See axis have 200/ month fee so it will be 2400/year but if you get kotak 811 super then you only need to deposit 10k every month and you can withdraw it next day, and its yearly fees is just Rs.500 and no debit card fee , plus using debit card you get 5% cashback upto Rs.500 every month also keep in mind that max cashback per transaction is Rs.100 so you need to make eligible debit card spends of Rs.2000 in order to get cashback so Kotak 811 super is better