RuPay Select Debit Card Portfolio

[apurba.d1]

Th

After online application, visited to branch to get account activation, net banking, and app activation.

Once activated app, I applied Select card via app.

Don't ask branch people to apply debit cards.

Apply via app.

They have some wired policy they will verify your aadhaar address physically you open the account online. No verification if ofline

 

[fradela]

App is giving error sometimes while applying dc.
If they r ready to apply, better to apply dc at branch itself.

New app "Cent eez" has a lot of issues. They should change the name of the app 😀

I applied via old app "Cent Mobile".

 

[apurba.d1]

New app "Cent eez" has a lot of issues. They should change the name of the app 😀

I applied via old app "Cent Mobile".

How to login cent mobile without debit card

 

[fradela]

How to login cent mobile without debit card

You can login using Branch Token.

 

[Bravo Echo]

I checked passbook in my bob app today and it shows a transaction of 14k as sweep transfer. As per website sweep transfer comes into play if balance is over 50k. In my case the balance was below 50k still this sweep transaction has took place.

Has anyone faced the same?
@fradela @Ram1 @zomatoo and others

 

[Ram1]

I checked passbook in my bob app today and it shows a transaction of 14k as sweep transfer. As per website sweep transfer comes into play if balance is over 50k. In my case the balance was below 50k still this sweep transaction has took place.

Has anyone faced the same?
@fradela @Ram1 @zomatoo and others

Bro these sweeps are total headache.
My available balance for 3 months now is being 45k, but no sweep done to me on my super savings. Unpredictable system.

Also these all sweeps show as aggregate FD in income tax, be aware.

Since u already got rsdc, I suggest u to change scheme to Advantage as it's zero balance. U will be charged 590 for rsdc,but that is ok compared to benefits of rsdc.

 

[Bravo Echo]

Bro these sweeps are total headache.
My available balance for 3 months now is being 45k, but no sweep done to me on my super savings. Unpredictable system.

Also these all sweeps show as aggregate FD in income tax, be aware.

Since u already got rsdc, I suggest u to change scheme to Advantage as it's zero balance. U will be charged 590 for rsdc,but that is ok compared to benefits of rsdc.

I was going to downgrade to advantage after 6 months in order to avoid 590 fees too

At the time of account opening I had thought to visit branch later and change sweep threshold to maximum in order to avoid this same situation but then I thought since I'm anyways maintaining below 50k then sweep shouldn't be any problem.

Also what's more concerning to me is how I haven't received any sms confirmation about this from the bank

 

[Ram1]

I was going to downgrade to advantage after 6 months in order to avoid 590 fees too

At the time of account opening I had thought to visit branch later and change sweep threshold to maximum in order to avoid this same situation but then I thought since I'm anyways maintaining below 50k then sweep shouldn't be any problem.

Also what's more concerning to me is how I haven't received any sms confirmation about this from the bank

Branch might have put less threshold on ur account. Heard same problem from multiple users. For now its better to keep 20 to 25k only

Better to change scheme than changing threshold at branch

 

[Bravo Echo]

Branch might have put less threshold on ur account. Heard same problem from multiple users. For now its better to keep 20 to 25k only

Better to change scheme than changing threshold at branch

I had opened account online

Balance was around 24k🥲 so nothing is safe ig xD

 

[kaushikfrnd]

I’m sharing my RuPay Select Debit Card Portfolio, including the associated bank details, account type, Minimum Average Balance (MAB) requirements, issuance and annual maintenance charges (AMC) [Including GST], as well as how I opened these accounts.

I have 12 RSDCs from 11 banks.

This is the cheapest possible way to get RSDCs.

This could be useful for anyone planning to acquire RuPay Select cards from different banks.

View attachment 79542

Notes:

1. Union Bank of India: Free Virtual RSDC. Logically 5000 MAB with 236 AMC.
2. Indian Overseas Bank: Downgraded from SB HNI to SB MAX. Don't know whether the cancel or not in future. Update soon.

Will write separate threads for each bank account opening experience.
PSU Banks I Haven’t Considered for My Debit Card Portfolio:
Punjab National Bank: 50,000 MAB(High) with AMC charges.
Bank of Maharashtra: 25,000 MAB (High). Bank confirm as of now FREE. Not LTF.
Punjab and Sind Bank: No RSDC.

One Small edit For IOB you can directly apply through net banking. And 350 Rs Opening Fee 800 Rs+GST would be AMC

 

[Çàrdøhôlïç]

@Ram1 , Welcome to the world of RuPay Select !!!

Try BOI, Indian as well. MAB should 1000.

Canara: Get 2 add ons.

Why Karnataka Bank? I already mentioned here, it is refresh yearly. Bank is very worst. PSUs are better than this bank. I will close this soon.

Hey could you please confirm if ott benefits are included in BOI RSDC?

 

[Ram1]

Hey could you please confirm if ott benefits are included in BOI RSDC?

Yes and quarterly refreshing

 

[Ram1]

One Small edit For IOB you can directly apply through net banking. And 350 Rs Opening Fee 800 Rs+GST would be AMC

350 is for Upgrade from existing card.
For fresh issuance it is 800 plus gst

 

[karthikbuchi]

With canara bank becoming zero balance account, is it safe to say canara bank is the best debit card to get for RSDC benefits?

 

[Ram1]

With canara bank becoming zero balance account, is it safe to say canara bank is the best debit card to get for RSDC benefits?

Yes
Zero balance account + First year RSDC.
Its good combo

 

[Ram1]

Yes
Zero balance account + First year RSDC.
Its good combo

@prashantsm U can consider this also

 

[Portgas D Ace]

@Ram1 Do Canara Bank allow add on cards for rupay select? If yes, total how many we can have and charges?

I have aspire account with 1 rupay platinum and 1 rupay select cards

 

[Ram1]

@Ram1 Do Canara Bank allow add on cards for rupay select? If yes, total how many we can have and charges?

I have aspire account with 1 rupay platinum and 1 rupay select cards

Yes, Canara allows total 4 active cards.
U can block millenia dc and apply 1 each month until u get 4 rsdc.

 

[RDR]

Yes
Zero balance account + First year RSDC.
Its good combo

I’m looking to get my first RSDC. Is it possible to get Canara RSDC with a fully online process? After opening the account, are there any conditions to apply for RSDC?

 

[Ram1]

I’m looking to get my first RSDC. Is it possible to get Canara RSDC with a fully online process? After opening the account, are there any conditions to apply for RSDC?

Yes u can do everything online with canara.
Open aspire or regular account online,do vkyc.

After receiving account details, login into canara A1 app using aadhar otp.
Apply rupay select debit immediately before default debit card gets generated else u have to wait 1month for applying rsdc