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Rupay Select Debit Card (RSDC) Features and Benefits - Latest update (FY 2025-26) & Future Uncertainties - Discussion

I don't think they will end RSDC offers –
1) This is their premium card
2) This card is not easy to get, and usually comes with high AMC and with accounts of high AMB
3) Not all people with rsdc, are availing all vouchers
》OTT - probably everyone, once in a year
》GYM - only people from top tier cities
》SPA - only people from metro cities, lakme is another story
》TRAVEL - probably everyone who lives in city
》HEALTH CARE - probably the least used one
》GOLF - no one
》LOUNGE - since it was the most used and expensive(powered by PP) hence they devalued (which isn't bad)

The main reason RPDC got devalued is everyone was using it and many of us had more than 1 RPDC, some even had 30🤯 because it was really easy to get with very less amc some were even free !

But they can surely devalue some benefits if it goes above expected rates !
lakme ka kya story hai??
 
Jana bank looks like removed RSDC benefit from normal account.
Its now only possible in legend (age > 60) or with higher variant accounts - premier (1L amb) / exclusive (3l+ amb)

has anyone been able to recently open?
 
Jana bank looks like removed RSDC benefit from normal account.
Its now only possible in legend (age > 60) or with higher variant accounts - premier (1L amb) / exclusive (3l+ amb)

has anyone been able to recently open?
do u hold jana account? from where did you know about the devaluation?
 
Does anyone have Bank of Maharashtra rupay select dc?
Check this thread

 
These devaluations apply only to basic RuPay Select debit cards.

Some banks also offer super premium/ultra premium RuPay Select debit cards, such as the SBI Wealth RuPay Select debit card or the ICICI RuPay Sapphiro Select debit card.

These exclusive bank-issued cards come with their own offers and t&c, which may not fully align with NPCI’s standard Select offers.
Based on devaluation, banks will limit the below limits?
1000409508.webp
Is this chart still valid?
Can we keep some dynamic excel link like google sheet on view only mode so that admins can manage updations, or even selected contributors/volunteers who shares comments and admin approve and edit.
 
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I don't think RuPay would outright remove the benefits. Prime Video is being offered for 750 rupees right now, RuPay probably gets it for less than 500. The same is for other benefits as well, Uber, Lakme, RuPay gets those vouchers for much cheaper.

Think about it, normally a person wouldn't even think about going to a spa. But if offered for free there is possibility of them going twice by paying the actual price if they liked the free service. The same is True for others, Uber voucher so that people book cab and get hooked to it.
Golfing lesson is free, but normal game require's money for clubs and balls and caddy, etc. Plus the food sold there is also chargeable.

The only place RuPay would lose money is lounge access, but that's a small cost to bear if they want to expand internationally. Amex was very reserved in their issuance which caused the acceptance rate to drop across countries, same is for Diners Club International. Heck some people don't even know there are other networks than MasterCard, RuPay and Visa.

It would also make sense, if you look in brochure of charges levied on banks for benefits, the more cards are issued more is discount a bank can get on those the charges.

From an International perspective, Imagine as a country having millions of people wanting to spend money on your merchandise. RuPay has a lot to gain form aqcuring customers.

Plus the payment network infrastructure is probably very similar if nor same for UPI, RuPay DC and CC and IMPS. This is a very wild guess though.
 
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