Half Human
TF Ace
RSDC pdf .
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Devaluation RuPay Select Debit Card & RuPay Platinum Debit card Airport Lounge Access Devaluation
- Thread starter Abhishek012
- Start date
Abhigyan kumar
TF Ace
Used railway lounge on 18 February using canara rsdc at platform 1 new delhi and yes railway lounge was there
Half Human
TF Ace
Okay my mistake. Did not know. Deleting previous comment.
Abhigyan kumar
TF Ace
@Abhishek012 railway lounge ka batana mujhe kuch pata chala to
Abhigyan kumar
TF Ace
Railway lounge was better than airport lounge. I guess now there will be no railway lounge 😔.
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Half Human
TF Ace
Nowhere is it mentioned in the new circular. So maybe not anymore... 🥺
Half Human
TF Ace
So the summary of the circular is that.
1) Bank need to pay 250 per card to NPCI, upto a utilisation of individual benefits as shown as (utilisation ratio). Beyond this utilisation limit (cap), bank needs to pay extra per usage to NPCI.
However the price tariff associated in Annexure A is at MRP. So we consumers would never know at what price it is bought by NPCI and being charged from the bank beyond the Utilisation Limit.
2) Lounge devalued to 1/Qtr without any spend limit. International lounge remains unchanged. Railway lounges not anymore I guess.
3) Banks might push for more RSDC, as for annual issuance more than 25k, bank will get rebate from the 250/- and additional tariff, starting from 20% to 80%. Hence more profit to the bank. So would not be surprised if the eligibility for RSDC would now be lowered.
1) Bank need to pay 250 per card to NPCI, upto a utilisation of individual benefits as shown as (utilisation ratio). Beyond this utilisation limit (cap), bank needs to pay extra per usage to NPCI.
However the price tariff associated in Annexure A is at MRP. So we consumers would never know at what price it is bought by NPCI and being charged from the bank beyond the Utilisation Limit.
2) Lounge devalued to 1/Qtr without any spend limit. International lounge remains unchanged. Railway lounges not anymore I guess.
3) Banks might push for more RSDC, as for annual issuance more than 25k, bank will get rebate from the 250/- and additional tariff, starting from 20% to 80%. Hence more profit to the bank. So would not be surprised if the eligibility for RSDC would now be lowered.
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Abhishek012
TF Pioneer
No, Rs1275 is not incorrect information.
This news is from two years ago. Ankur Mittal had mentioned that banks pay ₹800-900.
If you don't know Ankur, he is the founder of CardInsider. He has considerable knowledge.
Even last year, he checked and found that banks pay ₹700 to ₹900 per customer.
Now, coming back to the ₹1275 cost—lounge costs vary depending on the airport and city tiers.
NPCI has also mentioned:
"The above price will be subject to change in case the merchant revises the same. The revised rates will be communicated to the member banks."
One more thing to consider: In the past few years, we’ve seen that most banks have set up their own lounge partnerships and discontinued card network lounges. Perhaps the reason for this is that card networks—whether RuPay, Visa, or Mastercard—charge slightly higher fees. Otherwise, why would banks feel the need to establish their own lounge tie-ups?
So now the minimum spend for Rupay Debit for lounge access will be only 10k in previous quarter. right??
Half Human
TF Ace
@Abhishek012 ... Salute for the massive effort took to answer this the way, you answered.. understood... Thanks
Half Human
TF Ace
Applicable for select too? Didn't see it mentioned like that
Abhishek012
TF Pioneer
The airport lounge access spend based limit is decided by banks, not NPCI.
If banks want they can increase access from 1 lounge to 2 lounges per quarter or even reduce it to 0 lounges per quarter.
Of course, banks will have to bear the cost for it.
For some banks attracting customers solely through lounge access is their USP.
If they want, they can still offer 2 or 3 lounge visits per quarter on RuPay Select debit cards.
Abhigyan kumar
TF Ace
Bhai apse railway lounge Kai bare mai pucha uska bhi kuch batao
pramuknura
TF Select
Hope they continue this.
beast34
TF Buzz
Can you share RPDC pdf also
Abhigyan kumar
TF Ace
@Abhishek012 railway lounge ka kuch pata chala?
thewittypanda
TF Select
If I am reading correctly - for RuPay Platinum Debit Card Holders - 1 lounge access per calendar year. Earlier it was 1 lounge access per quarter. Huge Devaluation.
Abhishek012
TF Pioneer
Arey ha, maine Platinum ka dhayan he nahi diya tha. 🤣🤣
Keep in mind that banks also share the lounge usage quota from their side.
Some specific cards and higher variant platinum cards will have a different quota, and for some private banks, the quota is decided by the banks themselves, not by NPCI.
Yes
Same I checked in pdf for RPDC 1 lounge/yr domestic 1 and international 1
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