Looking for a Bank Account with Free RuPay Platinum Debit Card (Preferably Online Account Opening)

[delbinbabu]

Hi everyone,

I'm searching for a savings account that offers a free RuPay Platinum debit card (virtual or physical) with no charges. Ideally, I’d prefer a bank that allows online account opening, without needing to visit a branch. I’m comfortable maintaining a minimum balance of up to ₹25K and don't mind spending a certain amount annually to get the debit card fee waived.

Currently, I have the following bank accounts:

1. HDFC Savings Max Account – ₹25K AMB (Free VISA Platinum debit card, no other charges)


2. Fi Standard Account – Zero balance (Free virtual VISA debit card, no other charges)


3. Federal Bank SB Freedom Account – ₹1K AMB (CROWN Mastercard debit card, fee waived with ₹75K annual spend; no other charges noticed)


4. Jio Payments Bank Account – Zero balance (Free RuPay Platinum debit card, no other charges)


5. SBI Lotus Saving Account – Zero balance (Virtual RuPay Classic debit card, no related charges)


6. Bank of Baroda B3 Plus Account – ₹1K AMB (No debit card, no charges noticed)


7. AU Digital Savings Account – Zero balance (RuPay Platinum debit card with ₹250 + GST annual fee and ₹17.6 SMS charge debited quarterly)



I’m considering closing my AU Small Finance Bank account and opening a new account with no additional charges at another bank.

If you have any recommendations or personal experiences with banks offering such accounts and cards, I’d love to hear them!

Thanks in advance!

 

[talkwithfino]

Hi everyone,

I'm looking for a savings account that provides a free RuPay Platinum debit card (either virtual or physical) and comes with zero charges. Ideally, I want a bank that allows for online account opening, without the need to visit a branch. I’m okay with maintaining a minimum balance of up to 25K and don’t mind spending a specific amount yearly to have the debit card fee waived.

• Hdfc Savings Max - 25k MAB, can be opened online (some people on forum have had issues with online opening). Debit Card, you will have to go to Branch and request manually.
  In fact, I would say, you can open 10k Regular Acc, get Rupay Plat & put 15k in FD. Your FD interest will cover the Rupay ₹200 +gst charges
  
  
• IDFC First Bank also offers Rupay Platinum Card... ( I do not know if you can get it with 10k account... 25k acc you can surely get ); and their DC's are free of cost for now.
  
  These two are the best optns I can think for now... Will edit my reply, if I remember any other Bank which offers the same

 

[chiragj]

Hi everyone,

I'm looking for a savings account that provides a free RuPay Platinum debit card (either virtual or physical) and comes with zero charges. Ideally, I want a bank that allows for online account opening, without the need to visit a branch. I’m okay with maintaining a minimum balance of up to 25K and don’t mind spending a specific amount yearly to have the debit card fee waived.

I already have a Jio Payments Bank account but would appreciate other recommendations.

If you have any suggestions or experiences with banks offering this kind of account and card, please let me know.

Thanks in advance!

If you have any loans around 2 crores from SBI they upgrade to you to a SBI wealth customer, and they also provide you a free of cost debit card which you have the option to choose either a rupay or a visa signature card. They also waive some basic charges which bank charges like rtgs fees etc.

 

[Pradumya]

Hi everyone,

I'm looking for a savings account that provides a free RuPay Platinum debit card (either virtual or physical) and comes with zero charges. Ideally, I want a bank that allows for online account opening, without the need to visit a branch. I’m okay with maintaining a minimum balance of up to 25K and don’t mind spending a specific amount yearly to have the debit card fee waived.

I already have a Jio Payments Bank account but would appreciate other recommendations.

If you have any suggestions or experiences with banks offering this kind of account and card, please let me know.

Thanks in advance!

If you are below 25 years of age then open bob BRO
If age exceeds 25 then open bob lite with 3K minimum balance.
We get 2 seperate debit cards - virtual and physical

 

[Raghav2006]

Hi everyone,

I'm looking for a savings account that provides a free RuPay Platinum debit card (either virtual or physical) and comes with zero charges. Ideally, I want a bank that allows for online account opening, without the need to visit a branch. I’m okay with maintaining a minimum balance of up to 25K and don’t mind spending a specific amount yearly to have the debit card fee waived.

