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Not from the reviews I read. There is a one-time fee of INR 499 to join. No monthly fee after that or minimum balance requirement. More here: https://www.winvesta.in/mca#pricing

Not sure about that. Their rep told me there is no direct debit for USD accounts yet, but it's coming soon. If you can transfer funds to Amex, then it should work. There is direct debit for GBP, so Amex cards in UK would work afaik.

Such a bummer :( I just moved all my funds to Winvesta. Was able to open an account yesterday and do ACH. Winvesta also supports multiple currencies so that's great.