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RuPay Select Debit Card Portfolio

Any tips and tricks for someone with 0 RSDC? How/where to get started and which banks offers the best benefits?
Is it better to open a new bank account for RSDC or upgrade an existing account? which is the easiest way with least possible amount being blocked?
This is my portfolio with cheapest possible way.
 
This is my portfolio with cheapest possible way.
change mode of opening these banks indian,iob,bob to, can be opened online
 
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