Account Variants

• Instant Video KYC opening
• Virtual debit card
• Free IMPS/NEFT/RTGS via app
• Monthly e-statement free
• Physical statement ₹50

• AMB ₹10,000
• Free annual health checkup (₹2,000 value)
• Cult.fit membership discounts
• Nykaa shopping vouchers
• Women-focused insurance add-on

• Mass-affluent banking
• AMB ₹25,000
• Visa Platinum debit card
• 25 free cheque leaves per quarter
• Free e-statements

• Premium savings
• AMB ₹1 Lakh
• Zero forex markup
• 8 complimentary lounge visits per year
• Free unlimited transactions

• AMB ₹5,000
• Interest 4% p.a.
• Executive pick-up & drop of instruments
• Priority branch service
• Free demand drafts

• AMB ₹10,000 (urban) / ₹5,000 (semi-urban/rural)
• Free RuPay debit card
• Cheque book 25 leaves free
• Free e-statements
• Cash deposit ₹2L/month free

• Elite banking
• AMB ₹10 Lakhs
• Family grouping (add 4 members)
• Dedicated relationship manager
• Zero forex markup

• Ultra-HNI account
• AMB ₹25 Lakhs
• Metal debit card
• Unlimited domestic+international lounge access
• Dedicated wealth manager

• Preferential FD rates
• Health check-up discounts
• Dedicated senior queues

• Personalised Debit Card for kids 10+
• Low transaction limits for safety

• Flat 5% cashback weekend spends
• Annual health check-up
• IMPS/NEFT waiver

• Free unlimited ATM
• Free personal accidental insurance
• Complimentary lounge access
• Mobile banking
• Salary slip auto-credit

• Dedicated Relationship Manager
• Burgundy Private banking
• Unlimited ATM transactions
• Priority Pass lounge access
• Burgundy Debit card

• Higher AMB
• Priority service
• Free unlimited ATM
• Lifestyle benefits
• Lounge access

• Zero fee transactions
• Free NEFT/RTGS
• 5 free ATM transactions
• Mobile banking
• UPI

• Higher interest rate
• Doorstep banking
• Health benefits
• Free health checkups
• Priority queue

• Annual benefits ₹25000
• 1% fuel 2% shopping 3% travel cashback
• 25% Flipkart Ajio cashback

• Prestige Cashback Debit Card
• ATM ₹1L daily
• Free cheque books
• Unlimited branch transactions

• Ultra-HNI banking
• ₹15L AMB
• Wealth management
• Unlimited lounge
• Concierge

• Women-centric
• Shopping rewards
• Health benefits
• Insurance
• Priority queue

• OD 2x salary
• Accident cover
• NEFT free
• Axis Mobile
• Movie discounts

• Priority Banking RM
• BOGO movies BookMyShow
• 50% Locker discount
• Free unlimited ATM

• 0.25% concession on retail loans
• Free SMS alerts
• Women-centric benefits
• Standard debit card

• Auto-Sweep facility
• Surplus above ₹25,000 auto-invested in FDs
• Earn ~6.50%-7.00% on swept amount
• bob World digital banking

• Zero balance for minors 0-18 years
• Thematic Champ debit card for 10+
• Supervised account
• Teaches financial literacy

• Zero balance requirement
• Unlimited free DDs
• 50% waiver on locker rentals
• For professionals earning >₹2 Lakh/month
• bob World

• 30 free cheque leaves/year
• Daily balance interest calculation
• Quarterly credit
• bob World digital banking

• Zero balance requirement
• Lifetime zero-balance
• Full digital access via bob World
• Standard debit card

• Free Visa Platinum Debit Card
• 10% locker discount
• Priority banking
• Dedicated relationship manager

• Zero NMC waived (June 2026)
• 1st year free Debit Card
• SMS alerts
• Internet banking
• 25 free cheque leaves/year

• Free Platinum Debit Card
• 300 free cheque leaves/year
• Waived DD & RTGS/NEFT charges
• Auto-Sweep to high-yield FD
• Reverse Sweep

