Yes it's the same shitty Rupay card which everyone is offering nowadays. I did not select yes for virtual rupay card to be generated and yet they had generated it, found a couple of offers of 100 - 150 cb on spends
What he implied is that it's 0 balance after upgradation. Previously even being part of select my account was showing 25k MAB but now since last month it's not showing that - maybe in the backend they've tagged all HNI accounts separately and not part of 10k/25k AMB