Battle of Benefits: BOB RuPay Select vs. BOB EMT RuPay Platinum Debit Cards Which one to choose?

[Anindya98]

The benefits offered by the Bank of Baroda RuPay Select Debit Card (RSDC) significantly outweigh those of the EMT RuPay Platinum Debit Card. On average, RSDC provides annual rewards valued at over ₹18,000, compared to approximately ₹7,500 for the EMT RuPay Platinum card.

Given the annual fees associated with both cards, the benefits far exceed the costs, making them highly valuable depending on individual preferences and spending patterns. Choosing the right card ultimately depends on personal needs and lifestyle. Most consumers aim to offset the annual fee through rewards and bonuses, with any additional perks serving as extra value.

Both the cards FYF with BOB Super Savings Account. If you need both cards then get the RSDC first then the EMT one as a few TF members reported they are not getting the Select DC option after getting the EMT one.

BOB Rupay Select Benefits(Useful Ones):
OTT: Amazon Prime Full Edition costs 1499.
Spa: 1500 Lakme Saloon Voucher per Quater total worth 6000.
Health Check-Up: The tests mentioned it the package easily costs 2000 per quarter without the offer, so the total cost of 8000.
Gym Access: 1 Month Elite Pass Subscription worth 2000.
Cab Services: 100 OLA/Uber Voucher, Total 400
Total Benefits: 17899(Approx)
Annual Fees: 500 + GST = 590



BOB EMT Rupay Platinum Benefits(Useful Ones):
OTT: Amazon Prime Full Edition costs 1499.
Online Shopping: Flipkart 250/Quarter, total worth 1000.
Online Groceries: Big Basket or Blinket 250/Quarter, total worth 1000.
Entertainment: BMS 250/Quarter, total worth 1000.
Amazon Friday Offer: 20% Off up to 100/month. Total 1200
Swiggy Offer: 100/Month. Total 1200
Online Music: Ganna 1 Yr. Subscription 599
Total Benefits: 7498
Annual Fees: 600+GST = 708
Travel Offer(Added Benefits):
Domestic Flight Bookings: 10% instant discount maximum up to Rs. 1,000/- with no Minimum Order Value
International Flight Bookings: 10% instant discount maximum up to Rs. 5,000/- with no Minimum Order Value
Domestic Hotel Bookings: 15% instant discount maximum up to Rs. 5,000/- with no Minimum Order Value
International Hotel Booking: 15% instant discount maximum to Rs. 10,000/- with no Minimum Order Value
Bus Bookings: 10% instant discount maximum up to Rs. 250/- with no Minimum Order Value
Spree Hotels: 25% instant discount maximum up to Rs5000/-
Yolo Bus Booking: 15% instant discount maximum up to Rs300/-
Airport Transfer/Outstation Cab: 10% instant discount maximum up to Rs1000/-
Activity booking: 10% instant discount maximum up to Rs1000/-
Each cardholder is eligible for up to 2 transactions per quarter, per card, within the Travel segment (i.e., Flight, Hotel, and Bus).


Avoid falling into the trap of acquiring both cards out of fear of missing out (FOMO) just because others are doing so. Evaluate your personal needs before deciding. I use both cards because I can effectively offset the annual fees and earn rewards that far exceed the associated costs.
BOB EMT DC Detailed Thread by @Abhishek012

Spoiler: EMT

A

Thread 'BOB EaseMyTrip RuPay Platinum DC | FREE Amazon Prime, 250 Off Gift Card for Bigbasket, Flipkart, Blinkit, Bookmyshow, Gaana+'

Jul 31, 2024

BOB EaseMyTrip RuPay Platinum DC | FREE Amazon Prime, 250 Off Gift Card for Bigbasket, Flipkart, Blinkit, Bookmyshow, Gaana+:

Register link:

RuPay Platinum Card Program

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1) Amazon Prime Video - 12 Month Subscription​

• • With this 12 month subscription get access to the best of OTT entertainment
• View offer Terms & Conditions

2) SonyLIV - 12 Months Sony LIV Premium Subscription​

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...

