RuPay Select Debit Card Benefits — Rupay Select Debit Card Issuing Bank & Charges
RuPay Select debit cards offer some amazing features that are hard to ignore. They come with free health check-ups, complimentary lounge access, OTT subscriptions, and much more — all at a very nominal annual fee.
These cards are available at a reasonable cost from almost all public sector banks (PSUs), and users can easily recover the annual fee just by availing a few of the included benefits.
Not to forget, most of the benefits offered by RuPay Select debit cards are practical and relevant to daily life — making them genuinely useful for most people.
In short, realistic benefits at a very reasonable price.
RuPay Select Debit Card Benefits
1. Spa Services (Quarterly)
RuPay Select cardholders can indulge in rejuvenating spa therapies at luxury wellness centers across India. From relaxing Swedish massages to authentic Ayurvedic treatments, cardholders may choose a session based on personal preference.
Complimentary Options (any one per quarter):
- Four Fountains De-Stress Spa – 60-minute Swedish Body Massage
- AromaThai Day Spa – 60-minute Traditional Thai Dry Massage
- Kairali Ayurvedic Centre – 50-minute Abhyangam (2-hand Ayurvedic massage)
- O2 Spa – Spa treatment voucher worth Rs. 1500
- Lakmé Salon – Beauty care services E-Gift Card worth Rs. 1500
- HR Wellness Spa – 60-minute Swedish Massage
2. Health Check-up (Quarterly)
Cardholders can avail of complimentary health check-up packages from reputed diagnostic service providers either from home or at their nearest wellness center.
Complimentary Options (any one per quarter):
- Thyrocare Aarogyam Basic 2 Package – Includes 79 tests such as:
- COMPLETE URINE ANALYSIS [24]
- DIABETES [1]
- COMPLETE HEMOGRAM [24]
- IRON DEFICIENCY [3]
- RENAL [5]
- LIPID [8]
- LIVER [11]
- THYROID [3]
- SRL Diagnostics Health Check Package – Includes:
- CBC ESR
- GLUCOSE, FASTING
- GLYCOSYLATED HEMOGLOBIN
- LIPID PROFILE
- CREATININE
- URIC ACID
- ALANINE AMINOTRANSFERASE (ALT/SGPT)
- BILIRUBIN, TOTAL
3. Gym Access (Quarterly)
RuPay Select offers access to top fitness chains in India with special gym packages.
Complimentary Options (any one per quarter):
- Cult.fit – 3-month Cure.fit Live Subscription
- Cult.fit – 1-month Elite Pass Subscription
4. Golf Program (Quarterly)
Cardholders can enjoy playing golf at some of India’s top-rated golf courses. Reservations must be made in advance through the RuPay website or RuPay Select Concierge.
Complimentary Options (any one per quarter):
- Golf Course Access – Inclusive of green fees
- Golf Lessons – Includes professional instructor charges and required equipment
5. OTT Subscriptions (Annual)
RuPay Select provides annual access to leading OTT platforms for seamless entertainment on personal devices.
Complimentary Options (choose one annually):
- Sony LIV Premium – 12 months
- Amazon Prime Video (Amazon Prime Subscription) – 12 months
- Disney+ Hotstar – 1 year
6. Ola/Uber Vouchers (Quarterly)
Cardholders can receive quarterly travel vouchers to be used on ride-hailing platforms.
Complimentary Options (any one per quarter):
- Ola Gift Card – ₹100
- Uber Gift Card – ₹100
Redemption Process
To redeem the above services:
- Select the benefit you wish to avail.
- Click on "Redeem" and pay ₹1 for card authentication.
- You will receive a confirmation email with the Booking ID instantly and you will receive a Coupon Code for the service within 24-48 hours to your registered email ID.
- To redeem the service, follow the instructions provided in the confirmation email sent to your registered email ID. Generally they ask you to contact the service provider directly, give them the coupon code and book your service in advance.
- Note: The coupon code is valid for 30 days from the issue date and is redeemable only for the selected service.
- The coupon code/benefit will expire if unused within the validity period.
- The expired coupon cannot be extended, exchanged and is deemed to be utilized.
RuPay Select Debit Card Issuing Banks & Charges
RuPay Select Debit Cards are issued by a variety of Indian banks, predominantly Public Sector Banks (PSBs). The annual fee for these cards varies depending on the issuing bank, but it is generally nominal. Most cardholders can easily recover the fee by availing even a subset of the bundled benefits such as complimentary lounge access, health check-ups, spa sessions, and OTT subscriptions.
However, not all RuPay Select Debit Cards are eligible for every listed benefit. Eligibility depends on the issuing bank and the specific card variant issued.
Below is a list of participating banks along with their respective RuPay Select Debit Card variants and charges:
| Bank Name | RuPay Select Debit Card Name | Charges (Excluding GST) |
|---|---|---|
| Bank Of Baroda | RuPay Select Debit Card | ₹500 |
| Bank Of India | RuPay Select Debit Card | ₹800 |
| Bank of Maharashtra | RuPay Select Debit Card | ₹600 |
| Canara Bank | RuPay Select Debit Card | ₹1000 |
| Central Bank Of India | RuPay Select Wellness Card | ₹950 |
| City Union Bank | RuPay Select Debit Card | ₹250 (Unverified) |
| Indian Bank | RuPay Select Debit Card | ₹1000 |
| Indian Overseas Bank | RuPay Select NCMC Debit Card | ₹800 |
| Jana Small Finance Bank | RuPay Select Debit Card | ₹499 |
| Karnataka Bank | KBL MoneyPlant NCMC RuPay Select Debit Card | Free with Money Ruby (1L) & Money
Platinum (3L) maintenance SB Account |
| Punjab National Bank | RuPay Select Neo | ₹500 |
| State Bank Of India | RuPay Select Debit Card | Free with Wealth & Rhodium accounts |
| Suryoday Small Finance Bank | RuPay Select Debit Card | Free with Espire Savings Account (7.5L) maintenance |
| Tamilnad Mercantile Bank | RuPay Select Debit Card | ₹1000 |
| UCO Bank | RuPay Select Debit Card | Issuance Fees: ₹1000 & Annual Fees: ₹900 |
| Ujjivan Small Finance Bank | RuPay Select Debit Card | Free with MAXIMA savings account (1L) maintenance |
| Union Bank Of India | RuPay Select Debit Card | ₹400 |
| Utkarsh Small Finance Bank | RuPay Select Debit Card | ₹1000 |