I already have a Jio Payments Bank account but would appreciate other recommendations.

If you have any suggestions or experiences with banks offering this kind of account and card, please let me know.

Thanks in advance!

I personally hold a AU zero balance, but pay annual fee for platinum dc 150 or 200 plus taxes I guess.
Not sure about spend based waiver, but the account can be opened online.

 

[delbinbabu]

• Hdfc Savings Max - 25k MAB, can be opened online (some people on forum have had issues with online opening). Debit Card, you will have to go to Branch and request manually.
  In fact, I would say, you can open 10k Regular Acc, get Rupay Plat & put 15k in FD. Your FD interest will cover the Rupay ₹200 +gst charges
  
  
• IDFC First Bank also offers Rupay Platinum Card... ( I do not know if you can get it with 10k account... 25k acc you can surely get ); and their DC's are free of cost for now.
  
  These two are the best optns I can think for now... Will edit my reply, if I remember any other Bank which offers the same

Thank you for your response.

I have an HDFC Savings Max account, which I forgot to mention earlier. They provided me with a Visa Platinum debit card instead of a Rupay card. The main reason I'm looking for a new bank account is that I want to close my AU Small Finance Bank account. I had initially opened it because they offered a Rupay Platinum debit card with lounge access, but since that benefit has been discontinued—and I already have other cards with lounge access—the account no longer meets my needs. With the SMS and debit card charges (including GST), the account costs me around ₹376 per year, so I’m now searching for a new account that offers a Rupay Platinum debit card.

I’ve been considering an IDFC account, but I noticed that they only provide Visa debit cards with their ₹10K and ₹25K minimum balance accounts.

I’ve updated my post to include all my bank account details.

 

[Juganta]

Hi everyone,

I'm looking for a savings account that provides a free RuPay Platinum debit card (either virtual or physical) and comes with zero charges. Ideally, I want a bank that allows for online account opening, without the need to visit a branch. I’m okay with maintaining a minimum balance of up to 25K and don’t mind spending a specific amount yearly to have the debit card fee waived.

I already have a Jio Payments Bank account but would appreciate other recommendations.

If you have any suggestions or experiences with banks offering this kind of account and card, please let me know.

Thanks in advance!

You can open NSDL jiffy 0 bal ac, u will get Rupay plat DC , (Monthly chrg 5.90 inr)

 

[shashankverma]

BOB Lite is the only account you can trust and opt for.
AMB 3K
LTF Rupay Platinum with no joining fee.
Complete online process.

 

[delbinbabu]

I personally hold a AU zero balance, but pay annual fee for platinum dc 150 or 200 plus taxes I guess.
Not sure about spend based waiver, but the account can be opened online.

Thank you for your response.

I’m planning to close my AU account—apologies for not mentioning it earlier in my post.

 

[delbinbabu]

If you have any loans around 2 crores from SBI they upgrade to you to a SBI wealth customer, and they also provide you a free of cost debit card which you have the option to choose either a rupay or a visa signature card. They also waive some basic charges which bank charges like rtgs fees etc.

Thank you for your response.

No, I don’t have any loans, and I’m not someone who frequently makes large transactions through RTGS.

Apologies for not mentioning my bank accounts earlier—I’ve updated the post now.

 

[delbinbabu]

BOB Lite is the only account you can trust and opt for.
AMB 3K
LTF Rupay Platinum with no joining fee.
Complete online process.

Thank you for your response.

I already have a BOB B3 Plus account with a 1K AMB, but I canceled the debit card since I wasn’t using it much and didn’t want to pay fees for something I don’t use.

Would it be possible to upgrade the B3 Plus account to BOB Lite, or should I open a new BOB Lite account and close the B3 Plus one?

Apologies for not mentioning my accounts earlier—I’ve updated the post now.

