Top 2 nuisance banks are HDFC Bank & Bajaj Finance who make too many commercial calls even after warning. If your getting commercial calls from HDFC Bank or even any other bank and again you take such banks saving account or credit card means your idiots and irresponsible. I opted Kotak account as Kotak makes least commercial calls. IDFC also makes less calls but IDFC bank makes mid night SMS and monthly 15+ SMS on sales(Not talking transaction SMS)