NKGSB bank RuPay Platinum debit card | Apply Process (Amazon add money offer working)

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Finance Ninja
abhishek012

NKGSB co-op bank RuPay Platinum debit card | Apply Process (Amazon add money offer working):

Special thanks to @equalizer for sharing all the details.

Apply process - Offline only 

MAB required  -Rs500-  Rs 1000 now. (Ref - https://www.nkgsb-bank.com/savings-depos...hp)

SMS charge: Rs11.8 (10+GST) per quarter, can be removed by branch visit request.

Card issuance charges - NO

Card Annual charges -  Rs125+GST Debit card AMC after one year

Physical card image here -

https://cdn0.desidime.com/attachments/photos/790389/medium/IMG-20220722-WA0001.jpg?1658430670

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Deal Cadet Deal Cadet
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@abhishek012

https://cdn0.desidime.com/attachments/photos/790420/original/200.gif?1658432217

Savings Mentor Savings Mentor
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Nice. This is on my "bank road" which has SBI, HDFC, IDFC, IndusInd, BOB, Axis, Canara, UCO, Indian, Federal, Kotak, RBL, Yes, Saraswat, ICICI, PNB, Tamilnad, TJSB and others on the same road 😄😄😄

And BOI, IOB, Central, Karnataka, Cosmos, Union, AU a few metres away lol.

Which card do NKGSB give by default? Type of account? Do they try to force Visa or RuPay classic on you and say Platinum isn't available? Any shortage/availability issues? Card is delivered to home address or branch?

Finance Ninja Finance Ninja
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@equalizer
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Savings Mentor Savings Mentor
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@equalizer

Card is delivered at home address or collected by visiting branch? Card activation at ATM only or online also possible?

Deal Cadet Deal Cadet
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Delivered to home address.. I did not visit NKGSB ATM / Branch.. I did draw 100 from nearby ATM ( not NKGSB ) but I do not know if this step is necessary..

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Savings Mentor Savings Mentor
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My branch said MAB ₹1000 but that's ok. Probably lack of bank employee knowledge. smile 

Deal Cadet Deal Cadet
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@abhishek012 please update MAB as 1000 as per bank website ( SB Reg https://www.nkgsb-bank.com/savings-depos...hp )

I was able to convince my branch that I do not want cheque book, hence MAB 500 was given to me..

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Savings Mentor Savings Mentor
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Got RuPay Platinum with same BIN. Although my NKGSB bank branch is "forcing" me to invest in mutual funds THROUGH them as they have tie up with various MFs. I directly invest online for convenience, why should I invest through them? Any benefit?

Finance Ninja Finance Ninja
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Enjoy
Savings Mentor Savings Mentor
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The physical card still hasn't arrived more than 22 days of opening account (18 working days). Time to fight at the branch. This month's offer wasted. Net banking and app of NKGSB show card number and expiry but not CVV.

Savings Mentor Savings Mentor
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Warning: NKGSB is also taking SMS charges every quarter. ₹12 so ₹48 per year so if we add it to the cost of debit card it's approximately ₹200 including GST.

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