I use Kotak 811 super for a similar use case as yours Sir. I usually tranafer 30 40k some times even 70 80k depending on credit outstanding each month and carry out day to day UPI transactions. However I have activated UPI lite for this account and set auto top up when upi lite balance goes below a threshold. I do not use this account for any other purposes all my transfers from other sources like stocks, friends, relaitives ,investment are carried out in other account .
upon my latest discussion with CC executive i was keen to know the reason of freeze to which he told dont use where transactions count is more like sip , stock trading which involves more pay in pay out, gaming apps. also he told one thing if i declare income X in profile and transactions value is X/5 then also it can freeze which i did not understand the logic.
However shall i use only Kotak 811 super account only for offline transactions like grocery, petrol for 5% cashback and a different account for UPI to avoid surprise freeze in worst cases ?