Offer Fulfilled! How I Got My RuPay Select Wellness Debit Card the Cheapest Way Possible

[saurzx]

Dont advantage accounts get the option to go for rupay select? I cant seem to be able to find it

Surprisingly, BOB Advantage accounts shows Visa Signature Sapphire Male/Female (Rs.750) and Visa Infinite Opulence (Rs. 9500) Debit cards, but mere Rs. 500 RSDC is not available.

 

[theflash]

Surprisingly, BOB Advantage accounts shows Visa Signature Sapphire Male/Female (Rs.750) and Visa Infinite Opulence (Rs. 9500) Debit cards

You can't apply those until you have QAB of 10k/10L maintained.

 

[Channakya]

I recently decided to get the RuPay Select Wellness Debit Card, while keeping my costs (MAB+Issuance+Annual Fee) to a minimum. After some research, I found that Bank of Baroda offers this card at the lowest Annual Fee of ₹590 with no issuance fee (better than JSFB). Here’s my journey and the rollercoaster ride it took me on!

20/08/2024: The Branch Visit

I went to a Bank of Baroda branch and requested to open a normal savings account with zero or ₹1000/₹2000 MAB, but I emphasized that I must get the RuPay Select Debit Card with it. The branch executive wasn’t fully aware of the account variants that qualified for this card. She didn’t deny my request but wasn’t certain either, promising to open the account and attempt to request the card.

I filled out the paper form, attached copies of my Aadhaar and PAN, and provided a photo. The server was down (as is often the case with PSBs), so she took my number and promised to inform me when the account was opened. I reminded her again: No RuPay Select Card, no account. Later at 4:00 PM, she called me for two OTPs to confirm the account opening. I reminded her about the card, and she assured me that if I didn’t want the account later, I could close it within 14 days without any charges.

21/08/2024: Waiting for the Card

She informed me that she couldn’t apply for the RuPay Select Debit Card immediately but would raise an internal request. I received no further updates that day.

22/08/2024: Another Visit to the Bank

I went back to the bank. The same executive told me that a senior staff member was now handling my debit card request. After exchanging numbers with the senior lady, I was asked to wait. In the late afternoon, she called me to confirm that my account had been opened and the debit card request was processed. However, she informed me that the RuPay Select Card is only applicable to accounts with a ₹50,000 MAB.

The account opened for me was a BOB Super Saving Account (though the MAB was actually ₹20,000, with a sweep-in threshold of ₹50,000). I didn’t want this type of account, so I was advised to visit the branch and fill out a closure form to close it without any charges.

23/08/2024: No Bank Visit

I didn’t visit the bank that day.

24/08/2024 - 26/08/2024: Holidays

Although the 24th was a bank holiday, I received an SMS saying my debit card had been dispatched.

27/08/2024: Card Delivered

My RuPay Select Debit Card was delivered! I logged in to the RuPay website and saw all the benefits: OTT subscriptions, spa and gym offers, health check-ups, golf sessions, and cab vouchers. However, I hadn’t made any transactions or activated the card yet.

28/08/2024: Account Downgrade Request

I visited the branch and asked her to downgrade my account to the BOB Advantage Savings Account. She said she had already tried downgrading it to a BOB Lite Account (a zero-balance account), but it didn’t go through. She asked me to fill out a scheme change form for the Advantage Savings Account and warned that my RuPay Select Debit Card might be deactivated during the process. I clearly asked her if she would intentionally deactivate it, she assured me she won’t, but the system could do that. I gave my consent to proceed.

29/08/2024: Downgrade Success, Card Problems Begin

In the evening, I checked the BOB World app, and my account had been successfully downgraded to a BOB Advantage Savings Account. I deposited ₹2500 and tried to redeem one of the RuPay offers. To my surprise, the transaction failed—my card wasn’t even reaching the OTP page. Even payments on other sites failed, although UPI was working. This led me to believe my debit card had been deactivated, though it didn’t show as blocked in the app.

30/08/2024: A Last-Minute Save

To confirm my suspicion, I went to the nearest BOB ATM and attempted to withdraw cash. Sure enough, the transaction was declined—both for withdrawal and balance check. I resigned myself to the fact that my card had been deactivated and planned to close the account.

So, I went to the branch to close my account. But, just before heading inside the branch, I tried one last time at the BOB ATM adjacent to the bank—and surprise, surprise! It worked! I successfully withdrew money. Immediately after, I redeemed my Amazon Prime Video offer on the RuPay website, and it worked perfectly!

It was a bumpy ride, but in the end, I managed to secure my RuPay Select Wellness Debit Card while keeping my costs low (₹2000 MAB+₹590 annual fee).

Which tier is your city or it’s rural ?
When I asked for rupay, select debit card they have said that it’s only for the rural areas.

 

[Harsha896]

You can't apply those until you have QAB of 1L/10L maintained.

Wrong. Only 10k qab is required to apply for sapphire atleast I did it like that only. Don't know the requirement for opulence as I didn't try but it shows for me but I am expecting something similar for opulence too but not as high as 10L

 

[skbgp]

Which tier is your city or it’s rural ?
When I asked for rupay, select debit card they have said that it’s only for the rural areas.

Wrong information provided by your branch.

 

[saurzx]

Which tier is your city or it’s rural ?
When I asked for rupay, select debit card they have said that it’s only for the rural areas.

