It is a two way traffic where both the customers and banks benefit.. Banks provide us security and an opportunity to invest and earn. Nowadays using your debit card earns you payback points and one can utilise these points anywhere while buying things or booking air tickets etc etc...Throough ICICI Bank I already got Rs1000 airmiles that I can redeem anytime I travel and also many gadgets ...You need to be aware of all the facilities and opportunities available to you so that you dont miss out on what is due to you ..

True.. The fact about Payback points is new to me. This way customers like me may lose such advantages. Hence it's essential to know all the features and facilities of the Bank through proper channel. I have seen through customer relations Managers of HDFC doing yeomen service i this regard. But one should approach the right person.

Payback points is not a new concept, even I have used it to avail off on flight tickets..payback points can be earned by customers when they do online transaction.

OK, IT MAY NOT BE A NEW CONCEPT. For me it's a new concept . Because I never bothered to know about this feature. And there are many like me. For them this link article helps.

Certainly, there are other points in this article about which am not aware or many may not be aware for example, "Usually, there are better options than just getting an ATM card blocked if you ask for it."..all I knew that we have to block the card and issue a new one. However, I will now have to ask or google what are the other measures in case of theft/ loss of debit card.

Many seasoned customers who were having relations with Banking are not aware of the many features of the Bank. One will not be a loser if he asks and knows about things.

Asking questions never makes any one a loser..it only increases our knowledge and makes us wise.

By Asking we are the beneficiaries. Otherwise we will be lrn in the darkness forever.

Yes..there are lot of new schemes that we are not aware of..so we should also visit the bank website to get information...followed by talking to customer care executives for further clarification.

There are some Banks who have their In house Bulletens. Just subscribe to them and you will be getting latest information about all aspects of the Bank.

Ok will do. Another concept about which I recently came to know about is transferring money to someone who does not have any bank account or whose bank account number is not known to you. Such people can still withdraw money from any ATM just using a pin they receive in their cell phone..which the person or the depositor needs to share.

This is new to me. It means different Banks have different provisions, which can be known after contacting the Bank authorities.

Yes, i think ICICI bank and Axis bank offers this facility...i not sure about other banks..though. I found it very helpful..

May be. As I said each Bank has its own set of provisions. What ICICI offers and provisions offered by another Bank may be different.

Yes, you are correct different banks have different provisions..may be these provisions are offered by other banks too, but the term they use is different of which we may not be aware.

HDFC 'S Customer relations managers very patiently answer all your questions while explaining the differences between the offers Of HDFC and other Banks.

It is a two way traffic where both the customers and banks benefit.. Banks provide us security and an opportunity to invest and earn. Nowadays using your debit card earns you payback points and one can utilise these points anywhere while buying things or booking air tickets etc etc...Throough ICICI Bank I already got Rs1000 airmiles that I can redeem anytime I travel and also many gadgets ...You need to be aware of all the facilities and opportunities available to you so that you dont miss out on what is due to you ..

True.. The fact about Payback points is new to me. This way customers like me may lose such advantages. Hence it's essential to know all the features and facilities of the Bank through proper channel. I have seen through customer relations Managers of HDFC doing yeomen service i this regard. But one should approach the right person.

Payback points is not a new concept, even I have used it to avail off on flight tickets..payback points can be earned by customers when they do online transaction.

OK, IT MAY NOT BE A NEW CONCEPT. For me it's a new concept . Because I never bothered to know about this feature. And there are many like me. For them this link article helps.

Certainly, there are other points in this article about which am not aware or many may not be aware for example, "Usually, there are better options than just getting an ATM card blocked if you ask for it."..all I knew that we have to block the card and issue a new one. However, I will now have to ask or google what are the other measures in case of theft/ loss of debit card.

Many seasoned customers who were having relations with Banking are not aware of the many features of the Bank. One will not be a loser if he asks and knows about things.

Asking questions never makes any one a loser..it only increases our knowledge and makes us wise.

By Asking we are the beneficiaries. Otherwise we will be lrn in the darkness forever.

Yes..there are lot of new schemes that we are not aware of..so we should also visit the bank website to get information...followed by talking to customer care executives for further clarification.

There are some Banks who have their In house Bulletens. Just subscribe to them and you will be getting latest information about all aspects of the Bank.

Ok will do. Another concept about which I recently came to know about is transferring money to someone who does not have any bank account or whose bank account number is not known to you. Such people can still withdraw money from any ATM just using a pin they receive in their cell phone..which the person or the depositor needs to share.

This is new to me. It means different Banks have different provisions, which can be known after contacting the Bank authorities.

Yes, i think ICICI bank and Axis bank offers this facility...i not sure about other banks..though. I found it very helpful..

