I went over piles of negative comments to get an experience myself solely based on my luck.
I thought of my old mantra "people in India only write reviews when something bad has happened to them"
I went ahead with my plan and found out it is a simply amazing experience from kotak!
they have the best phone banking application(android) in indian market as per I know.
it is truly a magical experience using it for any kind of daily transactions. I opted for a fully complete kit at the starting of opening an account(comprising of - debit card, cheque book, ids, passwords etc).
My account was opened within 5 days time as per said to me without any delay. after a 14 day period of wait time for NEFT transactions(as bank verifies your documents and mobile numbers) I was truly delighted. as anyone knows interest rate is 6% etc. but getting unlimited ATM access at any bank atm, getting free IMPS, NEFT, RTGS was a truly feature packed account anyone can hope for. you can even open FD in less than 20 secs using the mobile app. the visa classic debit/ATM card is free from any charges annually. and there is no quarterly sms service charges .
phone banking is also very good(PSTN landline, mobile) and you can transact very easily if you don’t have an android phone. ebay.in and various other sites give discounts as well
I urge customers who are worried from opening an account after reading all the negative reviews. please start with little money and then understand the performance, facillities and Rewards.