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Rupay Select Debit Card (RSDC) Features and Benefits - Latest update (FY 2025-26) & Future Uncertainties - Discussion

This post is suicidal , it would aid banks in understanding all the devaluation related pointers at one place and make an easy kill.
Toh kya kia jaye bataye. Par inha devaluation se jyada toh revaluation hua hay.
Don't you think?

@Abhishek012 Sir, RPDC ka av koy fayada nehi hay. Aap banado thread on all Rupay DC changes kar ke. And, add one by one. All banks going to roll out different options slowly, slowly.
Ye post Idhaar hi rahne dete hay. aap chaho toh link share kardo dusre thread mein, but only in TF, please.
 
I redeemed amazon prime ott in pnb rupay select debit card 4/5 days ago.
Today it got refreshed and seeing options of amazon prime,sony and Hotstar 🗿
do you mean u can buy one more prime now?
Seems so but I want hotstar
You are absolutely right @Sahil_07. It seems to be an error.

I just checked. Redemption not possible. "This promotion is not applicable for this card number"
 
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You are absolutely right @Sahil_07. It seems to be an error. let's redeem them.
I just checked. Got them renewed too. Enjoy guys.
Dont spread it too much. otherwise bank might recover the cost.
Not seen on UBI virtual card as of now..i redeemded one month ago but not seeing again
 
As said before, banks have started devaluing/ reevaluating their RSDC cards.
For example, see how PNB has changed.

Even though many threads exist on the same topic, those threads and posts are confusing. Hence, I created my own post so you can see the summary of changes.
Note to Mods: Please don't touch this post or delete it. Information here is more precise than elsewhere.


NameImageEligibility & Charges
NEOView attachment 92761Eligibility: Salaried Individual, drawing a Monthly Gross Salary Above Rs.10,000/- to Rs.25,000/-.

Charges: Issue 500; AMC 500; Replacement 500.
EXCEL /
GROWTH
View attachment 92766Eligibility:

EXCEL:
Salaried Individual, drawing a Monthly Gross Salary Above Rs. 25,000/- to Rs.75,000/-.

GROWTH:
All Individuals above 18 years of age maintaining Monthly Average Balance of Rs. 25,000/-

Charges: Issue 500; AMC 650; Replacement 500.
OPTIMA / ADVANTAGEView attachment 92774Eligibility:
OPTIMA:
Salaried Individual, drawing a Monthly Gross Salary Above Rs. 75,000/- to Rs.150,000/-.

ADVANTAGE: All Individuals above 18 years of age maintaining Monthly Average Balance of Rs.50,000/- or above.

Charges: Issue 600; AMC 800; Replacement 600.
IMPERIAL /
ELITE EXECUTIVE
View attachment 92777Eligibility:
IMPERIAL:
Salaried Individual, drawing a Monthly Gross Salary Above Rs. 1,50,000/-

ELITE EXECUTIVE: All Individuals above 18 years of age maintaining Monthly Average Balance of Rs. 1,00,000/-

Charges: Issue 600; AMC 900; Replacement 600.
RAKSHAKView attachment 92786Eligibility:
For all the (Also include Police Rakshak and Rakshak Pensioner) serving personnels of Defence and related services with rank below Officer – Serving personnel of Indian Air Force, Indian Army & Indian Navy, BSF, CISF, ITBP, SSB, CRPF, Assam Rifles & NSG, CISF, CRPF, Research & Analysis Wing (RAW), Intelligence Bureau (IB), Central Bureau of Investigation (CBI), Indian Coast Guard, Special forces at Central & State Level, NSG, SPG, NDRF, Firefighters.

Charges: Issue 500; AMC 500; Replacement 500.
RAKSHAK PENSIONERView attachment 92787Eligibility:
For all the (Also include Police Rakshak and Rakshak Pensioner) serving personnels of Defence and related services officers below the rank of Brigadier – Serving personnel of Indian Air Force, Indian Army & Indian Navy, BSF, CISF, ITBP, SSB, CRPF, Assam Rifles & NSG, CISF, CRPF, Research & Analysis Wing (RAW), Intelligence Bureau (IB), Central Bureau of Investigation (CBI), Indian Coast Guard, Special forces at Central & State Level, NSG, SPG, NDRF, Firefighters.

Charges: Issue 600; AMC 800; Replacement 600.
POLICE RAKSHAKView attachment 92789Eligibility:
For all the (Also include Police Rakshak and Rakshak Pensioner) serving personnels of Defence and related services officers with the rank of Brigadier and Above – Serving personnel of Indian Air Force, Indian Army & Indian Navy, BSF, CISF, ITBP, SSB, CRPF, Assam Rifles & NSG, CISF, CRPF, Research & Analysis Wing (RAW), Intelligence Bureau (IB), Central Bureau of Investigation (CBI), Indian Coast Guard, Special forces at Central & State Level, NSG, SPG, NDRF, Firefighters.

Charges: Issue 600; AMC 900; Replacement 600.
SAMRIDDHIView attachment 92791Eligibility:
Farmers - As per National Policy for Farmers 2007, maintaining the minimum Half-Yealy Avg. Balance of Rs.25,000/-. Kisan Savings Account should be opened only for farmers.
Age criteria: 18 years and above. The following Occupation categorization: -
1. Farmer, 2. Small Farmer, 3. Marginal Farmer, 4. Landless Labourer, 5. Agriculture & Allied Activities

Charges: Issue 500; AMC 500; Replacement 500.

Basically, there are four types of cards. Benefits are based on annual fees: 500, 600, 800, and 900.

NEO / RAKSHAK / SAMRIDDHI
View attachment 92764

EXCEL / GROWTH
View attachment 92772

OPTIMA / ADVANTAGE / RAKSHAK PENSIONERS
View attachment 92776
+concierge.

IMPERIAL / ELITE EXECUTIVE / POLICE RAKSHAK
View attachment 92778
+concierge.

Don't forget to like this post for my efforts to summarise.

Some important points.
1. Most of them have removed Uber. We have to check whether it gets updated on the Rupay redemption page or not.
2. NEO was their earlier version of RSDC. Now they have reduced the charges and eligibility.

Reference: https://www.pnbindia.in/testing.html

Will update/edit further. Enjoy.
So now this means 20% upto 100 off on RSDC?
 
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