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It also depends on the particular branch's customer base. If the branch has lots of HNI/UHNI accounts, you are a nobody to them even with that kind of NRV. You need to take the initiative and push them to get things done. Best option is to transfer to a newly opened branch.

Actually he is a very clueless entity

Nothing, except black background in Cheque book and iMobile app and the MC debit card. Rest everything is same as other accounts. Same clueless, untrained, good-for-nothing fresher employees as RMs. Same offers in the offers section. Same call center. Just time pass UI change.

What are the redeeming options for Indie Gems?

"Savings Max account has auto sweep in enabled by default and it cannot be turned off" This was mentioned by a branch manager like a year back

AU has discontinued Zenith as per comments in this forum.

In these cases, just tweet to IndiaPost and see the magic.

If you have a kid, you can open a Fed First account which is zero balance with zero debit card fees.

Oh...did they bring it back? A year ago, it would always give error while trying to open in the Fed Mobile app, which was the only way to open. Branch manager said, Fed Selfie has been closed so app displays misleading error.

Fed Selfie is gone for good, irrespective of whether you have Fi account or not. I think you are looking for a Federal zero balance account.

The offers appear only in mobile browser in the new UI. You will see something like below that says "Exclusive Offers for you!" Or you can browse the same in the link https://netportal.hdfcbank.com/offers-landing It doesn't appear in desktop browser. The UI/UX guy should be belted.

Debit card AMC?

Since they have stopped selfie account, do you still enjoy zero charges for everything?

As per a branch manager, Federal bank has issued a new internal notification, where they have stopped issuing any Rupay debit cards and all previously issued Rupay cards will be converted to VISA.