Lucknow + 2 words

 

[saurzx]

Wrong. Only 10k qab is required to apply for sapphire atleast I did it like that only. Don't know the requirement for opulence as I didn't try but it shows for me but I am expecting something similar for opulence too but not as high as 10L

What if I maintain 10k QAB, get Sapphire and then don't maintain. I think it will work out same as the account downgrade for RSDC.

Also how many active debit cards one can have in BOB?

 

[Harsha896]

What if I maintain 10k QAB, get Sapphire and then don't maintain. I think it will work out same as the account downgrade for RSDC.

Also how many active debit cards one can have in BOB?

That's what I did, transferred huge amount so that I got qab of 10k within a week and took the card and moved out the money. Card is still working fine

 

[vine]

I got this BOB select wellness card for a relative of mine, she had a Womens advantage account (or similar name) with 1k MAB.
Applied thru BOB app and got it in a week.

 

[saurzx]

I got this BOB select wellness card for a relative of mine, she had a Womens advantage account (or similar name) with 1k MAB.
Applied thru BOB app and got it in a week.

For female there is a BOB Mahila Shakti Savings Account, but it mentioned FYF Rupay Platinum Debit card.
How she got a RSDC? Account opening online or through branch? Whether she applied at the time of account opening or applied after account opening through BOB world app?

 

[chadsterpiece]

I got this BOB select wellness card for a relative of mine, she had a Womens advantage account (or similar name) with 1k MAB.
Applied thru BOB app and got it in a week.

I dont get shi with my advantage acc while the same acc for women get to have the card. what in the sexism is this

 

[vine]

I dont get shi with my advantage acc while the same acc for women get to have the card. what in the sexism is this

For female there is a BOB Mahila Shakti Savings Account, but it mentioned FYF Rupay Platinum Debit card.
How she got a RSDC? Account opening online or through branch? Whether she applied at the time of account opening or applied after account opening through BOB world app?

Applied lot later in Bob world app, since the option to request DC was present. Its a paid DC. Its not FYF or LTF.
Nothing about sexism.

 

[saurzx]

I dont get shi with my advantage acc while the same acc for women get to have the card. what in the sexism is this

There might be some missing or incorrect information in that. The is no female advantage account as such and getting it through advantage account is not possible just based on the gender. My mother has the same advantage account since ages and maintained a decent QAB. I checked her app, but there was no RSDC shown.

There is a Mahila Shakti account, officially that too don't provide RSDC but I don't have any hands-on experience with that. So can't confirm.
@vine clear the doubts please.

 

[saurzx]

Applied lot later in Bob world app, since the option to request DC was present. Its a paid DC. Its not FYF or LTF.
Nothing about sexism.

Can you share or confirm the account variant like attached image?

 

[vine]

There might be some missing or incorrect information in that. The is no female advantage account as such and getting it through advantage account is not possible just based on the gender. My mother has the same advantage account since ages and maintained a decent QAB. I checked her app, but there was no RSDC shown.

There is a Mahila Shakti account, officially that too don't provide RSDC but I don't have any hands-on experience with that. So can't confirm.
@vine clear the doubts please.

Am not customer of BOB.
The account type I remember is 'Women's Advantage savings account' and came with Rupay Platinum DC.
Account is 3-4 years old taken in a tier-3 city. I dont remember the exact MAB, its either 1k or 2k. She rarely uses this account with 4k-5k balance.
I had used their BOB world app and I requested for a new Select DC. I didn't see any FYF/LTF status, so I assumed its paid, i.e. 590. I may have put some screenshots in some thread here.
Then she got the Prime voucher and used it.
So, their World app showed both DC, not sure if account is charged for both DC or how it will be charged in future.

 

[vine]

Sorry,this is all I could find.

 

[saurzx]

View attachment 69220

Sorry,this is all I could find.

Dont you remember when you applied for this debit card? Was it 1-2 years back?

 

[vine]

Dont you remember when you applied for this debit card? Was it 1-2 years back?

I never worried about the account name/type. This was two months ago.
In hindsight, if the RSDC option was not available, then I would have checked the account name/type and tried to convert it.
I remember it's called 'Women's Advantage' account, because someone in this forum said you get Select DC only with Bob Advantage (or something Advantage) account.
I saw the Select DC option was available in app in their phone.
Then I again asked in forum here , if this is the right DC and took it.

 

[saurzx]

I remember it's called 'Women's Advantage' account, because someone in this forum said you get Select DC only with Bob Advantage (or something Advantage) account.

This statement creates a doubt. I don't think anyone in TF community would have said Select DC ONLY with Bob Advantage account. I have searched a lot regarding RSDC in this forum. This statement has been said for SUPER SAVING account in numerous posts.
Though you are quite clear in stating Advantage account, but by any chance do you have mistakes with ADVANTAGE instead SUPER?

 

[vine]

This statement creates a doubt. I don't think anyone in TF community would have said Select DC ONLY with Bob Advantage account. I have searched a lot regarding RSDC in this forum. This statement has been said for SUPER SAVING account in numerous posts.
Though you are quite clear in stating Advantage account, but by any chance do you have mistakes with ADVANTAGE instead SUPER?

Like I said, I never bothered about BOB or its savings account types. So please don't quote me on that. Definitely wasn't 'super savings' account.
Now that you mention, another one mentioned in some threads was, I think called Professional account. All these accounts had higher MAB from what I remember.
..
But, that one was called 'Women's Advantage account' with 1k/2k MAB & opened around 4 years ago.