https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080538
Interesting intiative waiting for banks info with such offers
Premium Zero Balance Savings Account With Free Debit Card
This thread will need contribution from All Dimers , Experienced as well New so all can benefit from It.
Many Banks offer Premium Zero Balance Savings Account With Free Debit Card Based on Some Criteria Or
On an Initial Deposit Amount Varying from 2 Lakh to 10 Lakh or More , After account opening We can withdraw
the Amount from the account and For Keeping the Premium Status Active just need to maintain a Lump Sum Amount
for couple of Days twice or thrice in a Year in the account.
What a user should do to Get Premium Saving Account in Banks Even if they are not able to maintain Hefty Sum with the bank ?
Will Update Such Accounts and Their Benefits in the Wiki based on the Inputs from Dimers in This Thread and my own experience and interaction with Other Dimers.
Request you to Tag Dimers Who can contribute to the Thread 
Deal Wiki
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Last updated by: beastboy
ICICI
1. ICICI Society Savings Account
ICICI Bank offer a Zero Balance savings account with Free Debit Card and Nil AMC Charges also the account doesn’t have Quarterly SMS Charges. It is provided Generally in Metro Cities or Tier 1 Towns to few Premium Housing Societies . If you visit ICICI Bank even the Branch Manager Will Deny that such accounts exist and will tell you stories , Be Adamant and ask to check if your Society Falls under this category or not , If Your Housing Society falls in this category get your account opened and Enjoy Premium Saving Account from ICICI with Zero Maintenance Charges.
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KOTAK
1. Kotak 811 Savings Account
Though Not a Premium Savings account Kotak 811 Account is a great Initiative from Kotak , You Get a Zero Balance Saving account with a Virtual Debit Card , which can be used for Online Shopping.
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INDUSIND
1. Indusind Exclusive Savings Account
If you have IndusInd Pinnacle Credit Card you can open a Premium savings account ( Indus Exclusive Savings Account ) with zero AMB requirement and a Debit Card with Zero Issuing Charges and Zero AMC for lifetime. Same Exclusive account can be extended to 6 Family Members ( i.e. Total 7 Zero Balance Savings account with 7 LTF Debit Cards ).
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EQUITAS
1. Equitas Elite Saviongs Account
Currently Equitas bank is not charging anything to their customers for not maintaining AMB in their account.
So you can get their premium savings account Equitas Elite Savings account. The criteria is to maintain 5 lakh in the account but since they are having the policy of not charging their customers for not maintaining AMB.one can do an initial funding and later withdraw it to get a zero balance premium savings account. ( Credit – @gautam2usa226 )
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FEDERAL
1. Fi Money
Fi is a Neo bank account which is Powered by Federal Bank , Neo Banking is a new concept in Indian and is replicated here after the tremendous success of Neo Banks in USA . You Get a Zero Balance Federal Bank Account along with LTF Debit Card Virtual as well as Physical which will work for all Federal Bank Offers Too also no SMS charges.
2. Jupiter
Just like Fi Money , Jupiter is also a Neo Bank powered by Federal Bank as Backbone Infrastructure , As welcome Benefits they have provided users 10% Cashback on UPI and Debit Card Spends up to Rs.1000 Per month for 3 Months. With Jupiter Bank you get LTF Debit Card both virtual within the App as well as Physical and no SMS Charges , but the card seems to be not working for Offers specific to Federal Bank.
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080563
I heard HDFC HNW accounts classic,preferred and imperia become zero balance and offers free debit card since it is manually downgraded by RM and no sane RM will not downgrade the account even if u don’t maintain the minimum balance
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080600
If you have IndusInd pinnacle credit card which comes as life time free then you can open a premium savings account (Indus Exclusive Savings Account) with them with zero AMB requirement. That too for lifetime.
Best thing is that after getting the credit card, you can get free add-on for family members and then exclusive savings accounts as well for them… all zero balance accounts, for lifetime.
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080620
Equitas bank : Currently Equitas bank is not charging anything to their customers for not maintaining AMB in their account, to attract more and more customers.
So you can get their premium savings account Equitas Elite Savings account. The criteria is to maintain 5 lakh in the account but since they are having the policy of not charging their customers for not maintaining AMB… one can do an initial funding somehow 
and later withdraw it to get a zero balance premium savings account.
