Currently, I hold 6 BOB DCs, so for me Super Savings Account is most beneficial. As I am saving 2537 of DC charges for the first year.Then 1st option is better i think. Need only EMT card. Loosing 700 is better than visiting branches for downgrades. Who knows they might tell you to visit next day saying server problem
DC: Rupay Platinum (300) + Visa Male Sapphire (750) + Rupay Select Wellness (500) + EMT (600) + 18% GST on all 4 = 2537 + 2 LTF VDC