2 accounts available
ICICI Bank
ICICI Bank Pratham Savings Account is a zero-balance digital savings account designed to bring every Indian into the formal banking system. Whether you are a student opening your first bank account, a gig worker receiving digital payments, or someone who prefers not to maintain a minimum balance, the Pratham account offers a friction-free entry point to ICICI Bank's digital banking ecosystem. The account opening process is entirely digital. Using the iMobile app or the ICICI Bank website, you can complete video KYC by scanning your Aadhaar card, taking a selfie, and providing your PAN number. The entire process takes under 10 minutes, and your account number is issued instantly. You receive a virtual ICICI Bank Pratham Rupay Debit Card immediately upon account activation. This virtual card can be linked to any UPI app and used for online shopping, bill payments, and merchant QR scans. A physical debit card can be requested through the app and delivered to your doorstep within 3-5 business days. All UPI and IMPS transfers are free and unlimited — a significant advantage for users who receive payments via UPI or need to make frequent digital transfers. The account also supports WhatsApp Banking, which allows you to check your account balance, view mini statements, and get branch locator information simply by sending a message on WhatsApp. You can upgrade from Pratham to a full ICICI Bank Savings Account at any time by completing full KYC at a branch, unlocking additional features like a higher limit debit card, overdraft facility, and relationship manager access. Source: ICICI Bank official website, updated May 2026.
ICICI Bank
ICICI Bank Savings Account is one of India's most comprehensive bank accounts, offering a perfect blend of digital innovation and traditional banking reliability. With one of India's highest-rated mobile banking apps and a robust branch network, ICICI Bank serves over 35 million customers across urban and semi-urban India. The iMobile app from ICICI Bank is widely regarded as one of the best mobile banking applications in India. It offers a complete suite of banking services including fund transfers, bill payments, investment purchases, credit card management, and even shopping — all secured with multi-factor authentication and biometric login. The interest rate of 3.0% per annum is applied on the full balance in your savings account, with interest calculated daily and credited quarterly. For balances above ₹50 lakhs, the rate is higher at 3.5% p.a., making the account attractive for high-net-worth individuals. The complimentary ICICI Bank Debit Card comes in multiple variants depending on the account balance and relationship value. The Visa Infinite and Mastercard Platinum variants offer premium privileges including access to airport lounges (via MasterCard Airport Experiences), complimentary movie tickets, and discounts at premium restaurants and hotels across India. ICICI Bank's digital ecosystem also includes ICICI Bank PayLater, which provides a built-in buy-now-pay-later facility directly from your savings account — a unique feature not commonly found in standard savings accounts at other banks. Source: ICICI Bank official website, updated May 2026.