Changed Bank of Baroda savings account variant from Advantage Savings Account to Super Savings Account

[sahil1033]

I funded my Bank of Baroda Advantage Savings Account so that balance is above Rs. 20k and went to the bank, got the savings account variant changed to Super Savings Account.

Now, as usual, my thumb rule is, I'm more knowledgeable than the people sitting at the bank. I knew and even showed them on the website that QAB requirement is Rs. 20k for Super Savings Account but 2 ladies (bank employee) kept telling me, it's Rs. 50k. I told them to go ahead and change the account variant since I have proof from the website that the QAB is Rs. 20k and I'll keep a screenshot of the same if and when I'm being charged for non maintenance of QAB. After this transition was successfully done, the lady again told me that it's showing as Rs. 50k and after a few minutes I got to know that the 50k limit is for auto sweep in and sweep out. I asked them to turn this auto sweep in and sweep out OFF to which the lady said, why did you change to this account then? That's the main feature of this account and can't be done. I could've given a big lecture on it but since I didn't have much time and I had gone to the bank during office hours, I came back home.

Now, my queries are :

- Is the QAB 20k or 50k for this account? I'm pretty sure it's 20k but still confirming.
- How can I disable this sweep in and sweep out? Can it be done via bob world app or internet banking?
- I had generated virtual RuPay Platinum debit card, that shall remain active, right?

Bank of Baroda geeks and people holding the same account, any help is appreciated.

 

[darshanbafna]

So did people get RuPay Select DC or not with BOB Super Savings account - it is not clear from 2 pages.

I have rupay select and visa sapphire both with super savings

 

[anonymuos]

I have rupay select and visa sapphire both with super savings

Both are FYF?

 

[pprakash11]

Both are FYF?

Can't confirm. BOB debits AMC post 2-3 months of card issuance

 

[vasanth_ece]

So, will this offer for free Amazon Prime Membership will be once per card or can we claim every year?. If once per card, we may cancel before the end of the year and upgrade it to Professional Savings Account, for getting one more year benefits?

 

[Chirag19]

requested yesterday via bob world app and it's showing in the app, checked right now

Do you get an option to apply for select card?
Right now I only get visa platinum and rupay classic option

 

[sahil1033]

Do you get an option to apply for select card?
Right now I only get visa platinum and rupay classic option

yes, if your account variant is eligible, RuPay Select debit card will show at the time of applying ... which account variant you have?

 

[Chirag19]

yes, if your account variant is eligible, RuPay Select debit card will show at the time of applying ... which account variant you have?

Super saver account. I am only able to apply rupay classic online

 

[sahil1033]

Super saver account. I am only able to apply rupay classic online

Could be a very recent change I guess but I can clearly see following 2 options available for me while applying for physical debit card :
- Visa Platinum
- RuPay BPCL NCMC (RuPay Platinum)

So, I'm guessing your account variant is different, can you please confirm the same from this screen in bob World app?

 

[Chirag19]

Could be a very recent change I guess but I can clearly see following 2 options available for me while applying for physical debit card :
- Visa Platinum
- RuPay BPCL NCMC (RuPay Platinum)

So, I'm guessing your account variant is different, can you please confirm the same from this screen in bob World app?

View attachment 33326

Yes. I can see both options. Rupay select is not there in the drop-down menu.
My account is super saving

 

[pprakash11]

Yes. I can see both options. Rupay select is not there in the drop-down menu.
My account is super saving

BOB understood
Party is over i guess

 

[DarthYoda]

BOB understood
Party is over i guess

How to apply for rupay select then, bro?
via branch during account opening ??

 

[pprakash11]

How to apply for rupay select then, bro?
via branch during account opening ??

Yes apply from branch

 

[sahil1033]

Yes. I can see both options. Rupay select is not there in the drop-down menu.
My account is super saving

Then it could be temporary thing because of ongoing bob World app drama or it could be that RuPay Select won't be available for Super Savings A/C now.

Try upgrading to Professional Savings A/C then, 25k MAB and all you need is your college degree (I think they won't even check your degree).

Or, open PNB Elite Savings A/C if you can, 50k MAB and LTF RuPay Select debit card.

 

[vasanth_ece]

Quick query, is the Rupay select benefits available every year for same card?. If so, renewal benefits will be card expiring month or 1 year from the date when we redeemed the rewards?

 

[Chirag19]

Then it could be temporary thing because of ongoing bob World app drama or it could be that RuPay Select won't be available for Super Savings A/C now.

Try upgrading to Professional Savings A/C then, 25k MAB and all you need is your college degree (I think they won't even check your degree).

Or, open PNB Elite Savings A/C if you can, 50k MAB and LTF RuPay Select debit card.

I had professional saving ac. In that account i didn't even able to apply for single card than i converted it to super saving.

 

[BatmanDad]

How to apply for rupay select then, bro?
via branch during account opening ??

I've recently converted my account to super savings and have applied for rupay select debit card. Waiting for it to arrive, but we can definately apply for it through the app.

Then it could be temporary thing because of ongoing bob World app drama or it could be that RuPay Select won't be available for Super Savings A/C now.

Try upgrading to Professional Savings A/C then, 25k MAB and all you need is your college degree (I think they won't even check your degree).

Or, open PNB Elite Savings A/C if you can, 50k MAB and LTF RuPay Select debit card.

Also had a question. On the website it says that super saver has AQB of 20k, but the bank people say it's 50k. So wanted to know from people what have they seen about it so far?

 

[DarthYoda]

I've recently converted my account to super savings and have applied for rupay select debit card. Waiting for it to arrive, but we can definately apply for it through the app.


Also had a question. On the website it says that super saver has AQB of 20k, but the bank people say it's 50k. So wanted to know from people what have they seen about it so far?

Bcz i opened my account after the BoB's security breach, so can't use application for the time being that's why applied through branch.
Yes, its 20k as per my branch and you can just mail cc and save a copy of mail for your peace of mind.

 

[sahil1033]

Also had a question. On the website it says that super saver has AQB of 20k, but the bank people say it's 50k. So wanted to know from people what have they seen about it so far?

People at the bank are illiterates. For Super Savings A/C, Rs. 50k is the threshold amount for sweep in and sweep out. So, if you keep amount above Rs. 50k, the excess amount's FD will be created and likewise if amount goes below Rs. 50k, FD will be broken (I've explained in short, check MITC of Super Savings A/C for details).

I too was told the same thing. Checked thoroughly and found that this is the scenario. Although I would like to switch this option OFF but it seems like it's a product feature and can't be turned OFF as per bank employees. If you find a way, let me know. Anyway, I'm not keeping more than Rs. 20k - Rs. 21k in this account, so, Rs. 50k is far-fetched.

 

[hariselio]

I had professional saving ac. In that account i didn't even able to apply for single card than i converted it to super saving.

Ha, same thing happening to my account. Recently converted to professional account, after this not able to apply any debit card. 🙁

Did you get Rupay Select DC from professional account?

 

[Chirag19]

Ha, same thing happening to my account. Recently converted to professional account, after this not able to apply any debit card. 🙁

Did you get Rupay Select DC from professional account?

Yes. Rupay select from professional account. Applied via branch