For me, unlike many others here, the criteria is a bit more than the usual. The apps have to be accessible to all. That is people using assistive technologies like screen readers, like blind users would have to. ICICI has become a total nightmare on that front on Android, just doesn't work well with Google TalkBack. Works fine on IOS Voiceover though as Apple is stricter on compliance. Very often, developer teams are even unaware that blind people also use their banking apps. So one often will have to point it out. Some are very responsive, others aren't. IDFC is the best when it comes to being responsive. They have made their CC section more or less 100 % accessible, and have put me in direct contact with the head of the developer team even! However, the FD and bank account section needs improvement in there, otherwise they've got a very good app.
Another bank that isn't listed here, but is brilliant on the responsiveness front from developer team is Federal Bank. I would say the Fed Mobile app, while can be slow at times, is almost a hundred percent accessible banking app. They even got the CC section that is outsorced to a 3rd party developer fixed when I contacted them about accessibility issues. I had a running battle with Axis for a couple of years, the latest version of the app, to my complete surprise, is very accessible. I had not even bothered to use the app for months, but suddenly, they've decided to listen, and fixed a lot of accessibility bugs, and is a very handy app with lots of features that can be used by all...
I no longer have a bank account with SBI and so using their SBI card app only now. Very much accessible, though there is a bit of a hitch when loging in first time. Know from friends that the other mobile apps from SBI are also decent on the accessibility front.