• Abhishek012
• amazon bank bank of baroda bigbasket bob bookmyshow debit card easemytrip flipkart rupay upi visa
• Replies: 1,067
• Forum: Debit Card

• 
• 

 

[Anupama_Jha]

Excellent 👌🏻 💯 work. Tf reserve kicking 🔜

 

[kuchbhi]

OTT every year and gym every moth for select right?

 

[pinki]

Isiliye maine bs EMT liya 🙂

 

[Anindya98]

OTT every year and gym every moth for select right?

OTT Yes.
Gym is not sure every quarter or annually.

 

[theflash]

I use both cards because I can effectively offset the annual fees and earn rewards that far exceed the associated costs.

Same to Same.

 

[theflash]

OTT every year and gym every moth for select right?

Ott Yearly
Gym Quarterly may differ from bank to bank. I'm aware abt and talking abt Jana SFB RSDC.

 

[neel]

OTT every year and gym every moth for select right?

Gym every quarter of month?

 

[Ram1]

EMT seems very better

 

[credit_geek]

Hi, can anyone clarify if Spa, Health checkup and other benefits available for below cards are quarterly OR annually.
As it is not mentioned on site.

1. PNB Select Credit card
2. Union Bank Select Debit card

 

[neel]

Quarterly I just found out for my bob select wellness

Hi, can anyone clarify if Spa, Health checkup and other benefits available for below cards are quarterly OR annually.
As it is not mentioned on site.

1. PNB Select Credit card
2. Union Bank Select Debit card

 

[6ix9ine]

Hi, can anyone clarify if Spa, Health checkup and other benefits available for below cards are quarterly OR annually.
As it is not mentioned on site.

1. PNB Select Credit card
2. Union Bank Select Debit card

This is not a PNB/Union thread. Please create a separate thread so that, in the future, people can use the search option to find and read it.

 

[credit_geek]

I am getting options for both BOB EMT RuPay NCMC and RuPay Select NCMC cards while applying for a debit card through the BOB app. Are these the cards that offer the OTT, health, spa, and other benefits mentioned in this thread?

 

[kuchbhi]

Gym every quarter of month?

30 days gym membership every quarter of year you get

 

[nh124001]

if bob rupay select gives quaterly benefit for spa, uber and health checkup then yeh bhi apply krdeta hu

 

[Anindya98]

I am getting options for both BOB EMT RuPay NCMC and RuPay Select NCMC cards while applying for a debit card through the BOB app. Are these the cards that offer the OTT, health, spa, and other benefits mentioned in this thread?

Both cards offer different benefits, the only common benefit is OTT. Check the benefits before taking any one of them.

if bob rupay select gives quaterly benefit for spa, uber and health checkup then yeh bhi apply krdeta hu

Apply the Rupay Select DC all these benefits are quarterly

Gym every quarter of month?

30 days gym membership every quarter of year you get

Will update you about the Gym benefit next quarter. Already claimed for this quarter's will see if they renew next month or not.
This quarter I claimed the 1 Month Elite Pass Subscription worth 2000 let's see if they provide it quarterly or not.

 

[Strange]

if bob rupay select gives quaterly benefit for spa, uber and health checkup then yeh bhi apply krdeta hu

 

[TUSHAR.]

I am getting options for both BOB EMT RuPay NCMC and RuPay Select NCMC cards while applying for a debit card through the BOB app. Are these the cards that offer the OTT, health, spa, and other benefits mentioned in this thread?

Yes . .

 

[credit_geek]

The benefits offered by the Bank of Baroda RuPay Select Debit Card (RSDC) significantly outweigh those of the EMT RuPay Platinum Debit Card. On average, RSDC provides annual rewards valued at over ₹18,000, compared to approximately ₹7,500 for the EMT RuPay Platinum card.

Given the annual fees associated with both cards, the benefits far exceed the costs, making them highly valuable depending on individual preferences and spending patterns. Choosing the right card ultimately depends on personal needs and lifestyle. Most consumers aim to offset the annual fee through rewards and bonuses, with any additional perks serving as extra value.

Both the cards FYF with BOB Super Savings Account. If you need both cards then get the RSDC first then the EMT one as a few TF members reported they are not getting the Select DC option after getting the EMT one.

