How many bank accounts do you have and for what purposes?

[raghavx]

I hold following bank accounts

1. ICICI Bank (Savings) - For salary crediting and investments
2. IDFC First Bank (Savings) - for savings purposes, it gives good rate of interest.
3. DBS - Idk why I am still holding this.
4. Paytm Payments Bank - Had opened it long back, not sure why I am holding this too.
5. Fi.money - For day to day transactions as my primary savings account would get cluttered with few hundred rupees transactions.
6. Jupiter - Had opened alongside with Fi, thinking to close this.

 

[arjun]

Which is the best 0 balance account, I don't care if it's digital or physical, I just want for upi payments so my main accounts don't get cluttered

 

[varun__goel_]

Which is the best 0 balance account, I don't care if it's digital or physical, I just want for upi payments so my main accounts don't get cluttered

Kotak 811
AU Digital Savings Account
BoB bro/lite
If you are not a customer of ICICI Bank, apply for APay, they offer 0 bal account along with it

 

[shashank08]

Which is the best 0 balance account, I don't care if it's digital or physical, I just want for upi payments so my main accounts don't get cluttered

NSDL Jiffy.. 5.90 paise per month charges.. you get free virtual Rupay Platinum DC which you can use to get upto 100 rupees per month discount on Amazon pay Friday offer for LPG, Electricity bill payment.

By spending 72 rupees per year you can get benefit of 1200 rupees per year..
Can be used for UPI payments..

Process of account opening is completely online.

 

[arjun]

NSDL Jiffy.. 5.90 paise per month charges.. you get free virtual Rupay Platinum DC which you can use to get upto 100 rupees per month discount on Amazon pay Friday offer for LPG, Electricity bill payment.

By spending 72 rupees per year you can get benefit of 1200 rupees per year..
Can be used for UPI payments..

Process of account opening is completely online.

Are there any hidden charges?

 

[arjun]

NSDL Jiffy.. 5.90 paise per month charges.. you get free virtual Rupay Platinum DC which you can use to get upto 100 rupees per month discount on Amazon pay Friday offer for LPG, Electricity bill payment.

By spending 72 rupees per year you can get benefit of 1200 rupees per year..
Can be used for UPI payments..

Process of account opening is completely online.

The card has 300+gst joining fee and 300+gst annual fee on Rupay platinum DC

 

[shashank08]

The card has 300+gst joining fee and 300+gst annual fee on Rupay platinum DC

You need to take only virtual card.. virtual card is free.. charges are only if you take physical card..
If you are looking only for UPI then go ahead with virtual rupay platinum DC which is free..
No other hidden charges apart from 5.90 per month..

 

[varun__goel_]

You need to take only virtual card.. virtual card is free.. charges are only if you take physical card..
If you are looking only for UPI then go ahead with virtual rupay platinum DC which is free..
No other hidden charges apart from 5.90 per month..

Doesn't NSDL have yearly credit limits?

 

[shashank08]

Doesn't NSDL have yearly credit limits?

It is maximum daily balance not yearly and that is also 95000 which should be good enough as OP want to avoid clutters in the main account.
So considering all big ticket transaction he is going to carry out from main account which I am assuming should not be high in numbers.

https://nsdlbank.com/advantage_saving_account.php

 

[ashwink]

Au is still charging less for rupay plat

ICICI is the one of the lowest RuPay Platinum Debit Card in the Industry for Gramin Location i.e 99+GST

 

[ritwik2000]

ICICI is the one of the lowest RuPay Platinum Debit Card in the Industry for Gramin Location i.e 99+GST

bhai kuch lafda ho gya to branch visit kaise krunga

 

[itssudiptadas]

If you are not a customer of ICICI Bank, apply for APay, they offer 0 bal account along with it

How ICICI Bank offer 0 balance account with Amazon pay card ? Can you explain

 

[TheTrickySid]

How ICICI Bank offer 0 balance account with Amazon pay card ? Can you explain

 

[its_karan]

Are there any hidden charges?

The card has 300+gst joining fee and 300+gst annual fee on Rupay platinum DC

Only take Virtual Card

5.9 gets deducted every month on 1st

Locked in for 18 months

No other charges, Solid just for Rupay Platinum as no other charges.

 

[varun__goel_]

How ICICI Bank offer 0 balance account with Amazon pay card ? Can you explain

At the time of VKYC, they will ask for your consent to open account like in the above image

 

[itssudiptadas]

At the time of VKYC, they will ask for your consent to open account like in the above image

This for new customer who try to get Amazon pay credit card. But I already have this card for last 4 year.

 

[its_karan]

Doesn't NSDL have yearly credit limits?

Its 2 lakh( in Savings as FD cant be done)

Because of RBI not because of internal reason, as its a PB

 

[varun__goel_]

Its 2 lakh( in Savings as FD cant be done)

Because of RBI not because of internal reason, as its a PB

Then BoB bro/lite is a better option if RP DC is needed with 0 charges and if not Kotak 811 is good to go

 

[shashank08]

Its 2 lakh( in Savings as FD cant be done)

Because of RBI not because of internal reason, as its a PB

But this is not yearly credit limit. It is EOD maximum balance limit.

 

[varun__goel_]

But this is not yearly credit limit. It is EOD maximum balance limit.

But do they have any physical presence and bearable CS?

 

[its_karan]

But this is not yearly credit limit. It is EOD maximum balance limit.

But do they have any physical presence and bearable CS?

Call support> 1 hour waiting

Uske Baad ye Ticket raise ki thi

Vartiual Presence se khush ho toh khulwa sakte ho Brother