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 :-

 

[shantanusearch1]

Charges :- (Considering Card Life of 5 Years)



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.

 

[shantanusearch1]

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






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

 

[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


Just instead of AMB kept 11k in FD.

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

 

[blacktiger]

is the blinkit/bigbasket and flipkart vouchers a gift card or discount coupon codes?

 

[GTSaketh]

is the blinkit/bigbasket and flipkart vouchers a gift card or discount coupon codes?

i don't know about blinkit, but both bigbasket and flipkart are added to the gift card wallet.