I use UPI every time I go to the tea shop and so there are like a 100 transactions of 10rs or 12rs in every statement and this is cluttering my salary/investment/emergency accounts. Tried using wallets. Phonepe works well, but most merchants around me use paytm. I have boycotted paytm because their app is scammy and requires too many permissions. Amazon pay is barely seen. Then there are merchants who have only BHIM. So yeah, all these transactions come up in the account and I would prefer to move all these daily stuff to another account dedicated just for this.
Requirements:
The ones I do not want, because I already have accounts with them
Have CC with IDFC and Axis. Will this help me open an account sooner, if I were to select them, since the kyc and verification were all done already?
Requirements:
- Zero/downtime - Don't want to keep waiting forever for the UPI transactions.
- No/low maintenance charges - monthly, quarterly, whatever. Zero is great. A couple of Ks is also fine. No more than 10k.
- No app-only stuff. Should be able to see stuff online, on the website, without the app.
- Debit card is optional, but if it's free I'll take it. I don't want to pay for it.
- no paytm or airtel payments back.
The ones I do not want, because I already have accounts with them
- HDFC
- SBI
- Kotak
Have CC with IDFC and Axis. Will this help me open an account sooner, if I were to select them, since the kyc and verification were all done already?
