RuPay Select Debit Card Benefits | Free OTT | Spa | Health Checkup | Rupay Select Debit Card Issuing Bank & Charges

If you are a RuPay Select debit card user, you can enjoy some amazing benefits just by registering on rupay select portal.
Make sure you have eligable RuPay select debit card. There are many banks that offer RuPay Select debit cards which are eligible for those wellness benefits.
Let's talk about benefits first, and then I'll tell you from which bank you can get a RuPay Select debit card.
Portal Link - https://www.rupay.co.in/select-booking

Benefits


1. Spa Services (Quarterly)
Indulge in Spa Therapies at Luxury Spa Centres
The RuPay Select Card gives you access to the best & authentic spa chains across India
From relaxing spa massages to traditional massages, select the perfect session that suits your mood

Complimentary Offers -

1. Four Fountains De-Stress Spa - 60 Minutes Swedish Body Massage
2. AromaThai Day Spa - 60 Min Traditional Thai Body Dry Massage
3. Kairali Ayurvedic Centre - 50 Min Abhyangam 2 Hand Massage
4. O2 Spa - Spa Treatment Coupon
5. Lakme Salon - Beauty Care Services E-Gift Card
6. HR Wellness Spa - Swedish Massage - 60 Min

Only one complimentary benefit from the above is redeemable per person per calendar year.


2. Health Check Up (Quarterly)
Get a comprehensive Health Checkup.
Get tested from the comfort of your home or Visit a Wellness Centre with advance equipment.

Complimentary Offers -

1. Thyrocare - Aarogyam Basic 2 Package - 79 Tests
   Included test - COMPLETE URINE ANALYSIS, DIABETES, COMPLETE HEMOGRAM, IRON DEFICIENCY, RENAL, LIPID, LIVER, THYROID
2. SRL Diagnostics - Healthcare Test Package -
   Included test - CBC ESR, GLYCO Hb (HBA1c), FBS, PPBS, Serum Uric Acid

Only one complimentary benefit from the above is redeemable per person per calendar year.

Only one complimentary benefit from the above is redeemable per person per calendar year.


3. Gym Access (Quarterly)
Avail Gym membership at special rates
Get access to the best Gym chains across India

Complimentary Offers -
Cult.fit - 3 Month Cure.Fit Live Subscription
Cult.fit - 1 Month Elite Pass Subscription

Only one complimentary benefit from the above is redeemable per person per calendar year.


4. Golf Program (Quarterly)

Play Golf at the best quality golf courses in India.
Book your tee times in advance from RuPay website/RuPay Select Concierge.

Complimentary Offers -
Golf Course - The offer is inclusive of Green Fee only.
Golf Lessons - The offer is inclusive of Pro Charges and required equipment for the duration of the lesson.


5. OTT Benefits (Annual, Calendar Year)

Enjoy entertainment content on your personal devices
The RuPay Select Card gives you access to the best OTT platforms

Complimentary Offers -
1. Sony Liv Premium (12 Months) Subscription
2. Prime Video - 12 Month Annual Subscription
3. Hotstar / Zee5 - 1 Year Premium Subscription

Only one complimentary benefit from the above is redeemable per person per calendar year.


6. OLA/UBER Voucher (Quarterly)
Ola & Uber coupons for your convenience from RuPay Select.

Complimentary Offers -
1. Ola - Instant Gift Card - INR 100
2. Uber - Redeemable Coupon - INR 100

Only one complimentary benefit from the above is redeemable per person per calendar year.


How To Book Above Service (Health Checkup/Spa/Gym Membership/Golf)?

1. Select the service you wants to avail.
2. Click on Redeem & pay Rs. 1 for card authentication.
3. You will receive a confirmation email with the coupon code.
4. To redeem the service, call the RuPay Support Team +91-4041891419 in advance, book an appointment and provide them with the coupon code.
5. The coupon code is valid for a period of 30 days from issue date for the stated service only.

