I'm already using SBI for my salary, but I also need a second account for savings. Between ICICI and HDFC, which offers a better app and more reliable UPI? I’m looking for low balance requirements and a smooth experience without too many daily headaches.

Considering the IDBI Gold Debit Card for international trips, what are all the associated fees (annual, domestic/international transactions, hidden)? Can I expect additional perks or benefits if I hold this card?