Bank of Maharashtra || Rupay select debit card || REVIEW

[shankyjain]

This is just for information for people who hold Rupay Select Debit card (i am holding Bank Of Mahashtra- RSDC). When i sent a query to Rupay team regarding the benefits update frequency / renewal of benefits -every year or quaterly, i received following response.

"Please note for the Bank of Maharashtra Rupay Select Card starting with first 6 digits as 6524** the benefit frequency details are based on calendar year and can be redeemed once service out of each category and the details are as follows:

OTT ( Amazon Prime/ Zee5/ Sonyliv): Yearly once
Cab (Ola/ Uber): Quarterly
Healthcare (SRL/Thyrocare): Quarterly
Spa (For Fountains/ HR Wellness/ Kairali/ Aromathai/ O2 Spa/ Lakme): Quarterly
Fitness ( Cult.fit 1 Month/ Cult.fit 3 Months): Quarterly
Golf Round: Quarterly
Golf Lesson: Quarterly "

Previously i thought all benefits were updated yearly only, but now i can use the coupons extensively.
Bank of Maharashtra offered RSDC for free by opening a min bal 25k account.
i hope its useful for all members.

 

[shankyjain]

Can you please mention where are you checking the vouchers get generated ?

You can check vouchers on rupay website after login - https://www.rupay.co.in/select-booking.

 

[federer.reddevil]

Rupay Select Card has no charges with 25k MAB account or Issuance and Annual charge is there?

 

[iamsamratdutta]

Rupay Select Card has no charges with 25k MAB account or Issuance and Annual charge is there?

Yes no charge just make sure its BSS-25

 

[federer.reddevil]

Yes no charge just make sure its BSS-25

Will do that I have contact of my local branch will tell them to make it BSS-25

 

[✪ D&C Cards Connoisseur 💳]

Hello folks, I have opened BSS-25 on 15th March 2025. After multiple follow-ups with branch nodal officer, I received Chq book on 4th April. But RSDC has not been applied till date. On 5th April I have emailed to cmcustomerservice@mahabank.co.in ; agmcustomerservice@mahabank.co.in ; hocomplaints@mahabank.co.in separately expressing my grievance. I haven't received any response yet, not sure if I will get any response because someone in this thread mentioned that even after mailing to HO, he haven't received any response.
Please suggest what best can be done to escalate further. They have successfully wasted my Q1 Rupay benefits.

 

[ritwik2000]

Anyone downgraded from BSS 25 to SB General after getting the card?

 

[Cardzmania]

Hello folks, I have opened BSS-25 on 15th March 2025. After multiple follow-ups with branch nodal officer, I received Chq book on 4th April. But RSDC has not been applied till date. On 5th April I have emailed to cmcustomerservice@mahabank.co.in ; agmcustomerservice@mahabank.co.in ; hocomplaints@mahabank.co.in separately expressing my grievance. I haven't received any response yet, not sure if I will get any response because someone in this thread mentioned that even after mailing to HO, he haven't received any response.
Please suggest what best can be done to escalate further. They have successfully wasted my Q1 Rupay benefits.

Bro..Bro....... You have to slow down..... You have send an email only on yesterday (Saturday), today is Sunday, what you expect from PSU bank work for you only even on Sunday. Even private bank took 2-3 working days to response. I don't see point here blaming blanks all the time. I understand most of the time they are ignorant towards customer, but in your case I don't see any thing like that so far.

Regards you point related to "successfully wasted my Q1 Rupay benefits" sounds privileged. To complain about wastage of your benefits is completely baseless. You have just processed account 15 days back and you expect everything at your door steps immediately. If you are so worried about benefits you should have started this process from January itself.

Above is just a friendly advise, please don't take it otherwise. I am not advocating behalf of bank, but at the same we have to be rational and logical about our demand here, keeping in mind that we are dealing with PSU bank not any private banks.

 

[6ix9ine]

Bro..Bro....... You have to slow down..... You have send an email only on yesterday (Saturday), today is Sunday, what you expect from PSU bank work for you only even on Sunday. Even private bank took 2-3 working days to response. I don't see point here blaming blanks all the time. I understand most of the time they are ignorant towards customer, but in your case I don't see any thing like that so far.

Regards you point related to "successfully wasted my Q1 Rupay benefits" sounds privileged. To complain about wastage of your benefits is completely baseless. You have just processed account 15 days back and you expect everything at your door steps immediately. If you are so worried about benefits you should have started this process from January itself.

Above is just a friendly advise, please don't take it otherwise. I am not advocating behalf of bank, but at the same we have to be rational and logical about our demand here, keeping in mind that we are dealing with PSU bank not any private banks.

People have no patience these days, very well put.