RuPay Select Debit Card Issuing Bank With Charges:

You can get a Rupay select debit card from one of those banks:

Bank Name	Charges
Bank of Maharashtra
Bank Of India	Annual Fees Rs. 800 + GST
UCO Bank	Issuance Fees - Rs. 1000 + GST; Renewal Fees - Rs. 900 + GST
Canara Bank	Annual Fees Rs. 1000 + GST
Central Bank Of India	Issuance Fees - Rs. 950 + GST; Renewal Fees - Rs. 950 + GST
City Union Bank
Indian Bank	Issuance Fees - Rs. 1000 + GST; Renewal Fees - Rs. 1000 + GST
Punjab National Bank	Issuance Fees - Rs. 500 + GST; Renewal Fees - Rs. 750 + GST
Jana Small Finance Bank	Issuance Fees - Rs. 499 + GST; Renewal Fees - Rs. 499 + GST
Indian Overseas Bank	Issuance Fees - Rs. 800 + GST; Renewal Fees - Rs. 800 + GST
Union Bank Of India	Annual Fees - Rs. 400 + GST
Tamilnad Mercantile Bank	Issuance Fees - Rs. 1000 + GST; Renewal Fees - Rs. 1000 + GST
Bank of Baroda	Issuance Fees - Rs. 500 + GST; Renewal Fees - Rs. 500 + GST

Few banks from above list may offer Rupay select debit card at zero annual fees or discounted annual fees with higher variant bank account.

Addl. Reference & Updates: (Possible upcoming changes)

https://www.npci.org.in/PDF/npci/rupay/2025/RuPay-OC030-FY-24-25-RuPay-Debit-Select-Card-Program-w-e-f-1st-April-2025.pdf

 

[insight]

Applied through mobile app, it said no enrollment fee and mentioned only annual fee, so most probably it will be charged towards end of year. I dont know how one can avoid it as well.

Appreciate the clear response. So all App, no physical nothing etc.

 

[attri]

Can anyone confirm if we can avail all 3 OTTs (SonyLiv, Amazon Prime and Zee5) listed here or only one is allowed as mentioned in the post?

 

[attri]

Infact sonyLiv subscription can be bought with Flipkart supercoins.

IMO, one should look for account with minimum MAB requirement even if it comes with some AMC for Rupay Select DC.

Mostly HNI accounts (provided not an HNI salary based account without MAB requirements) comes with requirement of 50K to 100K MAB requirements and provide 3% interest rate.
if you keep same 50K or 100K in FD with 7% interest rate then you will lose out somewhere around 4K in yearly interest.
Lets say if you get Select DC with 5K MAB requirements with 500 to 1000 rupees AMC then it will be a better option instead of having HNI account without AMC but with MAB of 50K to 100K.

You need to have some liquid amount for emergency or for day today usage. That amount can be parked in such account and can be maintained quarterly. You are not supposed to invest emergency/daily usage fund to somewhere else.

 

[shashank08]

You need to have some liquid amount for emergency or for day today usage. That amount can be parked in such account and can be maintained quarterly. You are not supposed to invest emergency/daily usage fund to somewhere else.

For emergency fund.. I have kotak account with activ money (sweep facility).. which gives 7% on the amount over 25K. Activ money sweep FDs are created in the multiples of 10K.
If someone wants and is able to maintain AMB requirements then it is certainly benefit to opt for these kind of high MAB accounts but I dont have that use case.
So my overall idea was to maximize the return and that may or may not suitable for each and every individual.

 

[ronakshah]

For emergency fund.. I have kotak account with activ money (sweep facility).. which gives 7% on the amount over 25K. Activ money sweep FDs are created in the multiples of 10K.
If someone wants and is able to maintain AMB requirements then it is certainly benefit to opt for these kind of high MAB accounts but I dont have that use case.
So my overall idea was to maximize the return and that may or may not suitable for each and every individual.

I have surplus funds in hdfc so I will move it to Kotak. Can we activate this facility through mobile/net banking or need to visit branch?

 

[shashank08]

I have surplus funds in hdfc so I will move it to Kotak. Can we activate this facility through mobile/net banking or need to visit branch?

This can be activated using mobile or inet banking..but threshold changes with the account type or banking program.
If you are not the part of privy league program then threshold should be 25K or 10K.
So shift your surplus fund if you are not the part of their HNI program.

 

[ronakshah]

This can be activated using mobile or inet banking..but threshold changes with the account type or banking program.
If you are not the part of privy league program then threshold should be 25K or 10K.
So shift your surplus fund if you are not the part of their HNI program.

I'm part of their imperia banking programme but it's not worth it. Still will keep min bal to maintain hni relationship and move additional funds to Kotak.

 

[VicksJ]

Appreciate the clear response. So all App, no physical nothing etc.

Yes, card delivered today by speed post.

 

[VicksJ]

For emergency fund.. I have kotak account with activ money (sweep facility).. which gives 7% on the amount over 25K. Activ money sweep FDs are created in the multiples of 10K.
If someone wants and is able to maintain AMB requirements then it is certainly benefit to opt for these kind of high MAB accounts but I dont have that use case.
So my overall idea was to maximize the return and that may or may not suitable for each and every individual.

