Best Zero Balance Savings Accounts in India (2025)
💰 Enjoy banking with no minimum balance, exciting benefits, and 100% online application!
1. Axis Bank ASAP Zero Balance Account
- Monthly Balance: ₹0
- Interest Rate: 3% to 3.5% p.a.
- Account Type: Digital Savings (Video KYC supported)
- Features:
- Instant account via Aadhaar + PAN
- Free virtual debit card & UPI-enabled
- Max balance ₹1 lakh (before Full KYC)
- 250+ transactions/month allowed online
- Charges: No fees if Full KYC is done within 1 year
2. Kotak 811 super Zero Balance Account
- Monthly Balance: ₹0
- Interest Rate: 3% to 3.5% p.a.
- Features:
- Open with Aadhaar + PAN in 5 mins
- Free virtual debit card
- Instant UPI, IMPS & NEFT transfers
- No hidden fees or maintenance charges
- Charges: ₹0 (if KYC completed)
3. Airtel Payments Bank Savings Account
- Monthly Balance: ₹0
- Interest Rate: 3% p.a.
- Features:
- Free personal accident cover of ₹1 lakh
- Direct benefit transfers enabled
- Cashback on utility payments via Airtel Thanks app
- Instant UPI & online transfers
- Charges: No monthly fee. Nominal ATM fees may apply
4. IndusInd Delight Zero Balance Account
- Monthly Balance: ₹0
- Interest Rate: 4% to 6% p.a. (based on slabs)
- Features:
- Free Platinum Debit Card
- ₹250 Amazon Voucher on activation
- 5% cashback on groceries, Swiggy, bill payments
- UPI, mobile banking & billers linked
- Charges: ₹0 for non-maintenance
5. IndusInd Indie Digital Savings Account
- Monthly Balance: ₹0
- Interest Rate: Up to 6.75% p.a.
- Features:
- Open digitally in under 3 minutes
- Earn rewards on spends & bill payments
- Custom debit cards (Neon, Classic)
- Full KYC & physical card delivery available
- Charges: No hidden charges on zero balance
6. Axis Amaze Digital Account
- Monthly Balance: ₹0
- Interest Rate: 3.5% p.a.
- Features:
- Reward points via Axis EDGE program
- Virtual debit card & UPI access
- FASTag, bill payments, and smart dashboard
- Charges: No minimum balance fee
7. Jupiter Digital Savings Account
- Monthly Balance: ₹0
- Interest Rate: 3.5% to 5% p.a.
- Features:
- Backed by Federal Bank
- Auto categorization of expenses
- UPI rewards & smart money tracking
- Free VISA debit card with ATM access
- Charges: ₹0 non-maintenance fee
8. IDFC FIRST Bank Zero Balance Savings Account
- Monthly Balance: ₹0
- Interest Rate: 4% on ₹1L, 7% on above ₹1L
- Features:
- Free VISA debit card
- Unlimited free ATM transactions
- Instant mobile banking setup
- Auto sweep-in & SMS alerts free
- Charges: ₹0 charges on zero balance
