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Battle of Benefits: BOB RuPay Select vs. BOB EMT RuPay Platinum Debit Cards Which one to choose?
- Thread starter Anindya98
- Start date
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bharathnalla
TF Select
Can I open Super Savings first get the RSDC and then downgrade to get EMT? Will the RSDC gets blocked?
bharathnalla
TF Select
Which account do you have?
Humanbeing
TF Premier
No
Yes, you can do that, but it will be charged if you downgrade the account while in BOB Super saving account you get all DC FYF.
Anindya98
TF Legend
Yes
No, both the DC fees will be charged after the Downgrade. Wait for a minimum of 6 months before downgrading.
bharathnalla
TF Select
Do we need to go to branch for downgrade or can we do online?
TUSHAR.
TF Select
Branch Visit is required
Excellent Comparison. @Anindya98The 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 ā¹18,000, compared to approximately ā¹7,500 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
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
However, I feel prices are inflated.
I can not comment on EMT Rupay, but after doing a little research, in my view fair prices and final benefits offered by Rupay Select would be as follows:
Cost-Benefit Analysis of Rupay Select Debit Card
OTT: Amazon Prime Full Edition costs 1499.
Fair Price: 1200 x 1 = 1200
Spa: 1500 Lakme Saloon Voucher per Quater total worth 6000.
Fair Price: 700 x 4 = 2800
Health Check-Up: The tests mentioned in the package with offers costs 1050 per quarter, so the total cost of 4200.
Fair Price: 700 x 4 = 2800
Gym Access: 1 Month Elite Pass Subscription at discounted prices worth 1500. Total 6000
Fair Price: 800 x 4 = 3200
Cab Services: 100 OLA/Uber Voucher, Total 400
Fair Price: 75 x 4 = 300
(Excluding golf benefits as most people won't use that one.)
Total Benefits: 18,000
Actual Benefits: 10,300
Annual Fees: 500 + GST = 590 (for most of banks 1000+GST = 1180)
Interest loss (compared with FD) due to maintenance of 20,000 balance = 20,000 x 3.5 = 700
So, Net Cost = 1300
Net Benefits = (10,300 ā 1,300) = 9,000 (Approx.)
Using all benefits every time/ quarter may not be required/ feasible.
Hence, I think Final benefits would be about 50% of net benefits i.e., 4500.
Last edited:
Card is FYF with Super account (20k maintenance) but,
No need to maintain 20k for whole year. 2 quarter is enough, downgrade post that.
Both debit cards even available with 1/2K maintenance account also (Advantage)
It's upto you.
kuchbhi
TF Ace
isliye bhaiya mai to kaha karu gender change karo aur cent queen bano
king banne ke din gaye
Haha š but BOB really have some good range of DC's with reasonable fees
TUSHAR.
TF Select
Yes, for super savings account all cards are FYF
bharathnalla
TF Select
How to get two cards with Advantage especially RSDC?
Apply thru BOB World app
TUSHAR.
TF Select
You don't get option to apply rupay select in advantage account
bharathnalla
TF Select
I got emt with advantage account, how to get RSDC?
will need to upgrade the account, or try from branch. RSDC on advantage account is not possible through app/website
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