• Dedicated RM
• Unlimited FITPASS fitness memberships
• Zero fee on 25+ services
• Premium lounge access
• Crest Credit Card pre-approved ₹1L+

• Free Debit Card with photo
• 60 free cheque leaves/year
• 2 free NEFT/RTGS per month
• Priority banking service

• Daily ATM limit ₹5,000
• Parental oversight controls
• Internet banking
• Savings habit cultivation
• Debit card

• Complimentary annual health check-up
• Discounts at Apollo Pharmacy and major diagnostics
• Integrated health benefits
• Free NEFT/RTGS

• Unlimited free NEFT/RTGS/IMPS via digital channels
• Higher daily withdrawal limit
• Zero-fee digital transfers
• 5 free ATM transactions/month at other banks

• Savings account with cashback up to ₹16,500 p.a. on eligible UPI transactions
• Interest on savings balance
• Net Banking & Mobile Banking
• Rupay Debit Card
• No-frills digital banking

• Reward points for every ₹100 of balance maintained
• 2 free movie tickets per quarter
• 5 free ATM transactions/month

• 1% Cashback on all debit card spends (up to ₹500/month)
• Up to ₹6,000 cashback per year
• 5 free ATM transactions/month at other banks

• Free life insurance cover equal to average balance (up to ₹50 Lakhs)
• No medical exam required
• 7.75% interest rate tier

• Family Grouping (up to 5 accounts)
• Free doorstep banking
• Dedicated RM
• Unlimited ATM at DCB
• Complimentary personal accident insurance up to ₹50 Lakhs

• Choice of Account Number (8-digit custom/mobile)
• Unlimited free domestic ATM
• 25% discount on lockers
• Dedicated RM
• Elite Visa Platinum Debit Card

• Instant Aadhaar-based digital account opening
• Same high interest rates as physical accounts
• Limited branch transactions
• Zero paperwork

• Age 10+
• Personalized debit card with child name/photo
• 45% cashback on popular entertainment brands
• Zero NMC
• Mobile tracking app for parents

• AMB ₹10,000
• MediBuddy unlimited tele-health consultations
• Higher rewards on grocery and apparel spends
• Progressive interest 3.50–7.80%
• Quarterly interest

• AMB ₹10,000
• Progressive slab interest identical to Regular Savings
• Additional 0.50% p.a. on FD rates
• Dedicated senior citizen banking services
• Free NEFT/RTGS digital

• Zero NMC (No Maintenance Charge)
• Progressive interest: Up to ₹1L 3.50%
• ₹5L–₹5Cr 7.00%
• Above ₹25Cr 7.80%
• Instant V-KYC opening (Aadhaar OTP / Video KYC)

• AMB ₹10,000 (Metro/Urban) / ₹5,000 (Semi-Urban/Rural)
• Progressive interest: Up to ₹1L → 3.50%
• ₹1L–₹5L → 5.25%
• ₹5L–₹5Cr → 7.00%
• ₹5Cr–₹25Cr → 7.50%

• AMB ₹50,000 Metro/Urban
• ₹10L Personal Accident + ₹30L Air Accident Cover
• Complimentary Visa Platinum debit card
• 25% locker discount
• Progressive interest: Up to ₹1L 3.50%

• AMB ₹5L TRV or MRP of ₹5L
• Family banking group of 8 members
• Elite Signature Debit Card
• 50–75% locker discount
• 2 lounge visits/quarter

• International debit card for children
• Free education insurance cover of ₹1 lakh
• Future fund with ₹1,000 monthly contributions
• AMB ₹5,000

• Automatic sweep-out to FD for idle funds
• Lifetime Platinum Debit Card
• ₹1 lakh accident hospitalisation cover
• AQB ₹25,000 or FD ₹1.5 lakh
• Unlimited free ATM transactions

• Instant digital account opening via Video KYC
• Special accounts for women, seniors, youth, premium
• SmartBuy and PayZapp savings
• Quick paperless process

• Personal Banker through Vishesh Programme
• 5 free transactions at HDFC Bank ATMs
• Discounts on BigHaat
• AMB ₹2,500 semi-urban/rural
• Penalty 6% shortfall or ₹150