 

[La pasión]

People have no patience these days, very well put.

Actually bank of maharashtra has some problem within their system. You have to apply for the dc by visiting the branch. I have a friend he opened account in jan but he hasn't got the dc till now as he was not able to visit branch since the distance is 50km from his home. Soo he decided to raise complain to get his dc now it's been 2.5 months he hasn't got the dc till now. Few days earlier the employee punched the dc request in their system after receiving complain from rbi they did stood their ground since 2 months as if they were right and customer has to visit the branch to apply for the dc but the online account opening clause itself says dc will be delivered without visiting branch . So yeah think twice about opening account online if you cannot visit the branch to apply for rupay select dc

 

[6ix9ine]

Actually bank of maharashtra has some problem within their system. You have to apply for the dc by visiting the branch. I have a friend he opened account in jan but he hasn't got the dc till now as he was not able to visit branch since the distance is 50km from his home. Soo he decided to raise complain to get his dc now it's been 2.5 months he hasn't got the dc till now. Few days earlier the employee punched the dc request in their system after receiving complain from rbi they did stood their ground since 2 months as if they were right and customer has to visit the branch to apply for the dc but the online account opening clause itself says dc will be delivered without visiting branch . So yeah think twice about opening account online if you cannot visit the branch to apply for rupay select dc

Agreed, I rarely opt for virtual/online stuff for PSUs. Physical is best, at least you see things by yourself. Good that your friend finally getting it.

 

[✪ D&C Cards Connoisseur 💳]

Bro..Bro....... You have to slow down..... You have send an email only on yesterday (Saturday), today is Sunday, what you expect from PSU bank work for you only even on Sunday. Even private bank took 2-3 working days to response. I don't see point here blaming blanks all the time. I understand most of the time they are ignorant towards customer, but in your case I don't see any thing like that so far.

Regards you point related to "successfully wasted my Q1 Rupay benefits" sounds privileged. To complain about wastage of your benefits is completely baseless. You have just processed account 15 days back and you expect everything at your door steps immediately. If you are so worried about benefits you should have started this process from January itself.

Above is just a friendly advise, please don't take it otherwise. I am not advocating behalf of bank, but at the same we have to be rational and logical about our demand here, keeping in mind that we are dealing with PSU bank not any private banks.

Thanks bro for your advice. I know I have mailed them just 1 day back and I'm not in hurry to get response. I just wanted to know that what can be done to escalate further if I don't get any response because someone already posted that he didn't got reply even after mailing HO. So, it's better to know the escalation matrix in advance so that escalations can be done easily.
And coming to your theory of delay in processing PSU Banks deliverables, for your knowledge I have opened Union Bank a/c on same day itself after opening BoM a/c and all the deliverables reached me within a week. Yes you read it right, chq book & RSDC reached me within a week without any trouble. So, all banks are not same.

 

[✪ D&C Cards Connoisseur 💳]

Actually bank of maharashtra has some problem within their system. You have to apply for the dc by visiting the branch. I have a friend he opened account in jan but he hasn't got the dc till now as he was not able to visit branch since the distance is 50km from his home. Soo he decided to raise complain to get his dc now it's been 2.5 months he hasn't got the dc till now. Few days earlier the employee punched the dc request in their system after receiving complain from rbi they did stood their ground since 2 months as if they were right and customer has to visit the branch to apply for the dc but the online account opening clause itself says dc will be delivered without visiting branch . So yeah think twice about opening account online if you cannot visit the branch to apply for rupay select dc

Hey, I opened BSS-25 in their branch offline. DC form was bundled with a/c opening form & has been fillled on the same day itself. So, ultimately it looks like whether you open it offline or online, you have to take the trouble in BoM.

 

[panu24]

Actually bank of maharashtra has some problem within their system. You have to apply for the dc by visiting the branch. I have a friend he opened account in jan but he hasn't got the dc till now as he was not able to visit branch since the distance is 50km from his home. Soo he decided to raise complain to get his dc now it's been 2.5 months he hasn't got the dc till now. Few days earlier the employee punched the dc request in their system after receiving complain from rbi they did stood their ground since 2 months as if they were right and customer has to visit the branch to apply for the dc but the online account opening clause itself says dc will be delivered without visiting branch . So yeah think twice about opening account online if you cannot visit the branch to apply for rupay select dc

Sharing my experience here:
BoM made me to use my account without normal DC for more than 2 years. I made 2 visits to branch, both the times I am asked to write my details in their register and told me that they will soon send my DC to my home address. I even complained to their grievance at end of first 6 months and they get back to me after 1 year of initial reporting to branch that I need DC. Their response was that they got my grievance complaint and they still don't have any DC ready to dispatch and will be sending soon. I then forgot about this DC. Exactly after 23 months of initial complaint I went branch again this time employee asked me to fill form instead to write to any register and gave me insta DC where we don't used to have our name printed on DC.

