Offer Fulfilled! Rupay Select Debit Card Alternative

[shantanusearch1]

I was looking for an alternate of Rupay Select Debit / Credit Card , A card which is beneficial for small cities / villages yet provides maximum benefits when compared to a Rupay Select Card. , Also having a Rupay Select Card is a costly affair due to Joining / AMC / AMB / AQB of Card and Accounts.

So after a lot of comparisons finalized Bank Of Baroda EaseMyTrip Debit Card (Rupay Platinum)


To get this card , opened a Bank of Baroda Advantage Savings Account online , within 1 hour VKYC done , and get welcome kit in email , then got internet banking kit also in 2 hrs. Installed BOB World app and applied for this debit card.


Advantage Savings Account has MAB of Rs.2000 , but BOB has removed charges so its practically 0 balance account.

Now comes why I choose this card and not Rupay Select , here comes the benefits , financial implications and comparisons.

Benefits :-

Ease My Trip - Rupay Platinum Debit Card
Offer	Provider	Frequency	Voucher Amount	Total Yearly	Usability
OTT: Amazon Prime or Zee5 or SonyLiv	Rupay	Annually	1499	1499	Yes
Shopping: Big Basket or Blinkit	Rupay	Quarterly	250	1000	Yes
Shopping: Flipkart voucher	Rupay	Quarterly	250	1000	Yes
Bookmyshow: Flat INR 250 off on the purchase of 2 movie/non-movie tickets	Rupay	Quarterly	250	1000	No
Gaana Plus Pack - 12 Month	Rupay	Annually	599	599	Yes
domestic lounge access - 2	Rupay	Quarterly
international lounge access -2	Rupay	Annually
Personal accident Rs. 10 Lacs	Rupay	Annually
Air Accident Rs. 50 lacs	Rupay	Annually
Domestic Flight : 10% instant discount maximum up to Rs. 1,000/- with no Minimum Order Value	EaseMyTrip
International Flight: 10% instant discount maximum up to Rs. 5,000/- with no Minimum Order Value	EaseMyTrip
Domestic Hotels: 15% instant discount maximum up to Rs. 5,000/- with no Minimum Order Value	EaseMyTrip				Yes
International Hotel :15% instant discount maximum to Rs. 10,000/- with no Minimum Order Value	EaseMyTrip

 

[shantanusearch1]

Charges :- (Considering Card Life of 5 Years)

Recovery
Date	Joining	AMC	Flipkart	Blinkit	OTT	Gaana Plus	Total Credits	Balance Recovered	Quarter
10-Aug-25	-707							-707	Jul-Sep
30-Sep-25			250	250	1499	599	2598	1891	Jul-Sep
05-Oct-25			250	250			500	2391	Oct-Dec
05-Jan-26			250	250			500	2891	Jan-Mar
05-Apr-26			250	250			500	3391	Apr-Jun
05-Jul-26			250	250	1499	599	2598	5989	Jul-Sep
10-Aug-26		-707						5282	Jul-Sep
05-Oct-26			250	250			500	5782	Oct-Dec
05-Jan-27			250	250			500	6282	Jan-Mar
05-Apr-27			250	250			500	6782	Apr-Jun
05-Jul-27			250	250	1499	599	2598	9380	Jul-Sep
10-Aug-27		-707						8673	Jul-Sep
05-Oct-27			250	250			500	9173	Oct-Dec
05-Jan-28			250	250			500	9673	Jan-Mar
05-Apr-28			250	250			500	10173	Apr-Jun
05-Jul-28			250	250	1499	599	2598	12771	Jul-Sep
10-Aug-28		-707						12064	Jul-Sep
05-Oct-28			250	250			500	12564	Oct-Dec
05-Jan-29			250	250			500	13064	Jan-Mar
05-Apr-29			250	250			500	13564	Apr-Jun
05-Jul-29			250	250	1499	599	2598	16162	Jul-Sep
10-Aug-29		-707						15455	Jul-Sep
05-Oct-29			250	250			500	15955	Oct-Dec
05-Jan-30			250	250			500	16455	Jan-Mar
05-Apr-30			250	250			500	16955	Apr-Jun
05-Jul-30			250	250	1499	599	2598	19553	Jul-Sep
10-Aug-30		-707						18846	Jul-Sep
Total	-707	-3535	Total Exp	-4242	23088
Total Income	23088	Savings	18846

so for a 5 year period if just calculating the redeemable coupon's is := 23088
total of the Joining & AMC Paid := 4242
Total Saving := 18846

this is minimum savings for 5 year , have not included the lounge access domestic / international , hotel bookings & insurance as in non metro & villages may be its not that beneficial and will be occasionally redeemed by card holder.

