https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9544131
Union Bank of India RuPay Select Debit Card - How to get?
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I'm looking to get the cheapest possible RuPay Select debit card since my Amazon Prime membership has expired and I need it as soon as possible.
I was earlier looking to get PNB RuPay Select debit card but when I found that w.e.f. 5th June, 2023, annual charges has been increase from Rs. 500 + 18% GST to Rs. 750 + 18% GST, I'm not chasing it anymore.
Next option available for me is, change my Bank of Baroda Advantage Savings Account (Rs. 2k MAB) to Super Savings Account (Rs. 20k MAB) or Professional Savings Account (Rs. 25k MAB) and avail RuPay Select debit card as FYF and from second year onwards for Rs. 500 + 18% GST.
Another one is, opening a savings account with Union Bank of India which currently offers RuPay Select DC at lowest possible price for annual charge of Rs. 400 + 18% GST. My query is, which savings account variant should be opened to get the DC as from the following link, I can see only high MAB requirement account variants (Rs. 1 lac or more) show RuPay Select DC is available. Someone who has any experience with this, can throw some light on this please?
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https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9544161
Union Bank has updated its systems and only High Variant accounts are given option to get Higher variant Cards, ex: normal accounts get only Classic cards, and 15K accounts get Platinum cards option in their system(Personalised cards which cime with ur name on card).
If you can get instant cards(no name), you can take for any account.
So you may need to find a branch which has instant cards of Select variant and get it attached to ur account.
PS: Saying this from my experience, but may vary with others.
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9544450
wackophant wrote:by instant cards, you mean to say 'insta kit' which doesn't have name on the debit card printed and is given right away at the time of opening an account, right?Union Bank has updated its systems and only High Variant accounts are given option to get Higher variant Cards, ex: normal accounts get only Classic cards, and 15K accounts get Platinum cards option in their system(Personalised cards which cime with ur name on card).
If you can get instant cards(no name), you can take for any account.
So you may need to find a branch which has instant cards of Select variant and get it attached to ur account.
PS: Saying this from my experience, but may vary with others.
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9545194
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sahil1033 wrote:
by instant cards, you mean to say 'insta kit' which doesn't have name on the debit card printed and is given right away at the time of opening an account, right?
Some bank branches have non-personalized means non active debit card, which they issue and attach to your account hand to hand on your visit to branch
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9545290
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sahil1033 wrote:
by instant cards, you mean to say 'insta kit' which doesn't have name on the debit card printed and is given right away at the time of opening an account, right?
Yes, instant kit with a debit card which has some "Account Holder" or some random number written in place of your name.
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9545446
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also, one more question, in case there's insta kit available, they can issue RuPay Select DC with 1k MAB account, right? I guess the code is SBGEN for that account.
wackophant wrote:okay, will try visiting 2-3 branches max. and if things don't work out, will go to Bank of Baroda and change account type to Super Savings Account or Professional Savings Account to get RuPay Select DC.Yes, instant kit with a debit card which has some "Account Holder" or some random number written in place of your name.
also, one more question, in case there's insta kit available, they can issue RuPay Select DC with 1k MAB account, right? I guess the code is SBGEN for that account.
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9545456
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sahil1033 wrote:
okay, will try visiting 2-3 branches max. and if things don't work out, will go to Bank of Baroda and change account type to Super Savings Account or Professional Savings Account to get RuPay Select DC.
also, one more question, in case there's insta kit available, they can issue RuPay Select DC with 1k MAB account, right? I guess the code is SBGEN for that account.
I recently opened an SB account of 1K MAB and got a generic Visa DC instead of Rupay DC.
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9545467
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satraghav wrote:correct, that's the normal process to issue Visa Classic DC for SBGEN (Rs. 1k MAB) account but I'll try to ask for availability of insta kit having RuPay Select DC beforehand opening the savings account, else I won't even open it.I recently opened an SB account of 1K MAB and got a generic Visa DC instead of Rupay DC.
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9545475
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sahil1033 wrote:
okay, will try visiting 2-3 branches max. and if things don't work out, will go to Bank of Baroda and change account type to Super Savings Account or Professional Savings Account to get RuPay Select DC.
also, one more question, in case there's insta kit available, they can issue RuPay Select DC with 1k MAB account, right? I guess the code is SBGEN for that account.
As far as I know and heard from an employee that it should be done..
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9545491
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wackophant wrote:only if insta kit having RuPay Select DC is available, right?As far as I know and heard from an employee that it should be done..
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9545494
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sahil1033 wrote:Actually I was told that the DC is Rupay variant but later when I opened and saw the DC was in Visa
correct, that's the normal process to issue Visa Classic DC for SBGEN (Rs. 1k MAB) account but I'll try to ask for availability of insta kit having RuPay Select DC beforehand opening the savings account, else I won't even open it.
