Can a bank put a lien on my savings account?

I defaulted on a Citibank credit card, and I have a salary account in HDFC bank. I want to know whether Citibank credit card people can freeze my HDFC account? In most cases, if the defaulter has a card of the same bank, then the bank can swipe clean the savings account. But since in my case, I am defaulting on Citibank card and my savings account is with HDFC, will my account get affected? I am also trying to clear the amount as soon as possible

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is a lien on savings account legal