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080627
timelord wrote:I heard HDFC HNW accounts classic,preferred and imperia become zero balance and offers free debit card since it is manually downgraded by RM and no sane RM will not downgrade the account even if u don’t maintain the minimum balance
No sane RM downgrades you but if you are a sane customer, you yourself would downgrade from those variants
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080659
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Ramta_Jogi wrote:No sane RM downgrades you but if you are a sane customer, you yourself would downgrade from those variants
Any specific reason? Any hidden charges?
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080693
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080705
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Ramta_Jogi wrote:Many hidden charges. Higher interest rates.
Well I started HDFC a/c on experimental basis I will run my a/c for 1 year if I see anything unusual I will close the account
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080744
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Ramta_Jogi wrote:No sane RM downgrades you but if you are a sane customer, you yourself would downgrade from those variants
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080824
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080855
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Ramta_Jogi wrote:That’s the beauty of it. You won’t notice it till you are Imperia or even Preferred customer. Coz they only fool hni morons
what charges @Ramta_Jogi 
I’ve not noticed anything in my statements for hdfc imperia 
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080863
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noobDealer wrote:what charges @Ramta_Jogi
I’ve not noticed anything in my statements for hdfc imperia
How Much Balance you maintaining and from how long bro
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080866
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Ramta_Jogi wrote:That’s the beauty of it. You won’t notice it till you are Imperia or even Preferred customer. Coz they only fool hni morons
Bro Your expertise inputs are also required in both the Premium LTF accounts as well as another thread of LTF Credit Cards 
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080904
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noobDealer wrote:what charges @Ramta_Jogi
I’ve not noticed anything in my statements for hdfc imperia
Not charges on regular basis. Charges on loans.
If ever u plan to take any type of loan from hdfc, downgrade your account to regular one atleast 3-6 months before taking loan.
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080906
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beastboy wrote:Bro Your expertise inputs are also required in both the Premium LTF accounts as well as another thread of LTF Credit Cards
I went through them. They are just too broad topics encompassing a lot of things. Moreover, most of the cards require certain NRV or are altogether useless (even if free). Some banks are even more useless even if they offer everything free.
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080951
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Ramta_Jogi wrote:Not charges on regular basis. Charges on loans.
If ever u plan to take any type of loan from hdfc, downgrade your account to regular one atleast 3-6 months before taking loan.
how to downgrade? other than not satisfying the balance criteria which i anyway don’t since I have just 30rs in my account
there was option to enroll into imperia but none to enroll out
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080984
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noobDealer wrote:how to downgrade? other than not satisfying the balance criteria which i anyway don’t since I have just 30rs in my account
there was option to enroll into imperia but none to enroll out
Since this is manually downgraded by RM. Try being completely a**hole to RM usually works more easy if RM is female
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8080989
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noobDealer wrote:how to downgrade? other than not satisfying the balance criteria which i anyway don’t since I have just 30rs in my account
there was option to enroll into imperia but none to enroll out
Downgrade only if u know what you are doing!
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8081001
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8081996
If you have IndusInd Signature Credit Card/ Legend Credit Card/ Visa Odyssey Credit Card/
Amex Odyssey Credit Card which comes as life time free then you can open Indus Select Savings Account with them with zero AMB requirement. That too for lifetime.
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8082815
Equitas is reducing Interest rates for savings accounts. See changes in attached pic.
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8082836
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Ramta_Jogi wrote:Not charges on regular basis. Charges on loans.
If ever u plan to take any type of loan from hdfc, downgrade your account to regular one atleast 3-6 months before taking loan.
What kind of charges sirji? 
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8082858
Bhai 3-4 credit cards rakhni hai. 3-4 bank accounts rakhni hai. Premium or cheap doesn’t matter. One should get things one need. 🙂
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8082877
Manitian wrote:
Equitas is reducing Interest rates for savings accounts. See changes in attached pic.
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https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8082889
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noobDealer wrote:how to downgrade? other than not satisfying the balance criteria which i anyway don’t since I have just 30rs in my account
there was option to enroll into imperia but none to enroll out
Gajab with Rs 30 you are maintaining HDFC imperia…how long are you not maintaining required NRV.. generally after 3 months one start getting email / calls
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8082929
I never maintained high balance, even before imperia 
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8082967
noobDealer wrote:I never maintained high balance, even before imperia
How did you enroll for it? They don’t give this program unless you have maintained or started with that balance.
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8082987
does IDBI Bank charge for virtual debit card
https://www.desidime.com/discussions/premium-zero-balance-savings-account-with-free-debit-card?page=1#post_8083134
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