Got the cost recovered from the rewards received from account opening and also making some other transactions. Moreover, I wanted an account where I can mark spends and cash withdrawals and track them properly. Jupiter is giving that flexibility. Only rewards on UPI spends are restricted, not debit card spends. And for the VISA signature debit card with such high transaction limit and BMS Visa BOGO offers, I feel that one time charge of Rs.235/- was worth it as it is already being recovered.