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

[Saral]

Bhai kya batau mera to generate hogya h but transaction hi nahi ka rha h. Kismat hi kharab h mera

pin set krke dekho..uske baad krta h

 

[Abhishek012]

That's what's mentioned on the website. We have to wait for the actual update.

Kidhar likha hai website me ?

 

[La pasión]

pin set krke dekho..uske baad krta h

Bhai maina virtual ko physical bhi kardiya tabhi bhi kam nahi ka rha

 

[iimadarsh]

X

I've been using the Canara Aspire account since November last year and have had an overall good experience. After hearing they offer RSDC FYF, I got the card, as I plan to close the account next year. If they charge anything, I'll just keep a zero balance. Canara’s servers are excellent—never had a failed transaction or server issue. Also, love the feature that everything can be done via the A1 app like BOB which is a huge plus point for me.


On the other hand, PNB is always crowded, and server issues are common. BOI is another hassle—after opening an account online, the DBM is asking me to submit physical KYC documents to activate my debit card and cheque book. I told them I don’t have time for such unnecessary visits—what’s the point of online account opening then?


Now, they claim my signature isn’t showing, but I clearly remember signing during vKYC. BOI has only given me view-only access to their app.

Canra aspire account pe to platinum Tha free na. Rupay Select bhi milne laga?

 

[Raavan]

Kidhar likha hai website me ?

Thread 'PNB launched New Range of Debit Cards'

Thursday at 12:23 AM

News Credit: @La pasión

Punjab National Bank has launched multiple debit cards numerically:
Rupay select debit card: 11
Mastercard World: 1
Rupay Platinum: 7
Mastercard Platinum: 2

RuPay Platinum Debit Card Range

1. Harit: Exclusive to Farmers

2-4. Bhedbhav Debit Cards: Pearl, Emerald, Solitaire: Exclusive to Women maintaining from 10K to 50K - Fee ranging from
Pearl: 250|350
Emerald: 300|500
Solitaire: 400|650

5, 6. Vishwas & Varishth: exclusive to Government Employees & Senior Citizen for maintaining 10K

7...

• Raavan
• cards new pnb
• Replies: 56
• Forum: Debit Card

• 
• 
• 

Idher dekhiye PDF attach kiye hai
1st wali PDF me read kariye

 

[Abhishek012]

Thread 'PNB launched New Range of Debit Cards'

Thursday at 12:23 AM

News Credit: @La pasión

Punjab National Bank has launched multiple debit cards numerically:
Rupay select debit card: 11
Mastercard World: 1
Rupay Platinum: 7
Mastercard Platinum: 2

RuPay Platinum Debit Card Range

1. Harit: Exclusive to Farmers

2-4. Bhedbhav Debit Cards: Pearl, Emerald, Solitaire: Exclusive to Women maintaining from 10K to 50K - Fee ranging from
Pearl: 250|350
Emerald: 300|500
Solitaire: 400|650

5, 6. Vishwas & Varishth: exclusive to Government Employees & Senior Citizen for maintaining 10K

7...

• Raavan
• cards new pnb
• Replies: 56
• Forum: Debit Card

• 
• 
• 

Idher dekhiye PDF attach kiye hai
1st wali PDF me read kariye

Sath me platinum bhi likha hai, woh log flow flow me daal diya hoga.

 

[Z_S]

As said before, banks have started devaluation / reevaluation 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.

Name	Image	Eligibility & Charges
NEO	View attachment 92761	Eligibility: 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 92766	Eligibility: 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 / ADVANTAGE	View attachment 92774	Eligibility: 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 92777	Eligibility: 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.
RAKSHAK	View attachment 92786	Eligibility: 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 PENSIONER	View attachment 92787	Eligibility: 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 RAKSHAK	View attachment 92789	Eligibility: 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.
SAMRIDDHI	View attachment 92791	Eligibility: 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.

Great efforts and you have summarised it in best possible manner💯💯

 

[Saral]

As said before, banks have started devaluation / reevaluation 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.

Name	Image	Eligibility & Charges
NEO	View attachment 92761	Eligibility: 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 92766	Eligibility: 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 / ADVANTAGE	View attachment 92774	Eligibility: 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 92777	Eligibility: 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.
RAKSHAK	View attachment 92786	Eligibility: 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 PENSIONER	View attachment 92787	Eligibility: 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 RAKSHAK	View attachment 92789	Eligibility: 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.
SAMRIDDHI	View attachment 92791	Eligibility: 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.

High salary p bhi free card ni de rhe 😡

 

[nh124001]

High salary p bhi free card ni de rhe 😡

acha...abhi tak toh titanium salary account ke sath debit card free thaa

 

[nh124001]

bhai PNB ne salary account ke variant bhi change kardiyee hai... mere pass already highest variant hai titanium...but abb website par imperial dikh raha hai..automatic update nahi hoga kya..firse branch mein jaana padega!!??

 

[drvirag]

High salary p bhi free card ni de rhe 😡

Free to dikha rha hai

Salary Accounts

Salary Accounts

www.pnbindia.in

 

[binno]

bhai PNB ne salary account ke variant bhi change kardiyee hai... mere pass already highest variant hai titanium...but abb website par imperial dikh raha hai..automatic update nahi hoga kya..firse branch mein jaana padega!!??

psu hai … jana toh mandatory hota hi h

 

[2025]

bhai PNB ne salary account ke variant bhi change kardiyee hai... mere pass already highest variant hai titanium...but abb website par imperial dikh raha hai..automatic update nahi hoga kya..firse branch mein jaana padega!!??

I think u have to reissue the card. They have to update their bin accordingly. All previously issued cards possibly will be NEO only.

High salary p bhi free card ni de rhe 😡

For new account opening all salary accounts in PNB, respective RSDC will be free. Check link shared by @drvirag

Salary Accounts

Salary Accounts

www.pnbindia.in

Also see attachments for easy reference.

 

[nh124001]

psu hai … jana toh mandatory hota hi h

nodal officer ko mail daluga..automatic titanium se imperial karo

 

[2025]

nodal officer ko mail daluga..automatic titanium se imperial karo

Salary variant might change automatically but not cards. My guess.

 

[nh124001]

Salary variant might change automatically but not cards. My guess.

hojaye toh thik hai.. card toh new issue karva luga... manager..apne cabin mein bitha ke coffee pilati hai..but staff baada nikama hai..

 

[Saral]

but salary account few month k salary se convert ho rha ho toh btana...like once in six month

hojaye toh thik hai.. card toh new issue karva luga... manager..apne cabin mein bitha ke coffee pilati hai..but staff baada nikama hai..

 

[nh124001]

but salary account few month k salary se convert ho rha ho toh btana...like once in six month

yeh kaisi salary hai bhai 🤣 ... maine convert nahi open hi..titanium salary account karvaya thaa

 

[Saral]

mtlb hsbc main salary account rakha hu...but benefits k liye change kr skta hu beech beech m...agr ye loop hole ho toh

yeh kaisi salary hai bhai 🤣 ... maine convert nahi open hi..titanium salary account karvaya thaa

 

[nh124001]

mtlb hsbc main salary account rakha hu...but benefits k liye change kr skta hu beech beech m...agr ye loop hole ho toh

iska paata nahi bhai... agar salary credit naa ho toh..kya maintain rahega ya nahi... psu bank hai shayad itna dhyan naa de