BOB Rupay Select Benefits(Useful Ones):
OTT: Amazon Prime Full Edition costs 1499.
Spa: 1500 Lakme Saloon Voucher per Quater total worth 6000.
Health Check-Up: The tests mentioned it the package easily costs 2000 per quarter without the offer, so the total cost of 8000.
Gym Access: 1 Month Elite Pass Subscription worth 2000.
Cab Services: 100 OLA/Uber Voucher, Total 400
Total Benefits: 17899(Approx)
Annual Fees: 500 + GST = 590

View attachment 76631

BOB EMT Rupay Platinum Benefits(Useful Ones):
OTT: Amazon Prime Full Edition costs 1499.
Online Shopping: Flipkart 250/Quarter, total worth 1000.
Online Groceries: Big Basket or Blinket 250/Quarter, total worth 1000.
Entertainment: BMS 250/Quarter, total worth 1000.
Amazon Friday Offer: 20% Off up to 100/month. Total 1200
Swiggy Offer: 100/Month. Total 1200
Online Music: Ganna 1 Yr. Subscription 599
Total Benefits: 7498
Annual Fees: 600+GST = 708
Travel Offer(Added Benefits):
Domestic Flight Bookings: 10% instant discount maximum up to Rs. 1,000/- with no Minimum Order Value
International Flight Bookings: 10% instant discount maximum up to Rs. 5,000/- with no Minimum Order Value
Domestic Hotel Bookings: 15% instant discount maximum up to Rs. 5,000/- with no Minimum Order Value
International Hotel Booking: 15% instant discount maximum to Rs. 10,000/- with no Minimum Order Value
Bus Bookings: 10% instant discount maximum up to Rs. 250/- with no Minimum Order Value
Spree Hotels: 25% instant discount maximum up to Rs5000/-
Yolo Bus Booking: 15% instant discount maximum up to Rs300/-
Airport Transfer/Outstation Cab: 10% instant discount maximum up to Rs1000/-
Activity booking: 10% instant discount maximum up to Rs1000/-
Each cardholder is eligible for up to 2 transactions per quarter, per card, within the Travel segment (i.e., Flight, Hotel, and Bus).

View attachment 76635
Avoid falling into the trap of acquiring both cards out of fear of missing out (FOMO) just because others are doing so. Evaluate your personal needs before deciding. I use both cards because I can effectively offset the annual fees and earn rewards that far exceed the associated costs.
BOB EMT DC Detailed Thread by @Abhishek012

Spoiler: EMT

A

Thread 'BOB EaseMyTrip RuPay Platinum DC | FREE Amazon Prime, 250 Off Gift Card for Bigbasket, Flipkart, Blinkit, Bookmyshow, Gaana+'

Jul 31, 2024

BOB EaseMyTrip RuPay Platinum DC | FREE Amazon Prime, 250 Off Gift Card for Bigbasket, Flipkart, Blinkit, Bookmyshow, Gaana+:

Register link:

RuPay Platinum Card Program

rupayplat.golftripz.com

1) Amazon Prime Video - 12 Month Subscription​

• • With this 12 month subscription get access to the best of OTT entertainment
• View offer Terms & Conditions

2) SonyLIV - 12 Months Sony LIV Premium Subscription​

• • With this SonyLIV subscription, get access to live TV, shows, originals & more
• View offer Terms & Conditions

...

• Abhishek012
• amazon bank bank of baroda bigbasket bob bookmyshow debit card easemytrip flipkart rupay upi visa
• Replies: 1,067
• Forum: Debit Card

• 
• 

Hi, I checked on BOB site - https://www.bankofbaroda.in/persona...cts/cards/debit-cards/rupay-select-debit-card
On Rupay Select DC page it does not mention whether SPA, Health checkup are quarterly?

Also is the Quarter as per Jan-Dec calendar or as per the date of card approval?

 

[Sup]

Hi, I checked on BOB site - https://www.bankofbaroda.in/persona...cts/cards/debit-cards/rupay-select-debit-card
On Rupay Select DC page it does not mention whether SPA, Health checkup are quarterly?

Also is the Quarter as per Jan-Dec calendar or as per the date of card approval?

Quarter as per Jan-dec calendar