saniruidas
TF Premier
I have SBI insta zero balance account, when SBI launched yono I applied for it via their app and vkyc ... But debit card is chargeable 150 + 18% GST . As like icici mine zero balance account. I close ICICI debit card. Still using icici account via imobile UPI and net banking.In that case better to go with SBI insta account which is completely online no fee for DC. I have seen DBS vouchers as welcome benefit based on spend most of them are not useful for me.
In my case SBI account always zero, sometimes fund and use 10% instent discount. But SBI never deducted any debit card annual fee, even I use their debit card in ATM to many times 🤣