 

[delbinbabu]

You can open NSDL jiffy 0 bal ac, u will get Rupay plat DC , (Monthly chrg 5.90 inr)

Thank you for the suggestion.

 

[delbinbabu]

If you are below 25 years of age then open bob BRO
If age exceeds 25 then open bob lite with 3K minimum balance.
We get 2 seperate debit cards - virtual and physical

Thank you for your response.

I already have a BOB B3 Plus account with a 1K AMB, but I canceled the debit card since I wasn’t using it much and didn’t want to pay fees for something I don’t use.

Would it be possible to upgrade the B3 Plus account to BOB Lite, or should I open a new BOB Lite account and close the B3 Plus one?

Apologies for not mentioning my accounts earlier—I’ve updated the post
now.

 

[talkwithfino]

Thank you for your response.

I have an HDFC Savings Max account, which I forgot to mention earlier. They provided me with a Visa Platinum debit card instead of a Rupay card. The main reason I'm looking for a new bank account is that I want to close my AU Small Finance Bank account. I had initially opened it because they offered a Rupay Platinum debit card with lounge access, but since that benefit has been discontinued—and I already have other cards with lounge access—the account no longer meets my needs. With the SMS and debit card charges (including GST), the account costs me around ₹376 per year, so I’m now searching for a new account that offers a Rupay Platinum debit card.

I’ve been considering an IDFC account, but I noticed that they only provide Visa debit cards with their ₹10K and ₹25K minimum balance accounts.

I’ve updated my post to include all my bank account details.

Sorry, I deleted my earlier post.

You can opt for Rupay Platinum DC with Idfc's 25 Account (idk the process for tht) Visa Plat is what they give by default.

 

[delbinbabu]

Sorry, I deleted my earlier post.

You can opt for Rupay Platinum DC with Idfc's 25 Account (idk the process for tht) Visa Plat is what they give by default.

Thank you. I will reach out to IDFC First Bank's customer care for more information about the RuPay Platinum Debit Card linked to the 25K AMB account.

 

[Fini7777]

Hi everyone,

I'm searching for a savings account that offers a free RuPay Platinum debit card (virtual or physical) with no charges. Ideally, I’d prefer a bank that allows online account opening, without needing to visit a branch. I’m comfortable maintaining a minimum balance of up to ₹25K and don't mind spending a certain amount annually to get the debit card fee waived.

Currently, I have the following bank accounts:

1. HDFC Savings Max Account – ₹25K AMB (Free VISA Platinum debit card, no other charges)


2. Fi Standard Account – Zero balance (Free virtual VISA debit card, no other charges)


3. Federal Bank SB Freedom Account – ₹1K AMB (CROWN Mastercard debit card, fee waived with ₹75K annual spend; no other charges noticed)


4. Jio Payments Bank Account – Zero balance (Free RuPay Platinum debit card, no other charges)


5. SBI Lotus Saving Account – Zero balance (Virtual RuPay Classic debit card, no related charges)


6. Bank of Baroda B3 Plus Account – ₹1K AMB (No debit card, no charges noticed)


7. AU Digital Savings Account – Zero balance (RuPay Platinum debit card with ₹250 + GST annual fee and ₹17.6 SMS charge debited quarterly)



I’m considering closing my AU Small Finance Bank account and opening a new account with no additional charges at another bank.

If you have any recommendations or personal experiences with banks offering such accounts and cards, I’d love to hear them!

Thanks in advance!

U can open NSDL jiffy it's a 0 MAB account and can be opened online
u will get Virtual Rupay plat DC with 0 fee
but there are some monthly charges of around Rs. 5/- +GST
I am personally using it and if u want physical card u've to pay fee

 

[delbinbabu]

U can open NSDL jiffy it's a 0 MAB account and can be opened online
u will get Virtual Rupay plat DC with 0 fee
but there are some monthly charges of around Rs. 5/- +GST
I am personally using it and if u want physical card u've to pay fee

Thank you for your suggestion. I have added the NSDL Jiffy account to my shortlist.

 

[nemocptn3m0]

@delbinbabu Can you please share your final shortlist or if you have opened any new account, I have a very similar requirement.