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9545500
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satraghav wrote:
Actually I was told that the DC is Rupay variant but later when I opened and saw the DC was in Visa
you should've opened the kit right there in front of the bank official who said this and threatened to close the account since there's no closure charges involved if account is closed within 14 days of opening for most of the banks
my thumb rule with bank people now is, I'm more knowledgeable than them at any given point of time and for that very reason I always do my homework before reaching out to them 😬
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9545502
BTW how to get an Amazon Prime subscription from Rupay Select DC? @sahil1033 @wackophant
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9545535
satraghav wrote:from here : https://www.rupay.co.in/select-b...ngBTW how to get an Amazon Prime subscription from Rupay Select DC? @sahil1033 @wackophant
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9545544
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9546054
skyrules333986 wrote:
Can you share link of this pdf?
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9546175
Any advantages of Baroda Super Savings Account? Apart from rupay debit card?
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9547622
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9547748
skyrules333986 wrote:thanks a lot for this clarity and it seems like you work at the bank ... can you please clarify a thing for me?
given the fact that you've shared this list, is there any possibility to get RuPay Select DC with SBGEN account type? any way or trick?
even if insta kit is available, then also it can't be issued against SBGEN account?
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9547749
deathheater wrote:the only advantage I see is, account opening online and FREE RuPay Platinum virtual debit cardAny advantages of Baroda Super Savings Account? Apart from rupay debit card?
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9547870
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9548121
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For a mere 2k MAB, you get a FREE virtual RuPay Platinum DC, online account opening and no other charges like SMS charges, what more can you ask for?
PNB used to offer RuPay Platinum & Select DC at one of the lowest fee but now even they've increased the fee, check here : https://www.desidime.com/discussions/pnb-hikes-...
deathheater wrote:in current situation where public sector banks are also imposing restrictions such as restricting RuPay Platinum / Select debit cards for high MAB/QAB requirement account variants along with increasing fee for their DCs, I believe Bank of Baroda Advantage Savings Account still comes out as much much better account.Haha.. Doesnt seem like many benefits then.
For a mere 2k MAB, you get a FREE virtual RuPay Platinum DC, online account opening and no other charges like SMS charges, what more can you ask for?
PNB used to offer RuPay Platinum & Select DC at one of the lowest fee but now even they've increased the fee, check here : https://www.desidime.com/discussions/pnb-hikes-...
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9549054
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sahil1033 wrote:
given the fact that you've shared this list, is there any possibility to get RuPay Select DC with SBGEN account type? any way or trick?
even if insta kit is available, then also it can't be issued against SBGEN account?
System level check has been introduced now, cards can only be issued against schemes as mentioned. If you only want select benefits, open and fund HNI account, get select card, close account within 14 days without any charges.
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9549120
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sahil1033 wrote:
in current situation where public sector banks are also imposing restrictions such as restricting RuPay Platinum / Select debit cards for high MAB/QAB requirement account variants along with increasing fee for their DCs, I believe Bank of Baroda Advantage Savings Account still comes out as much much better account.
For a mere 2k MAB, you get a FREE virtual RuPay Platinum DC, online account opening and no other charges like SMS charges, what more can you ask for?
PNB used to offer RuPay Platinum & Select DC at one of the lowest fee but now even they've increased the fee, check here : https://www.desidime.com/discussions/pnb-hikes-...
No no, their normal savings account is decent. I thought you were talking about Baroda Super Savings Account where the minimum balance is 20k.
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9549469
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skyrules333986 wrote:hmm ... nice suggestion but too much drama involved, so, I'll knock Bank of Baroda's door for RuPay Select debit card by upgrading account variant from Advantage Savings Account (2k MAB) to Super Savings Account (20k MAB) / Professional Savings Account (25k MAB)System level check has been introduced now, cards can only be issued against schemes as mentioned. If you only want select benefits, open and fund HNI account, get select card, close account within 14 days without any charges.
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9549482
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Union Bank of India does offer the lowest fee RuPay Select DC but needs at least 1 lac QAB and after that the lowest fee RuPay Select DC is currently offered by Bank of Baroda only 😬
deathheater wrote:if it's matter of getting the lowest fee RuPay Select debit card along with lowest MAB/QAB eligibility, then BoB Super Savings Account seems to be the best option at the moment.No no, their normal savings account is decent. I thought you were talking about Baroda Super Savings Account where the minimum balance is 20k.
Union Bank of India does offer the lowest fee RuPay Select DC but needs at least 1 lac QAB and after that the lowest fee RuPay Select DC is currently offered by Bank of Baroda only 😬
https://www.desidime.com/discussions/union-bank-of-india-rupay-select-debit-card-how-to-get?page=1#post_9549777
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sahil1033 wrote:
if it's matter of getting the lowest fee RuPay Select debit card along with lowest MAB/QAB eligibility, then BoB Super Savings Account seems to be the best option at the moment.
Union Bank of India does offer the lowest fee RuPay Select DC but needs at least 1 lac QAB and after that the lowest fee RuPay Select DC is currently offered by Bank of Baroda only 😬
Yes. Agreed.
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