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RuPay Select Debit Card Portfolio

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.
@fradela
How to get this free virtual rsrdc. Someone in my family has union bank account (probably general account) and cant see this option in the Vyom app.
 
Only Union Udaan Account - SBPRO is eligible for VRSDC
Read the post, it's available for Union Udaan only as far as I know
Forget virtual card, rsdc not even possible with salary accs,hni accs.
Only udaan that too with luck

i have both SBHNI [ 1L QAB ] & SBHNP [ 10L QAB ] in UBI, where i get VRSDC for Both the Accounts.

in UBI virtual debit variant depends on primary DC , like
  • if your Physical DC is Rupay Select or Visa Signature DC , then you will get VRSDC.
  • if your Physical DC is Rupay Platinum or Visa Platinum or Mastercard Platinum DC , then you will get VRPDC.
  • if your Physical DC is Rupay Classic or Visa Classic DC , then you will get VRCDC.

You can get VRSDC even for General account if your Physical DC is Rupay Select or Visa Signature.

&
remember Virtual DCs is started whey before to the launch of Udaan account. , so it can't be limited to SBPRO.
 
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