Digital account, Zero balance with UPI account

[bengaltiger]

Hello ,

One of my friend will be back India.
He doesn't have any account with UPI.

So he wants to open an account digitally and want to avail UPI.

Please suggest.
Also without much calls from Banker or agent

UPDATE:
kotak 811, AU , fed selfie looking good for new online ZERO balance account.

 

[insight]

I don't have bsdba account in yes bank..
Op is asking for rupay platinum dc, so i told him about yes bank..

Yes bank bsbda account give free rupay platinum dc..

Finally got a hold of the Branch person.

Apparently the account code has to be requested by the branch to be available and get activated on their PCs. i.e. Not all products are activated on all branch systems. Seems plausible as they had all the

So, they've sent that request and it was to come back, quite a few times. Still not so. Awaiting.

 

[insight]

for you .

Thanks. Saved it. Was the link dead / you had a copy saved? Or just my browser acting up?

 

[insight]

Quoting from the PDF-
# RuPay Domestic Platinum CHIP Debit Card is free for Senior
Citizens/BSBDA/Salary Account holders.

@imdjay -
@AritraSaha -

PS: Is this the card or the above is another variant?

Would this qualify as/ for RuPay Platinum ? for AMZN 20% offer?

Yes Bank PMJDY Rupay Chip Debit Card
Access your savings conveniently for your basic banking needs with YES BANK PMJDY..

https://www.yesbank.in/personal-banking/yes-individual/cards/debit-card/yes-bank-pmjdy-rupay-chip-debit-card

 

[AritraSaha]

@imdjay -
@AritraSaha -

PS: Is this the card or the above is another variant?

Would this qualify as/ for RuPay Platinum ? for AMZN 20% offer?

Yes Bank PMJDY Rupay Chip Debit Card
Access your savings conveniently for your basic banking needs with YES BANK PMJDY..

https://www.yesbank.in/personal-banking/yes-individual/cards/debit-card/yes-bank-pmjdy-rupay-chip-debit-card

Have to be rupay platinum.
Abhishek sir can confirm.

@Abhishak012

 

[insight]

@Abhishek012 ^ ^ ^

 

[Abhishek012]

@imdjay -
@AritraSaha -

PS: Is this the card or the above is another variant?

Would this qualify as/ for RuPay Platinum ? for AMZN 20% offer?

Yes Bank PMJDY Rupay Chip Debit Card
Access your savings conveniently for your basic banking needs with YES BANK PMJDY..

https://www.yesbank.in/personal-banking/yes-individual/cards/debit-card/yes-bank-pmjdy-rupay-chip-debit-card

YES BANK PMJDY RuPay Chip Debit Card is poor people's card.

You will get Yes bank RuPay Platinum debit card - Prosperity account, Yes First account, Zero balance account BSBDA, Senior Citizens & Salary Account holders (or many some other accounts too).

Old Card pic here -



New Card pic here -

@AritraSaha
@imdjay

 

[imdjay]

YES BANK PMJDY RuPay Chip Debit Card is poor people's card.

You will get Yes bank RuPay Platinum debit card - Prosperity account, Yes First account, Zero balance account BSBDA, Senior Citizens & Salary Account holders (or many some other accounts too).

Old Card pic here -

View attachment 39450

New Card pic here -

@AritraSaha
@imdjay

As per my understanding, all Pradhan mantri jandhan yojna card has PMJDY or its logo on it.
All PMJDY account holders get this card by default.


Kind of like this

 

[Abhishek012]

As per my understanding, all Pradhan mantri jandhan yojna account card has PMJY or its logo on it.


Kind of like this

View attachment 39452

Ya but Yes bank and HDFC bank will also issue you RuPay Platinum debit card. If you ask from your bank branch.

by default you will get Pradhan mantri jandhan yojna card on PMJY account.

Do you have latest PDF file for yes bank debit card fees ?

This is 3 years old pdf file -

https://www.yesbank.in/pdf?name=debit_card_schedule_of_charges_december_2020_14_pdf.pdf

 

[imdjay]

Do you have latest PDF file for yes bank debit card fees ?

looks like they have merged the Debit card SOC with account SOC.

https://www.yesbank.in/pdf?name=savings_account_combined_wef_1st_april_2023_pdf.pdf

 

[insight]

Ya but Yes bank and HDFC bank will also issue you RuPay Platinum debit card. If you ask from your bank branch.

What would that entail? Is there an updated cost or is it still Free for BSBDA? @Abhishek012

by default you will get Pradhan mantri jandhan yojna card on PMJY account.

Exactly what I am wondering.

Do you have latest PDF file for yes bank debit card fees ?

This is 3 years old pdf file -

https://www.yesbank.in/pdf?name=debit_card_schedule_of_charges_december_2020_14_pdf.pdf

I have only what more seasoned members here have shared.

looks like they have merged the Debit card SOC with account SOC.

SOC? Meaning?

https://www.yesbank.in/pdf?name=savings_account_combined_wef_1st_april_2023_pdf.pdf

I cant open or download this, is the link correct?
@imdjay

 

[imdjay]

What would that entail? Is there an updated cost or is it still Free for BSBDA? @Abhishek012

Exactly what I am wondering.

