Which is the best private bank in India?

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aryayush

aryayush

Aspiring Novelist
Thank you! I am applying for this on Monday.

shashank4u said:
i ll recommend HDFC they have VCC(virtual credit card) facility ....i think all cc are free for life now....
You've got my interest and full attention. Care to give a few more details buddy? What do you mean by "free"? What is this VCC?
 

shashank4u

Youngling
VCC is Virtual credit card which will work like any other credit card but is available for one time use....it will have a temp. no which will expire n 24-48 hours ...and no other bank has this technology by this time....

you can make VCC of any denominations and can buy anything online ...you can even use it for paypal...

for eg you make VCC of 500 Rs and make purchase of 450 rs then the remaining balance will be credited in your account in 24 hours this thing they say but some people get there balance in 4-5 days maxi to 30-40 days ...

but the service is really good ..you even have their netbanking facility for free..

to use VCC you must have HDFC debit or credit card..

Hope this helps
 

sandeepk

Journeyman
shashank4u said:
VCC is Virtual credit card which will work like any other credit card but is available for one time use....it will have a temp. no which will expire n 24-48 hours ...and no other bank has this technology by this time....

you can make VCC of any denominations and can buy anything online ...you can even use it for paypal...

for eg you make VCC of 500 Rs and make purchase of 450 rs then the remaining balance will be credited in your account in 24 hours this thing they say but some people get there balance in 4-5 days maxi to 30-40 days ...

but the service is really good ..you even have their netbanking facility for free..

to use VCC you must have HDFC debit or credit card..

Hope this helps

Thanks for this information. I have HDFC bank account but they have provided a Mastercard international debit card to me. So currently I cannot use this facility:( But I think I can apply for another debit card now which is a visa one. What difference is between a gold and regular debit card? Which one is better? Sorry for break in:smile:
 

amol48

Searching...
ICICI rocks.. no other bank gives you 8-8 service for 6 days a week.. Apart from that their customer care no. is of Airtel and it costs only 10 paise to me :) LOL
 

mustang

Broken In
i think hdfc is one of the best private bank in India,because they provide much more facilities to their customer comparatively to other private banks.
 

Sukhdeep Singh

Host4Cheap.org
shashank4u said:
HDFC and ICICI are the best banks...
i ll recommend HDFC they have VCC(virtual credit card) facility ....i think all cc are free for life now....

Right! Awesome service to me since i try a lot of things on net :)

HDFC rocks
 

shashank4u

Youngling
@sandeep
i ve heard about silver and gold credit cards but never heard that thing in regard to debit cards...

you will get a easy shop international VISA debit card ..don't know if its silver or gold or platinum :d

Go ahead and apply for a debit card ...

sukhdeepsinghkohli said:
Right! Awesome service to me since i try a lot of things on net :)

HDFC rocks
good to know your views ...
 

shashank4u

Youngling
previously all credit cards are charges yearly but now you don't have to pay yearly fees...they are free for life....but they do make adjustments in billing...
ICICI and Citibank are known for their adjustment :D....again i prefer HDFC...they have a clear policy and no hidden charges ..as far as i know...
 

ThinkFree

Technomancer
ICICI best bet overall . You would get a free credit card as well and you can withdraw money from Any bank's atm if you maintaink an AQB of Rs. 10000.But you pay debit card fee or Rs. 100 pa
 

ThinkFree

Technomancer
aryayush said:
Which credit card do they give?

the credit card(silver/gold/platinum/titanium or whatever) and credit limit depends on the area in which applicant lives and his income. All banks adopt same procedure.
Another thing that goes in there favour is that they are open 8AM - 8 PM on weekdays including Saturday

If talking about services of banks in metros like Delhi and Mumbai, I think ABN Amro is the best bank in India as they are open 365 days a week and some branches are twenty four hours open on usual working days. But they won't give you all the services for free.
 
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