I have hdfc digiyouth account. I maintain 1 lakh mab... my rm told me that he will get me platinum debit card with no charges but still my account was deducted with 1200 rupees. Now i downgraded it to hdfc millenia but still 600 annual charges... how can I get its annual fees waived off or I heard I can earn 400 every month by reloading wallets? how can I do so? I dont use paytm. which wallets can I use