 

[shantanusearch1]

Charges Payment :- (In case don't want to pay AMC out of pocket)

A idea came that even if i am earning benefit of 18k in 5 years , still feel heavy while paying AMC charges
Opened BOB World app and created a online FD of Rs.11000 this will keep paying the yearly AMCs and now feel relaxed.

Year	FD Date	Principal	Interest Rate (%)	Interest Credited	Interest Amount
1	01-Aug-25	11,100	6.4	01-Aug-26	710
2	-	11,100	6.4	01-Aug-27	710
3	-	11,100	6.4	01-Aug-28	710
4	-	11,100	6.4	01-Aug-29	710
5	-	11,100	6.4	01-Aug-30	710

 

[shantanusearch1]

Benefits Comparison :- What I would have got if opted for Rupay Select Debit Card

Bhoomi- Rupay Select Debit Card
Offer	Provider	Frequency	Voucher Amount	Total Yearly	Usability
12 months Prime Video Zee 5 SonyLIV	Rupay	Annually	1499	1499	Yes
Salon Service	Rupay	Quarterly	1500	6000	Yes
health check-up package	Rupay	Quarterly	999	3996	Yes
INR100/- coupon for Uber cab	Rupay	Quarterly	100	400	Yes
Golf Lesson or Round	Rupay	Quarterly			No
Gym Membership (90 days Home or 30 days for the Offline Workout)	Rupay	Quarterly			No
Domestic Lounge - 1	Rupay	Quarterly
International Lounge -2	Rupay	Annually
Personal Accident Rs. 10 lakhs*	Rupay	Annually

In small cities & villages SPA , GOLF , GYM benefits is unusable , also the lounge access domestic / international , hotel bookings & insurance will be occasionally redeemed by card holder

 

[shantanusearch1]

Account Comparison :- (to get the debit card specific category account is needed)

To apply
1. Bhoomi Rupay Select Card BOB Super Saver Account is needed with MAB = 20000
2. EaseMyTrip Rupay Platinum BOB Advantage Account is needed with MAB = 2000 / 0 as NIL AMC Charges

Details	BOB Super Saver (Select)	BOB Advantage (EaseMyTrip)
MAB	20000.00	₹ 0
Issue Charge	590.00	₹ 706
1st Year AMC	0.00	₹ 706
AMC 2nd–5th	2360.00	2824.00
Total Card Cost (5 Yrs)	2950.00	₹ 4,236
Interest %	2.50	6.40
Interest Earned (5 Yrs)	2500.00	0.00
Interest Lost %	3.90	0.00
Interest Lost (5 Yrs)	3900.00	0.00
Net Earnings	-4350.00	-4236.00

 

[shantanusearch1]

5 Years Costing
Bhoomi Rupay Select = 20k in savings for AMB is ending up interest loss of Rs.3900 + Card Cost = Rs.4350
EaseMyTrip Rupay Platinum = 0k in savings for AMB s ending up interest loss of Rs.0 + Card Cost = Rs.4236

My 5 Years Costing

Details	BOB Advantage (EaseMyTrip)
MAB / FD	₹ 11,100
Issue Charge	₹ 706
1st Year AMC	₹ 706
AMC 2nd–5th	2824.00
Total Card Cost (5 Yrs)	₹ 4,236
Interest %	6.40
Interest Earned (5 Yrs)	3552.00
Interest Lost %	0.00
Interest Lost (5 Yrs)	0.00
Net Earnings	-684.00

Just instead of AMB kept 11k in FD.

Do comment if you appreciate this calculation and enjoy the benefits.
--------------------------------------------------------------------------------------------------------------------------------------

 

[GTSaketh]

Did you type the tables in black font?

I am using dark theme and I can't read anything.

 

[neo13]

Did you type the tables in black font?

I am using dark theme and I can't read anything.

Yeah, couldn't read. I just changed to light theme.