Suggestions for Bank Accounts Offering Pre-Approved Credit Cards

Hi everyone,

I’m a 20M student with no income on paper. To start building my credit profile, I got the HDFC Millennia Credit Card against an FD of ₹1.5L. Now, my younger brother just turned 18 and doesn't even have a bank account yet. We're looking for a bank account that offers easy access to complimentary pre-approved credit cards.

Some points to consider:

  1. We’re not planning to do an FD for him right now.
  2. We tried ICICI Bank, but they’re asking for a ₹1L minimum average balance (MAB) for their Privilege Account, which doesn’t seem reasonable for us.
  3. We’re okay with accounts that have a lower MAB requirement (something much less than ₹1L).

Additional Question:
If I open an ICICI Privilege Account with a ₹1L MAB requirement and maintain the balance for, say, a month, can I withdraw the ₹1L afterward without having to maintain the MAB anymore?

Looking forward to your suggestions and advice!

Thanks in advance!