The only problem with these fd is in case it is liquidated then the interest rate valid for that period will be given plus the penalty mostly 0.5%. Where as in banks giving 7% you will still get 7% whether you keep for a day or year

 

[shashank08]

The only problem with these fd is in case it is liquidated then the interest rate valid for that period will be given plus the penalty mostly 0.5%. Where as in banks giving 7% you will still get 7% whether you keep for a day or year

Yes thats true.. and thats the reason sweep FDs are beneficial for the accounts which don't have lots of transactions.
For day to day accounts, sweep facility is not going to maximize the returns.

 

[insight]

Applied through mobile app, it said no enrollment fee and mentioned only annual fee, so most probably it will be charged towards end of year. I dont know how one can avoid it as well.

Yes, card delivered today by speed post.

How much time from App did it take for Virtual Card to appear in App/ Site?

 

[VicksJ]

How much time from App did it take for Virtual Card to appear in App/ Site?

3 days .

 

[Copycat]

Can you quote which one are free in your portfolio and what is the mab you are maintaning

Rupay Select is free with BOB Rise (10L TRV), Sparkle & Shine Tiers*. The best part is that the tiers are TRV based. And BOB offers 7.25% on FDs which is better than what is offered by some private banks (You misers, Axis & ICICI, I'm referring to you)

You also get a Visa Signature DC free with SBI Wealth (30L TRV), which I'm pretty sure can be swapped for a Rupay Select

I don't know which is the 3rd one

*
====================================================================

SPARKLE​

Eligibility​

A minimum Quarterly Average Balance of Rs. 20 lakh and above but below Rs. 30 lakh in Savings Account or Current Account or combined Current & Savings account (in the preceding quarter).

Benefits & Offerings​

1. Unlimited Free Cheque Book in Current & Saving Accounts
2. 75% concession in DD/PO charges
3. 75% concession in locker rent charges(-1- locker)
4. 100% concession in NEFT/RTGS through all channels
5. 100% concession in Demat AMC
6. Free RUPAY Select Debit Card
7. Facility of Relationship Manager (on selected location/ branches during business hours)

SHINE​

Eligibility​

A minimum Quarterly Average Balance Rs. 10 lakh and above but less than Rs. 20 lakh in Savings Account or Current Account or combined Current & Savings account(in the preceding quarter).

Benefits & Offerings​

1. Unlimited Free Cheque Book in Current & Saving Accounts
2. 50% concession in DD/PO charges
3. 50% concession in locker rent charges(-1- locker)
4. 50% concession in NEFT/RTGS through all channels
5. 50% concession in Demat AMC
6. Free RUPAY Select Debit Card

RISE​

Eligibility​

A minimum Quarterly Average Balance is less than Rs. 10 lakh in Savings account or Current Account or combined Current & Savings account BUT combined Quarterly Average balance of Fixed deposit and Current or Savings Account is more than Rs. 10 lakh (in the preceding quarter).

Benefits & Offerings​

1. Unlimited Free Cheque Book in Current & Saving Accounts
2. 25% concession in DD/PO charges
3. 25% concession in locker rent charges(-1- locker)
4. 25% concession in NEFT/RTGS through all channels
5. 25% concession in Demat AMC
6. Free RUPAY Select Debit Card

Other Terms and Conditions​

1. To be a SPARKLE customer, maintain a minimum Quarterly Average Balance of Rs. 20 lakh and above but below Rs. 30 lakh in Savings Account or Current Account or combined Current & Savings account (in the preceding quarter).
2. To be a SHINE customer, maintain a minimum Quarterly Average Balance Rs. 10 lakh and above but less than Rs. 20 lakh in Savings Account or Current Account or combined Current & Savings account(in the preceding quarter).
3. Balances are measured as a combined balance across the accounts linked to your customer id.
4. Quarterly Average Balance will be calculated on the basis of quarters ending March, June, October and December for assessing the category and hence benefits will be offered accordingly.
5. Bank, at its discretion, reserves the right to modify and/or discontinue any or all the listed benefits at any time without giving any notice.

====================================================================

​

 

[Rohith-2009]

Rupay Select is free with BOB Rise (10L TRV), Sparkle & Shine Tiers*. The best part is that the tiers are TRV based. And BOB offers 7.25% on FDs which is better than what is offered by some private banks (You misers, Axis & ICICI, I'm referring to you)

You also get a Visa Signature DC free with SBI Wealth (30L TRV), which I'm pretty sure can be swapped for a Rupay Select

I don't know which is the 3rd one

*
====================================================================

SPARKLE​

Eligibility​

A minimum Quarterly Average Balance of Rs. 20 lakh and above but below Rs. 30 lakh in Savings Account or Current Account or combined Current & Savings account (in the preceding quarter).

