Brah, I used to have some CCs with HSBC. My experience with them handling practically any requests (e.g. changing the residential address) was the worst ever for any bank I had an account with. Nothing was smooth, all required multiple calls/personal visits to the outlets and often, after all this, still did not work.
For DBS I don't like two things: 1) some money transfer operations can take up to 3 days to appear on the list while exactly the same for ocbc is instant; 2) It's a bit complicated and I don't want to get into details, but basically I requested some adjustments to the max spending limits distribution and they refused it. I still got what I wanted by terminating some of the services and and readjusting what was left. What I terminated with dbs I opened with another bank. They lost extra profit because of this. Such short-sightedness in a pretty obvious case is like saying to the customer, you are an idiot.
Just did some back of the envelope calculations, even if you had converted to INR at the beginning of the worst period of INR depreciation, you would still be better off being in INR if you take the interest rate into account.
