I’ve been making some changes to my banking recently. From so long of using just one bank account, one debit card and 1 credit card (all from the same bank), I’ve branched out to a new credit card from RBL Bank and I have just opened a new account with Kotak Mahindra.

From last December I’ve been looking half-hardheartedly and meaning to open a 0 balance account with a bank and keep that debit card with me for separate purposes. I have thought of going back to my old Federal Bank account or checking with a few other banks that may offer this. I would also like to transfer some of the money I make online from my freelance blogging & hosting to this account.

Now, this is not a plug for them but I found the perfect one. Kotak 811 debit card, where you can use a virtual one or get a physical one, is the one I just applied for. They have two options and I opted for the 0 balance, Rs.199 Plus taxes fee a year. Earn up to 6%* interest p.a. on your savings account balance. And best of all applying for it online was easy as pie.

Let’s see how this goes.