? Does SBI's visa card works in humble bundle, google play and steam?
funskar
Padawan
I have SBI's maestro debit card and it didn't worked on humble bundle
Should I get a new visa card from SBI and disable the old maestro card? Does SBI's visa card works in humble bundle, google play and steam?
Not at owl
SaiyanGoku
kamehameha!!
Not at owl
Ok, i won't. Still i would like to try to ask the local branch manager to do something about it.
basically, I'm going to troll him
@Revolution,SBI VCC is useless since it works only inside india & with indian rupees or in other words it works in only those places where any debit card works.it is just a marketing gimmick nothing like working of a actual VCC(like those from HDFC).
Which game are you looking to buy?
Fifa 14
origin must have charged some preliminary amount to entropay as my account balance is deducted by $0.82.
Guys who are able to make entropay work with origin, can you discuss what you entered in address and other details in origin?
Edit: Actually sale is going to end soon,so please anyone can reply soon?
origin must have charged some preliminary amount to entropay as my account balance is deducted by $0.82.
Guys who are able to make entropay work with origin, can you discuss what you entered in address and other details in origin?
Edit: Actually sale is going to end soon,so please anyone can reply soon?
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