• First year Taj Epicure membership worth ₹20,000+
• Lifetime AMC waiver on new Demat Account
• Lifestyle vouchers over ₹2,000
• 10 free cash transactions/month
• 15 lakh cash deposit value/month

• Premium debit card
• Cash transactions up to ₹10 lakh/month
• Free BillPay facility

• Linked family savings accounts
• Combined AMB ₹40,000
• Unlimited monthly cash deposit value

• Cancer cover ₹5L
• Health check-up ₹2000
• House insurance ₹5L
• Women-specific benefits

• Cyber fraud cover ₹1.5L
• Eldercare services
• Doorstep banking
• Senior health benefits

• Unlimited ATM
• Lounge access
• ₹20L accident cover
• Premium debit card
• Priority banking

• Salary credit
• OD 2x salary
• Accidental cover
• Free NEFT
• Mobile banking

• Automatic sweep-in facility into Fixed Deposit (Money Maximiser)
• Free Demat Account for 1st Year

• Priority queue
• Free health check
• Doorstep banking
• Higher transaction limits
• 0.25% extra FD

• Cash management services
• Payment gateway integration
• Streamline payments to employees/vendors

• Free e-statements
• NetBanking
• MobileBanking
• InstaAlerts
• BillPay utilities

• Zero balance account
• Free RuPay card
• 4 free cash withdrawals per month at branch
• Unlimited deposits

• Doorstep banking at zero cost
• Healthcare and lifestyle benefits
• Cyber insurance coverage
• All service charges free

• Lifetime free Platinum Debit Card with 1% cashback
• Lifestyle benefits
• 5 free cash transactions/month

• Free MoneyBack debit card in first year
• Year-round lifestyle offers
• AMB ₹5,000 metro/urban
• Digital account opening

• Accident hospitalisation reimbursement ₹50,000 annually
• ₹500 daily cash allowance for 15 days hospitalisation
• Preferential FD rates
• AMB ₹5,000
• All service charges free above 80 years

• Exclusive lifestyle benefits
• Enhanced healthcare and insurance coverage
• Special pricing on lockers, demat, trading accounts
• 5 free cash transactions/month

• Dedicated RM for wealth management
• Metal/Platinum Debit Card
• ATM limit ₹5 Lakh/day
• Zero charges on DDs/Pay Orders
• Complimentary airport lounge access

• Woman's Debit Card
• ₹1 CashBack per ₹200 spend
• Up to 3.5% reduced interest on two-wheeler loans
• AMB ₹10,000 metro/urban

• Personalised chequebook
• Millennia or MoneyBack debit card
• BillPay service
• AMB ₹10,000 metro/urban
• Penalty: 6% of shortfall

• SmartWealth customised investment solutions
• Preferential loan rates
• Dedicated RM under HNW programme
• AQB ₹1 lakh or FD ₹4 lakh

Salaried employees of eligible companies

Resident individual, 17 to 35 years, student from select institutes in India

Salaried employees of eligible companies

Salaried employees of eligible companies

Wealth or private banking relationship criteria as per ICICI programme thresholds

Resident Indian above 60 years; pensioners above 60 have nil MAB requirement

Resident Individual — MAB ₹25,000. Unlimited ATM withdrawals at ICICI Bank ATMs.

Resident individual, 17 to 35 years, student from select institutes in India

Basic Savings Bank Deposit Account with no minimum balance requirement

Wealth or private banking relationship criteria as per ICICI programme thresholds

Minors (below 18 years) — account managed by parents/guardians

Wealth or private banking relationship criteria as per ICICI programme thresholds

Wealth or private banking relationship criteria as per ICICI programme thresholds

Salaried employees of eligible companies

Basic Savings Bank Deposit Account with no minimum balance requirement

Thereafter ₹150 per transaction or ₹3.5 per ₹1,000 / ₹150 whichever is higher as applicable | 3 complimentary cash transactions per month | value limit up to ₹1 lakh per month

Resident Indian above 60 years; pensioners above 60 have nil MAB requirement

Salaried employees of eligible companies

• 7.00% p.a. interest on all balances
• Lifetime free debit card
• Mobile banking
• UPI
• Goal-based savings