I have only what more seasoned members here have shared.


SOC? Meaning?

I cant open or download this, is the link correct?
@imdjay

Y E S

 

[Abhishek012]

What would that entail? Is there an updated cost or is it still Free for BSBDA? @Abhishek012

RuPay Platinum DC is chargeable card.

 

[insight]

RuPay Platinum DC is chargeable card.

$ ? We were told it was NOT. But from 2020 Doc. ?

@AritraSaha ^ When did you/ your mom get it?

@Abhishek012 -How much is it and which one? As from the PDF I cant map to which one is what.

Element Debit Card: Rs. 299
Engage Debit Card: Rs. 399
Explore Debit Card: Rs. 599
Rupay Debit Card (Only for Kisan account):
Rs. 149
Element Debit Card: Rs. 299
(Only Provided on request received through YES Online)

 

[insight]

Y E S

Thanks for attach. Why is my browser going wonky on these links?

looks like they have merged the Debit card SOC with account SOC.

https://www.yesbank.in/pdf?name=savings_account_combined_wef_1st_april_2023_pdf.pdf

What is SOC? What does this mean?

 

[AritraSaha]

Thanks for attach. Why is my browser going wonky on these links?

What is SOC? What does this mean?

Its a list of charges & what charges you have to pay for availing any service.

If it mentions 0, you don't have to pay.

 

[AritraSaha]

$ ? We were told it was NOT. But from 2020 Doc. ?

@AritraSaha ^ When did you/ your mom get it?

@Abhishek012 -How much is it and which one? As from the PDF I cant map to which one is what.

Element Debit Card: Rs. 299
Engage Debit Card: Rs. 399
Explore Debit Card: Rs. 599
Rupay Debit Card (Only for Kisan account):
Rs. 149
Element Debit Card: Rs. 299
(Only Provided on request received through YES Online)

I don't have rupay platinum dc from yes bank.

 

[AritraSaha]

$ ? We were told it was NOT. But from 2020 Doc. ?

@AritraSaha ^ When did you/ your mom get it?

@Abhishek012 -How much is it and which one? As from the PDF I cant map to which one is what.

Element Debit Card: Rs. 299
Engage Debit Card: Rs. 399
Explore Debit Card: Rs. 599
Rupay Debit Card (Only for Kisan account):
Rs. 149
Element Debit Card: Rs. 299
(Only Provided on request received through YES Online)

This is the list-

https://www.yesbank.in/pdf?name=debit_card_schedule_of_charges_december_2020_14_pdf.pdf

 

[insight]

YES BANK PMJDY RuPay Chip Debit Card is poor people's card.

You will get Yes bank RuPay Platinum debit card - Prosperity account, Yes First account, Zero balance account BSBDA, Senior Citizens & Salary Account holders (or many some other accounts too).

Old Card pic here -

New Card pic here -

@AritraSaha
@imdjay

Is BSBDA A/C = Same as PM DJY A/C - for Yes Bank/ All other Banks or are those 2 separate things?

And the Updated 2023 file does not say anything about BSBDA mapping to which Debit Card? While 2020 PDF does.

@Abhishek012

This is the list-

https://www.yesbank.in/pdf?name=debit_card_schedule_of_charges_december_2020_14_pdf.pdf

Yes, this was from 2020. Question is if its been over written or over ridden by any new policy / document?

RuPay Platinum DC is chargeable card.

For the BSBDA? or not - Based on what info? how much?
the 2020 pdf maps bsbda to free RuPay. 2023 pdf no mention of bsbda

I thought 2023 one you suggested would have info and @imdjay linked / attached doesnt say anything about BSBDA mapped card.

looks like they have merged the Debit card SOC with account SOC.

https://www.yesbank.in/pdf?name=savings_account_combined_wef_1st_april_2023_pdf.pdf

This new 2023 PDF does not mention BSBDA account and mapping to card at all?
Unless I missed reading something?

 

[hellobois]

$ ? We were told it was NOT. But from 2020 Doc. ?

@AritraSaha ^ When did you/ your mom get it?

@Abhishek012 -How much is it and which one? As from the PDF I cant map to which one is what.

Element Debit Card: Rs. 299
Engage Debit Card: Rs. 399
Explore Debit Card: Rs. 599
Rupay Debit Card (Only for Kisan account):
Rs. 149
Element Debit Card: Rs. 299
(Only Provided on request received through YES Online)

I have rupay platinum debit card from Ujjivan bank, account is Zero balance+ DC charges waived off with some investment criteria. I have started 10000 monthly RD for 15 months and the card is free for 15 months. I get 8% rate which is highest in the segment+ 100 monthly from Amazon bill pay via rupay plat DC. So it's a win win for me as I had to shift from equity to debt considering the overbought market conditions.
P.S. - Ujjivan bank services are better than the other SFBs so no issues so far. Using it for more than 1.5 years now.

 

[insight]

@Abhishek012 - There's lot of conflicting info. Please clarify on my last reply.