May be. As I said each Bank has its own set of provisions. What ICICI offers and provisions offered by another Bank may be different.

Yes, you are correct different banks have different provisions..may be these provisions are offered by other banks too, but the term they use is different of which we may not be aware.

HDFC 'S Customer relations managers very patiently answer all your questions while explaining the differences between the offers Of HDFC and other Banks.

It depends on a person..not really on the bank..whether they willfully and patiently explain things to the customers or not.

Although the SBI and other Nationalised bank staff may be laid back while giving details, the private bank employees are really smart and let the customers know all the new rules and benefits that the bank offers since it is in their own interest to do so,..

Although the SBI and other Nationalised bank staff may be laid back while giving details, the private bank employees are really smart and let the customers know all the new rules and benefits that the bank offers since it is in their own interest to do so,..

True. This aspect is very much prevalent in private banks. In HFDC, THE STAFF's willingness to cooperate and guide the customers is visible in more than one ways. At the very entrance., the customer will be met by a smiling Bank's employee and finds out the customer's needs and directs towards the relevant counter.

Although the SBI and other Nationalised bank staff may be laid back while giving details, the private bank employees are really smart and let the customers know all the new rules and benefits that the bank offers since it is in their own interest to do so,..

True. This aspect is very much prevalent in private banks. In HFDC, THE STAFF's willingness to cooperate and guide the customers is visible in more than one ways. At the very entrance., the customer will be met by a smiling Bank's employee and finds out the customer's needs and directs towards the relevant counter.

That way smaller co operative banks too provide their customers with good service besides giving a higher rate of interest for fixed deposits...

Although the SBI and other Nationalised bank staff may be laid back while giving details, the private bank employees are really smart and let the customers know all the new rules and benefits that the bank offers since it is in their own interest to do so,..

True. This aspect is very much prevalent in private banks. In HFDC, THE STAFF's willingness to cooperate and guide the customers is visible in more than one ways. At the very entrance., the customer will be met by a smiling Bank's employee and finds out the customer's needs and directs towards the relevant counter.

That way smaller co operative banks too provide their customers with good service besides giving a higher rate of interest for fixed deposits...

But Grameena Banks least bother a bout its customers. They wont talk even to any customer needs. They simply keep silent.

Although the SBI and other Nationalised bank staff may be laid back while giving details, the private bank employees are really smart and let the customers know all the new rules and benefits that the bank offers since it is in their own interest to do so,..

True. This aspect is very much prevalent in private banks. In HFDC, THE STAFF's willingness to cooperate and guide the customers is visible in more than one ways. At the very entrance., the customer will be met by a smiling Bank's employee and finds out the customer's needs and directs towards the relevant counter.

That way smaller co operative banks too provide their customers with good service besides giving a higher rate of interest for fixed deposits...

But Grameena Banks least bother a bout its customers. They wont talk even to any customer needs. They simply keep silent.

Even post offices, the staff in post offices never answer anything and do the job at their own pace. Opening any kind of savings in a post office is a big mistake.

Although the SBI and other Nationalised bank staff may be laid back while giving details, the private bank employees are really smart and let the customers know all the new rules and benefits that the bank offers since it is in their own interest to do so,..

True. This aspect is very much prevalent in private banks. In HFDC, THE STAFF's willingness to cooperate and guide the customers is visible in more than one ways. At the very entrance., the customer will be met by a smiling Bank's employee and finds out the customer's needs and directs towards the relevant counter.

That way smaller co operative banks too provide their customers with good service besides giving a higher rate of interest for fixed deposits...

But Grameena Banks least bother a bout its customers. They wont talk even to any customer needs. They simply keep silent.

Although the SBI and other Nationalised bank staff may be laid back while giving details, the private bank employees are really smart and let the customers know all the new rules and benefits that the bank offers since it is in their own interest to do so,..

True. This aspect is very much prevalent in private banks. In HFDC, THE STAFF's willingness to cooperate and guide the customers is visible in more than one ways. At the very entrance., the customer will be met by a smiling Bank's employee and finds out the customer's needs and directs towards the relevant counter.

That way smaller co operative banks too provide their customers with good service besides giving a higher rate of interest for fixed deposits...

But Grameena Banks least bother a bout its customers. They wont talk even to any customer needs. They simply keep silent.

Even post offices, the staff in post offices never answer anything and do the job at their own pace. Opening any kind of savings in a post office is a big mistake.

The poor vexed customer out of helplessness, leaves the place. But I.m not the one to leave like that. I take the complant book and report to the Ambudsman, I blame the customers. Most of the customers are not aware of their right. It's due to this reason, some Banks are thriving with their faulty ways.