Fees & Charges
Promised Interest Rate
"I do have a credit card with ICICI Bank and using it for almost 6 to 7 years. There was no annual fee which am happy. The customer service and response was good. I can convert the payment into EMI and there was no charges.They don't provide much offers.The credit limit was satisfactory."
I took my two wheeler insurance from Bajaj Allianz last year. It was suggested by my friend because he is working. I have paid approx 1000 rupees to purchase the policy. I never had a customer service experience and no claim. The benefits are good and its a third party insurance.
I have taken a two wheeler loan before 3 years which has been completed and it stills showing on my credit score even have NOC, I have purchased a Yamaha FZ with the help of Capital First. I have paid down payment around 30 to 35%. The service is good. I have called them and informed about this but still it was not resolved. The interest rate is nominal.
I have taken a personal loan from Kotak Mahindra Bank and it was closed in the year of 2018. My experience is not good, have not received NOC on time. They need to improve the customer service. The rate of interest is more compared to others. The documentation process was easy but foreclosure is very difficult.
The customer service is not up to the mark in State Bank of India, actually have contacted them to redeem my points last month and till now have not received the voucher for 1500 rupees which am not happy. They have not gave me any kind of response. There are hidden charges. I am using FBB Styleup credit card for 3 to 4 years.
I am using HDFC credit card for past 2 to 3 years. It was helpful for multi purpose like shopping, online payment. The credit limit was 75K which is sufficient to me. It is a life time free credit card. I have contacted the customer service and they are providing good response. There was hidden charges.
I do have a credit card with ICICI Bank and using it for almost 6 to 7 years. There was no annual fee which am happy. The customer service and response was good. I can convert the payment into EMI and there was no charges.They don't provide much offers.The credit limit was satisfactory.
I am using ICICI salary account for minimum 10 years. My experience is good and have no issues with the customer service. I am doing all the transaction through ICICI debit and credit card. The mobile banking is more secured. The rate of interest is mostly higher in ICICI Bank compared to other banks.
I also have a jumbo loan taken on the credit card with HDFC Bank. The customer support is good and they are responsive a well. The customer support and response is fine and I got the funds immediately. The rate of interest and charges is nominal too.
I have taken a personal loan from State Bank of India. The services and the process is good. The bank is also high on the GST and processing charges. The rate of interest is also high and they need to work on that. I received the loan in two days. Good in all.
I bank with State Bank of India for the savings account. The online banking is good and there are no hassles in the process. The customer support and response is good and till date it has been easy to bank with them. There are no charges taken for the transactions.
I am pretty happy with HDFC Bank. I use the credit card and it is a life time free card. The credit limit is good. There are offers on the card and I get a lot of deals on the departmental stores too. The customer support and response is fine and there no hassles.
The mobile application is very good at State Bank of India. The reward points that is earned is shown there and all the transactions too so I can check the same. It is user friendly and the credit limit is good. It is a chargeable credit card and if I use the card for a lakh there would be no charges.
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