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Need help in Cancelling some Debit Cards

rajcasio

TF Premier
I have 4 ACTIVE Savings bank accounts

SBI
BANK OF BARODA
CANARA
KOTAK

I don't use(past couple of year) CANARA & KOTAK DC
Can i cancel these 2 DEBIT cards to save ANNUAL FEES?
Is Virtual Card sufficient?
Will UPI work seamlessly without these Debit Cards?
 
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