• 7.00% p.a. interest
• Shopping cashback
• Health & wellness benefits
• Personal accident cover
• Lifetime free debit card

• 7.75% p.a. interest (incl. 0.50% senior bonus)
• Priority service
• Doorstep banking
• Health & wellness benefits
• Free unlimited ATM

• 7.00% for balances >₹5L to ₹25Cr
• 3.00% ≤₹5L
• AMB ₹25,000
• Free unlimited ATM
• Visa Platinum debit card

• Higher interest for 60+
• Priority banking
• Health benefits
• Doorstep banking
• Monthly interest credit

• Zero balance
• 7% interest
• Lifetime free debit card
• Free NEFT/RTGS
• Mobile banking

• Zero AMB
• RBI mandated basic account
• 7.00% p.a. interest on all balances
• Free ATM card
• Basic banking services

• Invite-only
• 7.00% p.a. interest
• 0% forex debit card
• ₹10L daily ATM withdrawal
• ₹15L daily POS

• 7.00% p.a. interest on all balances
• AMB ₹10L or CASA ₹15L or AUM ₹25L
• Golf: 12 lessons or 4 rounds/year
• 3 domestic + 2 international lounge/quarter with companion
• ₹1Cr personal accident cover

• 7.00% p.a. interest on all balances
• 2x salary overdraft
• Free unlimited ATM
• Zero fees on 28 banking services
• Free debit card

• Priority banking
• Wealth management
• Unlimited lounge
• Dedicated RM
• Premium debit card

• High interest
• Lifestyle benefits
• Complimentary lounge
• Dining privileges
• Digital banking

• Zero Forex Markup
• Unlimited Global ATM
• 4 Golf games/month
• Buy1Get1 BookMyShow
• Zero doorstep banking fee

• Unlimited Global ATM
• 0% Forex Markup
• Free locker Year 1
• Family grouping up to 6

• 1% Forex markup
• 2 free movie tickets/quarter
• 50% locker discount
• 6X rewards Signature debit

• Free Platinum debit card
• Unlimited free ATM India
• 1 free international ATM/day

• Numberless Visa Signature
• 0% Forex
• 3% reward gems on top brands
• Instant KYC

• 0% Forex
• 3% reward gems
• Numberless Visa Signature

• 0% Forex
• Zero debit card fee
• Zero premature FD penalty after 6 months
• 3% gems
• Numberless Signature

• Lifestyle rewards on grooming/dining
• Specialized insurance covers

• Higher FD interest
• Priority branch service
• Free doorstep banking

• Wealth management
• Private banking
• Unlimited lounge
• Golf
• Concierge

• AMB ₹2,500
• TRV ₹25,000
• 2.5% up to ₹1L
• 4.5% above ₹5L
• Up to 7.55% at ₹10-20Cr slab

• Zero balance
• Digital-only onboarding via Jana Bank App
• Welcome reward points
• Paperless account opening
• All digital transactions free

• Zero AMB
• TRV ₹25,000
• Daily ATM limit ₹25,000
• POS limit ₹75,000
• Free 15 cheque leaves per quarter

• AMB ₹25,000
• TRV ₹5L
• Monthly interest payout
• Apollo Circle 12-month membership
• 15% discount on consultations

• AQB ₹3L
• TRV ₹25L (Aggregate SA+FD+RD+MF)
• Complimentary Taj Epicure Membership
• Taj gift cards
• Zero-fee banking (DDs, Cheque books, RTGS, NEFT, IMPS)

• AQB ₹50,000
• TRV ₹5L
• Zero-balance option
• 50% lifetime locker discount (Small Locker)
• Unlimited free ATM at all Jana branches and all bank ATMs in India

• AMB ₹50,000
• TRV ₹5L
• Complimentary annual health check-up
• OTT subscription (Amazon Prime or SonyLIV) on meeting TRV
• Zero NEFT/RTGS/IMPS charges via digital channels