Benefits & Offerings​

1. Unlimited Free Cheque Book in Current & Saving Accounts
2. 75% concession in DD/PO charges
3. 75% concession in locker rent charges(-1- locker)
4. 100% concession in NEFT/RTGS through all channels
5. 100% concession in Demat AMC
6. Free RUPAY Select Debit Card
7. Facility of Relationship Manager (on selected location/ branches during business hours)

SHINE​

Eligibility​

A minimum Quarterly Average Balance Rs. 10 lakh and above but less than Rs. 20 lakh in Savings Account or Current Account or combined Current & Savings account(in the preceding quarter).

Benefits & Offerings​

1. Unlimited Free Cheque Book in Current & Saving Accounts
2. 50% concession in DD/PO charges
3. 50% concession in locker rent charges(-1- locker)
4. 50% concession in NEFT/RTGS through all channels
5. 50% concession in Demat AMC
6. Free RUPAY Select Debit Card

RISE​

Eligibility​

A minimum Quarterly Average Balance is less than Rs. 10 lakh in Savings account or Current Account or combined Current & Savings account BUT combined Quarterly Average balance of Fixed deposit and Current or Savings Account is more than Rs. 10 lakh (in the preceding quarter).

Benefits & Offerings​

1. Unlimited Free Cheque Book in Current & Saving Accounts
2. 25% concession in DD/PO charges
3. 25% concession in locker rent charges(-1- locker)
4. 25% concession in NEFT/RTGS through all channels
5. 25% concession in Demat AMC
6. Free RUPAY Select Debit Card

Other Terms and Conditions​

1. To be a SPARKLE customer, maintain a minimum Quarterly Average Balance of Rs. 20 lakh and above but below Rs. 30 lakh in Savings Account or Current Account or combined Current & Savings account (in the preceding quarter).
2. To be a SHINE customer, maintain a minimum Quarterly Average Balance Rs. 10 lakh and above but less than Rs. 20 lakh in Savings Account or Current Account or combined Current & Savings account(in the preceding quarter).
3. Balances are measured as a combined balance across the accounts linked to your customer id.
4. Quarterly Average Balance will be calculated on the basis of quarters ending March, June, October and December for assessing the category and hence benefits will be offered accordingly.
5. Bank, at its discretion, reserves the right to modify and/or discontinue any or all the listed benefits at any time without giving any notice.

====================================================================

​

Oh god. I got Visa signature physical and Rupay select virtual debit cards so easily with my union bank USSA 2 salary account.

My company is not tied up with the bank but still they opened it

 

[Copycat]

Oh god. I got Visa signature physical and Rupay select virtual debit cards so easily with my union bank USSA 2 salary account.

My company is not tied up with the bank but still they opened it

Yes, I know the MABs are high. I was just trying to figure out what tdot (see post below) might have had as a regular customer. Yours is also a valid option for those people who can choose where their salary account is to be maintained

You can get free Rupay select DC just need to look around most of the info on here and elsewhere is as usual stale.

I got 3 Select DCs and all are without any charges. Only 1 from Sbi wealth is kinda expensive since I have to maintain wealth account TRV

 

[TheGuyTheGuy is verified member.]

Applied for Indian Bank Select DC on 17th Feb, Saturday- took less than 5mins- had to fill 1 page form with Name, Acc Number, Check Box to Issue Debit Card and in Comment Field write Rupay Select DC.
AM Guided in all this. Also was concerned about fee and asked me if I specifically wanted this and also WHY? No queue. (Location- New Delhi)

Fee deducted on 21st Feb, Monday (1k+GST). Card delivered on 26th Feb, Monday via Speed Post, no tracking details were messaged to me either by the bank or India Post. Return address is address of branch, so there is some solace knowing one can collect from branch if delivery missed.

ETA: yet to set pin, gotta go to ATM to do that. So, still to avail any offers- can't comment on those as of now.

 

[APT]

Rupay Select is free with BOB Rise (10L TRV), Sparkle & Shine Tiers*. The best part is that the tiers are TRV based. And BOB offers 7.25% on FDs which is better than what is offered by some private banks (You misers, Axis & ICICI, I'm referring to you)

You also get a Visa Signature DC free with SBI Wealth (30L TRV), which I'm pretty sure can be swapped for a Rupay Select

I don't know which is the 3rd one

*
====================================================================

SPARKLE​

Eligibility​

A minimum Quarterly Average Balance of Rs. 20 lakh and above but below Rs. 30 lakh in Savings Account or Current Account or combined Current & Savings account (in the preceding quarter).

