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

The offer has been fulfilled by the bank/company.
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vine said:
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.
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@Abhishek012 kindly enlighten us.🔦🔦🔦
 
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Any information on the forex markup on baroda rupay select wellness dc? Cannot find anything on their website. Also international ATM cash withdrawal charges?
 
I upgraded my BOB account to Super saving and chose the Rupay Select Debit Card option in the banking app. I applied for it, but I haven't received any SMS confirmation, and it's not showing under my cards.

The only indication of my application is a recent transaction showing that I applied for the debit card, along with a reference number.

Can Anyone confirm whether my application was successful? I already have a Visa debit card linked to my account.
 
NamanGupta said:
I upgraded my BOB account to Super saving and chose the Rupay Select Debit Card option in the banking app. I applied for it, but I haven't received any SMS confirmation, and it's not showing under my cards.

The only indication of my application is a recent transaction showing that I applied for the debit card, along with a reference number.

Can Anyone confirm whether my application was successful? I already have a Visa debit card linked to my account.
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@NamanGupta : were you charged the joining fee? Also, was it your first DC or second?
 
One thing to note, Professional account does not allow apply physical debit card online. You need to do that via branch. While Super savings account allow online apply.
 
saurzx said:
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).

***Update 28/09/2024***
Debit Card will not be FYF with this route. Charged 590/- today.
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you could have gone to a PNB brach and applied for PNB Rupay Select Credit Card. Joining fee 500/-, use it at least once every quarter for annual fee waiver. I know there are chances of not being approved but you can still try and might get it. In case you get it, you can close Bob select debit card and save 600 annually, you will get free platinum dc with your bob lite account. PNB rupay select cc has all that benefits as rupay select dc. Further, you can get amazon and swiggy offers with rupay platinum dc.
 
adhyanrules said:
you could have gone to a PNB brach and applied for PNB Rupay Select Credit Card. Joining fee 500/-, use it at least once every quarter for annual fee waiver. I know there are chances of not being approved but you can still try and might get it. In case you get it, you can close Bob select debit card and save 600 annually, you will get free platinum dc with your bob lite account. PNB rupay select cc has all that benefits as rupay select dc. Further, you can get amazon and swiggy offers with rupay platinum dc.
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I already hold PNB Rupay Select Credit Card. PNB rupay Select has only Spa, Health, Gym and Golf benefits while Rupay Select Debit Card has OTT (Amazon Prime/Zee5/Sony liv) and Cab (Ola/Uber) benefits along with SPA, Health, Gym and Golf. So the benefits are not same. And Rs. 600 annual fee is completely recovered with any OTT, specially Amazon Prime. So getting a Rupay Select Debit Card is much beneficial than a PNB Select Credit Card.
 
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So I am going to open super savings account Tommorow.
Which card should I apply first emt or rupay select?

Some people say that if you get one then you can't get other as they have same codes, please help
 
Sumedh03 said:
So I am going to open super savings account Tommorow.
Which card should I apply first emt or rupay select?

Some people say that if you get one then you can't get other as they have same codes, please help
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You can apply and hold both EMT and Select Debit card. I am holding the both in Advantage account.
 
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