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Fi online account would also do the work for you. it is 0 balance and lifetime free visa debit card with 0 forex charge. it's my fav card out of 10+ (credit+debit) cards I have bcoz of forex part. plus the app is good too.

shit! I'm using Paytm payments Bank so no branch manager would help me. thanks for the guidance.

cumulative 5 lakhs is something i was unaware of. have easily crossed that limit so will stop doing till April now. I have no explanation of funds.

would they care about fd of 10-20k monthly? this fd is just for 10-15 days and is used to clear the credit card bill. the amount which would be sitting in savings account is kept aside in fixed deposit. interest hardly is 20-30 rs.

I do it in Paytm payments Bank on the day my credit card bill is generated and withdraw it 2 days before it is due. so fd is active for like almost 15 days and i get the interest for same without any penalty