• AMB ₹10,000
• TRV ₹1L
• Daily ATM limit ₹50,000
• POS limit ₹1L
• RuPay Platinum card annual fee ₹149 (often waived)

• Receive civil pension directly
• NMC waiver on first pension credit
• Pensioners 55+ enjoy Kotak Grand Savings Programme benefits

• Dedicated RM
• Priority banking
• Airport lounge
• Premium debit card
• Wealth management access

• Free NEFT/RTGS/IMPS
• 5 free ATM
• Debit card
• Mobile banking
• UPI

• Zero balance
• Salary account
• Free NEFT
• Overdraft up to 3x salary
• Free debit card

• Dedicated Relationship Manager
• Priority banking
• Unlimited ATM
• Preferential FD rates
• Lounge access

• AMB ₹10,000
• 5 free ATM transactions
• NetBanking
• Mobile banking
• Free NEFT/RTGS

• Ultra-HNI
• Private Banking
• Dedicated private banker
• Bespoke investment solutions
• Concierge

• Zero balance
• 100% digital account opening
• Interest up to 3.5%
• Virtual debit card
• Instant account in 5 minutes

• Higher MAB
• Premium debit card
• Free NEFT/RTGS
• Cashback
• Unlimited ATM transactions

• Higher interest
• Doorstep banking
• Priority queue
• Free health checkup
• Special FD rates

• Free unlimited ATM
• Personal accident insurance
• Complimentary lounge
• Salary auto-credit
• Mobile banking

• Zero balance
• 811 Debit Card
• Video KYC
• Full digital account
• UPI

• Rural AQB ₹2,500
• Semi-Urban AQB ₹5,000
• Low balance rural account

• NMC waivers and zero balance benefits
• Personalized Debit Card for child
• Exclusive privileges and discounts on kids' brands

• Convert excess savings to term deposits via Kotak ActivMoney
• Flexibility for balance maintenance across multiple accounts
• Home banking services

• Free Virtual Debit Card
• Earn higher interest with ActivMoney
• Hassle-free digital account opening
• Cashback & Rewards on UPI payments
• Zero balance

• AMB ₹25,000 or Relationship Value ₹1 lakh
• 5% cashback via Kotak Cashback+ Credit Card
• Personal Loans up to ₹35 lakhs
• Offers on Everyday+ Debit Card

• Priority banking
• Extra FD rate
• Doorstep banking
• Free NEFT
• Health benefits

• Women-centric
• Beauty benefits
• Health discounts
• Insurance
• Shopping privileges

• Zero balance
• 7% on ₹1L+
• Instant account in 5 minutes
• Aadhaar-based KYC
• Kotak Mobile

• Priority banking
• Wealth management
• Lounge access
• Higher limits
• Dedicated RM

• Digital-first savings account
• Paperless account opening
• Up to 6.00% p.a. interest on high balances
• Progressive slab rate structure
• Net Banking & Mobile Banking

• Titanium MasterCard with insurance
• Free unlimited RBL ATM withdrawals
• Exclusive discounts on lockers and investment services
• Monthly interest credit

• Zero balance account
• Free RuPay Card
• 4 free cash withdrawals per month
• Basic banking access

• Tailored for women
• Priority service
• Special lifestyle and shopping offers
• Platinum Debit Card benefits

• Designed for salaried professionals
• 10 free transactions per month at other bank ATMs
• Free unlimited cash deposits up to ₹6 Lakh/month
• Monthly interest credit

• Entry-level high-interest account
• Free insurance on debit card
• Free replacement of damaged cards
• Monthly interest credit

• Fully digital
• High interest up to 7.5%
• Instant video KYC
• RBL MoBank app

• Salary account
• OD facility
• Personal accident cover
• Insurance
• Premium debit

• Defence-specific
• Personal accident ₹30L
• Air accident ₹1Cr
• Pension management
• ECHS payments

• NIL Monthly Average Balance
• 2.50% p.a. on all balances (w.e.f. 15-Jun-2025)
• Free first 10 cheque leaves per financial year
• Passbook + Free Consolidated Account Statement
• Mobile Banking (YONO)

