IOB online account opening detailed process - Best for RSDC

[lightwaves]

Now here's the twist:
To upgrade, you need the expiry date of your current card. Since I hadn’t received mine yet, I asked around.

whats the workaround?

 

[safetorpedo2]

A normal rsdc has ott yearly, gym spa uber health vouchers quarterly.
These benefits are same across all banks except pnb new dcs.

But rscc are very different. Most rscc wont offer any vouchers. But some psus do like boi,pnb,ubi etc..
That too all are yearly only. So waste

What do u mean by pnb new dcs?

I have recently gotten a pnb salary account (excel) and they have issued rupay excel select dc as LTF. Hopefully this one has all the benefits right? 😅

 

[HumorSimpson]

Can't speak for others, but I wouldn't have dared to go for IOB if Ram bro hadn't shared his experience and guided me whenever doubts came up.

True that bro.

 

[HumorSimpson]

Ayodhya Ram for real world problems,
IoB Ram for banking problems

 

[Garry]

whats the workaround?

doesn't matter in which month your card has been issued, expiry will be Dec/issued year + 5, means 12/30 if issued in any month of 2025.

 

[safetorpedo2]

IOB Online Account Opening & Rupay Select Debit Card (RSDC) Journey 🏦💳

I tried opening an IOB account on 25th Aug using the Video KYC link shared by @Ram1 bro,

(https://vkyc.iob.in/customerVkyc)

but ran into an error after entering PAN and Aadhaar: “UNABLE TO PROCESS YOUR REQUEST. KINDLY CONTACT BRANCH.”

So that route was a no-go, at least for me.

Ended up opening a Digital Insta Account (no Video KYC needed) using another link Ram bro gave.

(https://digital.iob.in/instantaccount/Home/applynow)

That worked smoothly. Got two emails, One with net banking login + fund transfer Pin and another asking to visit the branch for full KYC

Checked with others, turns out the account stays active for up to 1 year without full KYC. So all good for now.


Debit Card Drama 🎭

Applied for a RuPay Classic Debit Card via net banking on 26th Aug. ₹177 got deducted instantly.

Got an SMS on 27th Aug saying the card was dispatched and would arrive in 7–10 days.

Then on 28th Aug, once the Classic card showed up in net banking, I upgraded to RuPay Select Debit Card (RSDC).

₹413 deducted for the upgrade. Got another SMS on 30th Aug confirming dispatch.

Didn’t apply for RSDC directly because the fee was ₹944.
Going through the upgrade route cost me ₹590 total (₹177 + ₹413), so saved a decent chunk there.


Now here's the twist:
To upgrade, you need the expiry date of your current card. Since I hadn’t received mine yet, I asked around.

Most banks follow a simple rule: issue month + 5 years.

But IOB does it differently, they set expiry to Dec + 5 years from issue year.

So if your card is issued in Aug 2025, expiry will be Dec 2030.


Delivery Confusion 📦

On 2nd Sept, got an SMS from India Post with tracking info.

It showed my branch as the destination, which was confusing but the card ended up arriving at my home later.

Then on 4th Sept, got another tracking SMS (assumed it was for the upgraded card).

On 6th Sept, got a “delivered” SMS for the first card, but nothing showed up, figured it went to the branch due to the upgrade.

Finally, on 8th Sept, both Classic and Select cards landed at my doorstep. Activated the RSDC via net banking. All set now!

Hope this helps someone going through the same process.

Shoutout to the folks who helped me figure things out. 🙌

While opening either of the account, did you have any option to enter a different address for communication.

I'm not presently available at permanent aadhar address, that's why asking

 

[Garry]

While opening either of the account, did you have any option to enter a different address for communication.

I'm not presently available at permanent aadhar address, that's why asking

Sorry bro, unable to recall that in detail.

 

[HumorSimpson]

Sorry bro, unable to recall that in detail.

That's how our 🧠 works. It tries to forget the traumatic experiences.

 

[safetorpedo2]

While opening either of the account, did you have any option to enter a different address for communication.

I'm not presently available at permanent aadhar address, that's why asking

@Ram1 do you remember?

 

[Bravo Echo]

While opening either of the account, did you have any option to enter a different address for communication.

I'm not presently available at permanent aadhar address, that's why asking

Yes there was option to provide seperate correspondence address as far as I remember

 

[Raaghul5]

Check netbanking once

No use, couldn't find anything. Even the delivered card features are not showing like set pin etc.

 

[Garry]

No use, couldn't find anything. Even the delivered card features are not showing like set pin etc.

Go in IOB debit cards by clicking on down arrow along with it, then scroll down in the sub menu, you will find upgrade option.

 

[Raaghul5]

Go in IOB debit cards by clicking on down arrow along with it, then scroll down in the sub menu, you will find upgrade option.

I did that, after selecting the account, it still shows no cards available for this account

 

[zomatoo]

I did that, after selecting the account, it still shows no cards available for this account

Activate card first from netbanking

 

[Raaghul5]

Activate card first from netbanking

Even that is not possible. It's showing "no cards available" even there

 

[Garry]

Even that is not possible. It's showing "no cards available" even there

did you receive fund transfer pin and change it in internet banking?

 

[Raaghul5]

did you receive fund transfer pin and change it in internet banking?

Yes did that . It has been more than a week since I did that

 

[Premium]

It seems this later link way is faster in acquiring the card. Here I am stuck with vkyc slots hassle when applied through the initial link.

 

[zomatoo]

It seems this later link way is faster in acquiring the card. Here I am stuck with vkyc slots hassle when applied through the initial link.

digital account open karlo. instantly account number mil jaayega

 

[Ram1]

digital account open karlo. instantly account number mil jaayega

Mat karo yar instant wala, kyc keliye branch jana padega