Zero Balance Accounts in India 2025 : Looking to open a zero balance bank account in India 2025 that not only saves your money but also rewards you with cashback? In 2025, several banks are offering ₹0 minimum balance accounts with exciting benefits like free UPI access, virtual & physical debit cards, and even instant signup cashback up to ₹500!
In this post, we cover the Top 5 Zero Balance Bank Accounts in india 2925 you can open today. Best part? All of them are 100% online and paperless.
1. Kotak 811 Digital Account
- Cashback: Up to ₹500 via referral offers and spends
- Minimum Balance: ₹0
- Free UPI: Yes (via Kotak app)
- Debit Card: Virtual + Physical (on request)
- Highlights: Instant account, trusted private bank, app-based management
2. Jupiter Digital Savings Account
- Cashback: ₹150–₹300 on spends & referral
- Minimum Balance: ₹0
- Free UPI: Yes (via Jupiter app)
- Debit Card: Free Visa card (physical)
- Highlights: Neo banking, expense tracking, offers
Link: 🔗 Apply on Jupiter
3. Airtel Payments Bank
- Cashback: ₹50–₹150 on recharges and bill payments
- Minimum Balance: ₹0
- Free UPI: Yes (UPI ID via Airtel Thanks)
- Debit Card: Virtual + optional physical
- Highlights: Airtel ecosystem integration, fast KYC
Link : 🔗 Register with Airtel Payments Bank
4. IndusInd Digital Savings Account (Indie by IndusInd)
- Cashback: ₹250–₹500 on debit card spends
- Minimum Balance: ₹0 (Indie Basic Plan)
- Free UPI: Yes
- Debit Card: Free Virtual + Physical on request
- Highlights: Modern app, goal-based savings, instant setup
- Account Open Link : Open Indie Account
5. HDFC Insta Account (Digital Zero Balance)
Zero Balance Accounts in India 2025
- Cashback: Via Smart Buy deals (10%–25% on Amazon, Flipkart, etc.)
- Minimum Balance: ₹0 (Basic savings variant)
- Free UPI: Yes
- Debit Card: Virtual Visa + optional physical card
- USP: Backed by HDFC Bank – one of India’s top private banks
Zero Balance Accounts in India 2025 – Feature wise Comparison
Zero Balance Accounts in India 2025
| Feature 🔍 | Kotak 811 | Indie by IndusInd | Jupiter | Airtel Payments Bank | HDFC Bank |
|---|---|---|---|---|---|
| 🏦 Partner Bank | Kotak Mahindra Bank | IndusInd Bank | Federal Bank | Airtel Payments Bank | HDFC Bank |
| 💸 Minimum Balance | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| 💳 Debit Card | Free (Virtual) | Free (Virtual & Physical) | VISA Physical | Virtual + Optional Physical | Rupay/VISA Debit Card |
| 💰 Cashback / Offers | Shopping, UPI | Bill Payments Cashback | UPI + Debit Spend | Bill Payment Cashback + Rewards | Cashback via SmartBuy & BillPay |
| 🔄 UPI Enabled | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| 📲 Mobile Banking App | Kotak App | Indie App | Jupiter App | Airtel Thanks App | HDFC Mobile Banking App |
| 🚀 Account Opening | Instant via Aadhaar | Instant (Aadhaar + PAN) | Aadhaar + PAN | Via Mobile with Aadhaar | Instant via Video KYC |
| 🛡️ Account Security | Secure + Trusted | IndusInd Grade | Smart Alerts | OTP + Device Verification | HDFC-grade Multi-layered Security |
| ⭐ Ideal For | Beginners & Students | Utility Bill Users | Cashback Lovers | Airtel Users + Bill Payers | Salary & Cashback Users |
Why Choose a Zero Balance Accounts in India 2025
- ₹0 balance = no pressure
- Cashback & rewards = extra saving
- Free UPI, debit card = easy digital life
- Instant online account = fast access
Key Benefits of These 5 Accounts
- Use bullet points:
- No minimum balance charges
- Free virtual or physical debit cards
- Cashback on bill payment, UPI, shopping
- Works with apps like PhonePe, Google Pay, etc
- Best for students, freelancers, and salaried users
How to Open a Zero Balance Accounts In india 2025 Online
- Choose bank (from above table)
- Download official app (Kotak, Indie, etc.)
- Enter PAN + Aadhaar
- Complete video KYC (if required)
- Account is ready instantly!
FAQs – Zero Balance Accounts in India 2025
Q1. Can I open these accounts without going to the bank?
Yes, all 5 accounts can be opened online from your phone.
Q2. Is cashback guaranteed?
It depends on the account activity (like bill payment, debit card use). Terms apply.
Q3. Can I link these with UPI apps?
Yes, all support UPI and work with Google Pay, PhonePe, etc.
Q4. Which account has highest cashback?
Jupiter and Indie offer best cashback for most users.
Disclaimer: This article is for informational purposes only. Cashback offers and features mentioned above are subject to change by respective banks or apps. Please refer to the official website or mobile app of the respective banks for accurate and latest details. We do not provide any financial services or banking advice.Zero Balance Accounts in India 2025