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Query on Canara Bank Rupay Select Debit Card

Forget the card expiry, it has nothing to do with rupay select benefits.

Benefits which are annually e.g OTT are renewed each yr on 1st Jan and quarterly benefits are renewed each 1st Jan, 1st Apr, 1st July and 1st Oct.

If you lapse to redeem any benefit, it won't be carried forward.
Does SPA, GYM, CAB, Health checkup come under quarterly or annual?
 
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