Recently Kotak mahindra introduced zero balance account with upto 6% interest but beleive me it is better then kotak its features is more and best then kotak
I am using it and it is best for transaction, paybill and recharge etc
It is a zero balance account no average fund required no fee
Simply app download and register and if you want to open account with full feature just enter your PAN and Aadhar
You will get VISA debit works in all ATM with unlimited withdrawl. It is international debit card you can use it out of india also
All transactions are free you can send ₹1 at any bank no fee will be charge
And one more thing it is completely based mobile banking because it is digital banking
You earn also refer and earn programme is going on ₹200 per account you can earn also
It is safe and secure because Sachin Tendulkar is advetising it.