Benefits & Offerings​

1. Unlimited Free Cheque Book in Current & Saving Accounts
2. 75% concession in DD/PO charges
3. 75% concession in locker rent charges(-1- locker)
4. 100% concession in NEFT/RTGS through all channels
5. 100% concession in Demat AMC
6. Free RUPAY Select Debit Card
7. Facility of Relationship Manager (on selected location/ branches during business hours)

SHINE​

Eligibility​

A minimum Quarterly Average Balance Rs. 10 lakh and above but less than Rs. 20 lakh in Savings Account or Current Account or combined Current & Savings account(in the preceding quarter).

Benefits & Offerings​

1. Unlimited Free Cheque Book in Current & Saving Accounts
2. 50% concession in DD/PO charges
3. 50% concession in locker rent charges(-1- locker)
4. 50% concession in NEFT/RTGS through all channels
5. 50% concession in Demat AMC
6. Free RUPAY Select Debit Card

RISE​

Eligibility​

A minimum Quarterly Average Balance is less than Rs. 10 lakh in Savings account or Current Account or combined Current & Savings account BUT combined Quarterly Average balance of Fixed deposit and Current or Savings Account is more than Rs. 10 lakh (in the preceding quarter).

Benefits & Offerings​

1. Unlimited Free Cheque Book in Current & Saving Accounts
2. 25% concession in DD/PO charges
3. 25% concession in locker rent charges(-1- locker)
4. 25% concession in NEFT/RTGS through all channels
5. 25% concession in Demat AMC
6. Free RUPAY Select Debit Card

Other Terms and Conditions​

1. To be a SPARKLE customer, maintain a minimum Quarterly Average Balance of Rs. 20 lakh and above but below Rs. 30 lakh in Savings Account or Current Account or combined Current & Savings account (in the preceding quarter).
2. To be a SHINE customer, maintain a minimum Quarterly Average Balance Rs. 10 lakh and above but less than Rs. 20 lakh in Savings Account or Current Account or combined Current & Savings account(in the preceding quarter).
3. Balances are measured as a combined balance across the accounts linked to your customer id.
4. Quarterly Average Balance will be calculated on the basis of quarters ending March, June, October and December for assessing the category and hence benefits will be offered accordingly.
5. Bank, at its discretion, reserves the right to modify and/or discontinue any or all the listed benefits at any time without giving any notice.

====================================================================

​

how to apply under rise

 

[Copycat]

how to apply under rise

I am not sure how to do it, as I came to know I was in the Rise tier only after I had already applied for the card

I think you should approach the branch and ask them for the select Debit card. They will ask you to upgrade from the base account to the 20K account as that is the minimum requirement in their system. You'll then get it FYF, courtesy the 20K account. Up to this point I am sure, as I did all this. The next step would be to approach the branch or customer care, point out that you are a Rise customer and ask for it to be made LTF* (This part I haven't done yet. I am probably going to be a bit lazy and see if at the end of 1 year they charge me for it. If yes, I will ask for a charge reversal and point to my Rise status. I'm hoping the system will see the Rise tier and automatically not charge me for the DC)

*I don't think it is LTF. The correct term to use would be "free as long as you are in one of the designated tiers, chargeable otherwise"

 

[sharonraj134]

Applied for Indian Bank Select DC on 17th Feb, Saturday- took less than 5mins- had to fill 1 page form with Name, Acc Number, Check Box to Issue Debit Card and in Comment Field write Rupay Select DC.
AM Guided in all this. Also was concerned about fee and asked me if I specifically wanted this and also WHY? No queue. (Location- New Delhi)

Fee deducted on 21st Feb, Monday (1k+GST). Card delivered on 26th Feb, Monday via Speed Post, no tracking details were messaged to me either by the bank or India Post. Return address is address of branch, so there is some solace knowing one can collect from branch if delivery missed.

ETA: yet to set pin, gotta go to ATM to do that. So, still to avail any offers- can't comment on those as of now.

So Indian Bank Rupay select debit card has both Joining fee and renewal fee of Rs 1k+ Gst?? Haven't seen any specific charges mentioned any where in their website....... plz confirm how much is the renewal fee and can we avail AMAZON Prime 12M membership ..... Dod u logged in to Rupay website with the debit card...what all offers are shown for this card.... can u attach screenshots plzz ......

 

[sharonraj134]

Sbi platinum card rupay select. Salary account.

I also have sbi salary account. My debit card is about to expire .... How did u appled for Rupay Select debit card and what are all charges .