I went now and applied for converting to joint account. Two of them were like Cent Queen can't be given to a man as a joint a/c. I said my friend had it in cent queen account itself with his wife and that I had read it online and come. They were like we will convert to regular savings and then add your name to it. I was like try first and see and it can be done. Then I asked to apply for debit card and they were like NOO CANNOT BE DONE! And I was like its okay, its chargeable for joint a/c. Then they calmed down. Idk what they will do. All this drama just gave me second hand embarrassment and I should never have gone to convert it. Now they might even cancel wife's Cent Queen status.
Guys, its not worth it.