What's the cheapest way to maintain an NRE account with a debit card?

All Indian banks seems to be helbent on maximizing profits when dealing with NRIs for them and telecom companies, with fees for debit card issuance, annual fees for debit card maintenance, nor permitting any transactions online without OTPs, rediculously high currency exchange spread rate; I am trying to figure out what is the most low cost way to maintain a NRO/NRE account handle with a debit card or some other online payment option.