 

[La pasión]

Sharing my experience here:
BoM made me to use my account without normal DC for more than 2 years. I made 2 visits to branch, both the times I am asked to write my details in their register and told me that they will soon send my DC to my home address. I even complained to their grievance at end of first 6 months and they get back to me after 1 year of initial reporting to branch that I need DC. Their response was that they got my grievance complaint and they still don't have any DC ready to dispatch and will be sending soon. I then forgot about this DC. Exactly after 23 months of initial complaint I went branch again this time employee asked me to fill form instead to write to any register and gave me insta DC where we don't used to have our name printed on DC.

Apka to mere dost sai bhi khatarnak scene h

 

[ritwik2000]

Sharing my experience here:
BoM made me to use my account without normal DC for more than 2 years. I made 2 visits to branch, both the times I am asked to write my details in their register and told me that they will soon send my DC to my home address. I even complained to their grievance at end of first 6 months and they get back to me after 1 year of initial reporting to branch that I need DC. Their response was that they got my grievance complaint and they still don't have any DC ready to dispatch and will be sending soon. I then forgot about this DC. Exactly after 23 months of initial complaint I went branch again this time employee asked me to fill form instead to write to any register and gave me insta DC where we don't used to have our name printed on DC.

bhailog

jab atm apply krte ho ek receipt le liya kro. followup with them on this via email. ni aya to rbi bo me complain kr hi sakte ho.

 

[6ix9ine]

bhailog

jab atm apply krte ho ek receipt le liya kro. followup with them on this via email. ni aya to rbi bo me complain kr hi sakte ho.

Jaisa hisab kitab chal rha hai bhai pta chala baad mai bank wale bole:

"Sir yeh receipt toh hamari hai hi nhi, aapko kisine farji parchi pakda di hai ji, hum toh kuch dete hi nhi ☺️"

 

[✪ D&C Cards Connoisseur 💳]

Hello folks, I have opened BSS-25 on 15th March 2025. After multiple follow-ups with branch nodal officer, I received Chq book on 4th April. But RSDC has not been applied till date. On 5th April I have emailed to cmcustomerservice@mahabank.co.in ; agmcustomerservice@mahabank.co.in ; hocomplaints@mahabank.co.in separately expressing my grievance. I haven't received any response yet, not sure if I will get any response because someone in this thread mentioned that even after mailing to HO, he haven't received any response.
Please suggest what best can be done to escalate further. They have successfully wasted my Q1 Rupay benefits.

Update : This might be extremely helpful who are going to open new BSS-25 a/c or those who are struggling to get their RSDC.
Since I have not received any automated ticket email after I mailed to them, so I decided to lodge grievance online, where we will be getting Ticket Ref # for grievance and expected resolution timeframe.
Open grievance portal: https://bankofmaharashtra.in/pgrs/register_grievance?source=w
Fill mandatory details and select the grievance category as shown in below image.


For me, I raised complaint on 6th April (Sunday), received auto response ticket ID over email. On 7th April, got email update as work is in progress. On 8th April, branch called me & requested to collect the card. Later got email response that my DC has been shipped on 21st March with AWB # through India Post and requesting to collect the card from branch.
So, this clearly shows that the card was issued on time, received by the branch on time, but it's the branch who doesn't have the responsibilty to inform customer about deliverables, until & unless escalated at HO level.



This is also for my few friends out here in TF community giving advices of a/c should have been opened in Jan, etc, etc and few of their supporters, that I could have used my Q1 RSDC benefits if my branch would have informed me about collecting the DC on time, considering the week next to 21st March had 6 bank working days and India Post takes max 2-3 days to deliver my deliverables, oh yes India Post SO and Pin is same for my home & branch.

 

[✪ D&C Cards Connoisseur 💳]

Debit Card Set Pin Update - Now, post card activation from branch (linkage between DC & Account) , user can Set Debit Card Pin through Maha Mobile + app. You don't have to search and visit any BoM atm for the same. I personally tried and it's working. Transacted a small amount in Apay Wallet & ecom working fine. On Monday, I will withdraw cash for first time from ATM and will check whether set pin is successful or not. Hopefully it will work because post generating pin, DC status changed to Active in app & netbanking. Earlier, it was showing as first transaction required.

 

[raghu.rokda]

We can also apply for LTF virtual rsdc card from Maha mobile app..

Account should be 25k mab while applying from app..

 

[6ix9ine]

We can also apply for LTF virtual rsdc card from Maha mobile app..

Account should be 25k mab while applying from app..

That rsdc will be unique?