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Best zero forex debit card

Option (2) is only worthwhile if it's issued lifetime free, which typically applies to NTB customers who open a Kotak 811 Super Account with a minimum IP of ₹81,000. In all other cases, this card comes with an issuance fee of ₹4,999 + GST and an annual fee of ₹999 + GST.

NTB?

I had opened zero balance 811 yrs back then forgot about it.

Can I do an entry of 81k then get this card at LTF.

I also can get broker axcount access which is free, youth offer or something, the Kotak Trading desktop and Neo apps seem interestig.
 
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