RuPay Select Debit Card Portfolio

[Rajx99]

Which canara account you opened online ?

Almost all types of account can be opened online in canara bank, they give us option to select our preferred account type

 

[Zidan]

what's the savings account variant name in jana bank for 5k mab? I am also planning to open in jana bank for RSDC

Open normal savings account, don't apply for dc at the time of opening, after account has been opened call customer care and ask them to apply, for more details check jana bank thread

 

[raghu.rokda]

Almost all types of account can be opened online in canara bank, they give us option to select our preferred account type

Can we avoid debit card while opening online account ?

 

[Rajx99]

Can we avoid debit card while opening online account ?

I am not sure about that because i just opened aspire account last week and it automatically comes with free debit (ONLY free for 18-28 age)

 

[rohit_]

I am not sure about that because i just opened aspire account last week and it automatically comes with free debit (ONLY free for 18-28 age)

canara aspire ac opened on 02 April - welcome kit delivered but no free millenia card issued till now
rupay select card generated on 03 april till now not delivered no sms or any update

 

[ashwinikumar900]

I’m sharing my RuPay Select Debit Card Portfolio, including the associated bank details, account type, Minimum Average Balance (MAB) requirements, issuance and annual maintenance charges (AMC) [Including GST], as well as how I opened these accounts.

I have 12 RSDCs from 11 banks.

This is the cheapest possible way to get RSDCs.

This could be useful for anyone planning to acquire RuPay Select cards from different banks.

View attachment 79542

Notes:

1. Union Bank of India: Free Virtual RSDC. Logically 5000 MAB with 236 AMC.
2. Indian Overseas Bank: Downgraded from SB HNI to SB MAX. Don't know whether the cancel or not in future. Update soon.

Will write separate threads for each bank account opening experience.
PSU Banks I Haven’t Considered for My Debit Card Portfolio:
Punjab National Bank: 50,000 MAB(High) with AMC charges.
Bank of Maharashtra: 25,000 MAB (High). Bank confirm as of now FREE. Not LTF.
Punjab and Sind Bank: No RSDC.

Are there any Rupay Select vouchers benefits on Rupay credit cards?

 

[2025]

Are there any Rupay Select vouchers benefits on Rupay credit cards?

That's the only reason people are running behind these cards. RSDC without any voucher is like a body without soul.

Edit: He was asking about RSCC. My reading error. Vouchers are annual in RSCC and some of the RSDC vouchers not available in RSCC.

 

[Rajx99]

canara aspire ac opened on 02 April - welcome kit delivered but no free millenia card issued till now
rupay select card generated on 03 april till now not delivered no sms or any update

u can track the card status : canara bank>scroll down and click on apply debit card>track debit>select acc and application, it should show the details there, if not then u must visit ur branch asap

 

[hender]

That's the only reason people are running behind these cards. RSDC without any voucher is like a body without soul.

But how much worth it is paying 1000+GST RSDC per A/C ?
May be cost recovery or little extra by selling coupon at disc 🤔 ?

 

[R_A_J]

That's the only reason people are running behind these cards. RSDC without any voucher is like a body without soul.

*small correction: RSCC as @ashwinikumar900 was asking about RS Credit cards....
to answer the question - Yes, like @2025 mentioned - RSCC also has certain benefits, major missing point is the OTT subscription. Also, like RSDC, RSCC benefits are also specific to bank & card variant, so do your research before applying specific RSCC.

 

[hender]

*small correction: RSCC as @ashwinikumar900 was asking about RS Credit cards....
to answer the question - Yes, like @2025 mentioned - RSCC also has certain benefits, major missing point is the OTT subscription. Also, like RSDC, RSCC benefits are also specific to bank & card variant, so do your research before applying specific RSCC.

That's a different thing, if getting LTF RSCC, coupon is cherry 🍒 on top 🔝.
Make little more sense

 

[R_A_J]

But how much worth it is paying 1000+GST RSDC per A/C ?
May be cost recovery or little extra by selling coupon at disc 🤔 ?

it depends on specific person's use case.
For some, Amazon prime subscription is the key (for tier 2/3 city)...whereas for some, its cult vouchers or spa vouchers (metro/tier 1 city).

I feel the perceived return on the cards is much more if you are in metro cities and using the max vouchers for your own (compared to selling it at discounts) - but again this is my personal opinion.

You'r correct - Selling the vouchers also yields some positive return (maynot be high if you include the process/time involved in procuring them from PSUs and also the hassles of trading with unknowns.

 

[hender]

it depends on specific person's use case.
For some, Amazon prime subscription is the key...whereas for some, its cult vouchers or spa vouchers.

I feel the perceived return on the cards is much more if you are in metro cities and using the max vouchers for your own (compared to selling it at discounts) - but again this is my personal opinion.

Selling the vouchers is also positive return, but yeah involves hassles of trading.

I appreciate your point ☝️,
But 1 or 2 RSDC is more than enough for personal use.
May Be I am lazy , hence seeing, first issuing, activating, managing, blocking, fetching coupon, selling, collection of money again deploying in fresh raw inventory of RSDC, is more than a full time job or business 🤔😇

 

[R_A_J]

I appreciate your point ☝️,
But 1 or 2 RSDC is more than enough for personal use.
May Be I am lazy , hence seeing, first issuing, activating, managing, blocking, fetching coupon, selling, collection of money again deploying in fresh raw inventory of RSDC, is more than a full time job or business 🤔😇

totally agree with you.... I was speaking from a generic perspective.
There are hassles involved, so it depends how much one accounts for those hassles/opportunity costs.

 

[hender]

totally agree with you.... I was speaking from a generic perspective.
There are hassles involved, so it depends how much one accounts for those hassles/opportunity costs.

So true.
it's kind of Bungee Jumping.
Excitement and thrilling...
Few love to do, few are afraid of...

 

[rohit_]

u can track the card status : canara bank>scroll down and click on apply debit card>track debit>select acc and application, it should show the details there, if not then u must visit ur branch asap

not showing consignment number
visited branch noted down ac number and say that from their side they raise this issue

 

[2025]

But how much worth it is paying 1000+GST RSDC per A/C ?
May be cost recovery or little extra by selling coupon at disc 🤔 ?

Take whichever make u comfortable. 3 option I have already mentioned. You can add another one (Aparajita) if the ac holder is female.

It seems, for you it's basically Akkad, bakkad, bombay, boo.

 

[hender]

Take whichever make u comfortable. 3 option I have already mentioned. You can add another one (Aparajita) if the ac holder is female.

It seems, for you it's basically Akkad, bakkad, bombay, boo.

"Rupay - Classic Platinum Select Quote of the day ☝️

 

[SJM]

he didn't ask for pension to be credited first in the account before converting?

Mission Accomplished: Called BM, as expected he hasn't seen my mail. Said will check mail and update me. He called me back 10 min later and said system not allowing to convert staff account to Jeevandhara but then he called someone (probably a more tech savvy guy) and he said that there is separate product range called ex-staff Jeevandhara. I asked for features and he sent me the same on Whatsapp. I checked for LTF RSDC and called him back. The conversion was done instantaneously over the call itself. I asked about new DC, BM asked me to wait for 7-8 days. If it doesn't come automatically then I should call him back and he will raise the request in the system.

Called BM back yesterday saying RSDC not showing in NetBanking yet. He said he will apply by EOD, I checked after an hour and RSDC was showing up. Waiting for it to arrive 🙂

Added using BIN to my RS account

 

[La pasión]

Now after seeing the craze for rupay select dc in reddit. The end is near