• Unlimited free ATM transactions across all SBI ATMs
• Personal Accident Insurance (Death) up to ₹100 Lakh
• Air Accident Insurance up to ₹100 Lakh
• Permanent Total Disability cover up to ₹100 Lakh
• Permanent Partial Disability cover up to ₹50 Lakh

• Minor account
• Parental control
• Debit card
• Financial literacy
• Digital banking

• Video KYC
• Instant account opening
• Digital banking
• No branch visit required
• YONO platform

• 10

• Specifically for MACT compensation
• Interest credited per court orders
• RuPay debit card included
• No withdrawals except court-authorised

• Linked to Multi Option Deposit (MOD)
• Surplus above ₹25K auto-moved to FD
• Earn FD-level interest on surplus
• YONO app management
• Sweep-in facility

• Unlimited ATM
• Lounge access
• ₹25L accident cover
• Higher OD
• Air accident cover ₹1Cr

• Salary auto-credit
• OD up to 2 months salary
• Personal accident cover
• YONO
• Free NEFT

• For minors below 18
• Joint with guardian
• Debit card for 10+
• Mobile banking
• Cheque book

• 100% digital savings
• AMB ₹1,000
• 2.50-7.10% interest slab
• Video KYC (V-CIP) or Aadhaar OTP-based opening
• Mobile/Tab KYC also available

• Standard retail savings
• AMB ₹5,000 (₹2,500 rural)
• 2.50-7.10% interest slab
• RuPay Platinum or RuPay Classic debit card
• ₹50K daily ATM cash limit

• Women-focused banking
• AMB ₹5,000 (semi-urban/rural)/₹2,500 (rural)
• 2.50-7.10% interest slab
• Free RuPay Women Debit Card
• ₹50K daily ATM cash limit

• 8% interest
• Priority service
• Health benefits
• Doorstep banking
• Pension credit

• Entry-level savings
• AMB ₹1,000 (₹500 rural)
• 2.50-7.10% interest slab
• RuPay Classic debit card
• ₹25K daily ATM cash limit

• Mid-premium savings
• AMB ₹25,000
• 2.50-7.10% interest slab
• Free RuPay Platinum Debit Card (lifetime free)
• ₹75K daily ATM cash limit

• Premium tier savings
• AMB ₹1 Lakh
• 2.50-7.10% interest slab
• Free RuPay Select International Debit Card
• ₹2.5L daily ATM cash limit

• AMB ₹2,500
• Minors
• Customizable debit card limits
• Financial education focus

• HNI exclusive
• Dedicated RM
• Investment solutions
• Global lounge access
• Concierge

• Paperless Video KYC
• Free Virtual Debit Card
• 10% cashback on utility bills (max ₹100)
• Personal accident cover ₹2L

• AMB ₹10,000
• Engage Debit Card
• 5 free other-bank ATM txns
• Free NEFT/RTGS via IRIS app

• AMB ₹25,000
• 3,000 welcome reward points
• 20% locker discount
• Unlimited YES Rewardz on spends

• AMB ₹50,000
• Dedicated RM
• 100% locker discount 1st year
• Free trading account
• Brokerage waiver up to ₹10L

• Senior citizen 60+
• Health benefits
• Doorstep banking
• Higher FD rates
• Priority service

• AMB ₹10,000
• Women-centric
• Up to 75% locker discount
• Healthcare benefits
• Lifestyle offers

• AMB ₹5,000–₹10,000
• Senior 60+
• Higher FD rates
• Priority service
• Free health check-up vouchers

• Unlimited ATM transactions
• Higher insurance covers
• Free NEFT/RTGS

• Kids account
• Parental controls
• Debit card
• Spending limits
• Financial literacy

• AMB ₹2L–₹30L RV
• Zero fee banking
• Unlimited global ATM
• Concierge services
• Invite-only

• 4% interest
• Free NEFT/RTGS
• Mobile banking
• Debit card
• Sweep FD

• Higher 4.75% interest
• Lower AMB ₹5,000
• Free health checkups
• Priority banking
• Free passbook

• Zero balance
• Basic banking
• Free debit card
• PMJDY eligible
• Mobile banking