Detailed Review: RuPay Select Debit Card

RuPay Select Debit Card

  • Features & Rewards
  • Offers Availability
  • Card’s Acceptance
  • Customer Care & Issue Resolution


With its wide acceptance, contactless technology, attractive rewards, and added benefits like lounge access and personal accident insurance, this card is a smart choice for domestic and international transactions. Whether you’re a frequent traveller or seeking seamless everyday spending, the RuPay Select Debit Card covers you. Elevate your financial journey with the RuPay Select Debit Card today.


Welcome to our concise introduction to the RuPay Select Debit Card for the year 2023!

In this blog article, we explore the key features and benefits of this popular payment solution offered by RuPay.

Discover how this debit card can elevate your financial experience with its contactless technology, attractive rewards, and much more.

Let’s dive into convenience and rewards with the RuPay Select Debit Card 2023.

Image of RuPay Select Debit Card

What is the RuPay Select Debit Card?

RuPay Select Debit Card

The RuPay Select Debit Card is an exclusive offering from the National Payments Corporation of India (NPCI), designed to cater to the diverse financial needs of individuals. It has enhanced features and benefits, making it a preferred choice for domestic and international transactions.

Key Features of RuPay Select Debit Card

RuPay Select Debit Card

  • Complimentary Luxury Spa session( Once a year)
  • Complimentary Airport Lounge Access( 8 visits in a year)
  • Complimentary Comprehensive Health Checkup( Once a year)
  • Complimentary Gym membership for a specific period( Once a year)
  • Complimentary OTT platform membership
  • Complimentary Golf games/lessons every year

Which Banks offer RuPay Select Debit Card?

Almost all the PSU banks offer this debit card. The list of those banks is as follows:

Bank Name that Offers RuPay Select Debit Card
Bank of Baroda
Bank of India
UCO Bank
Canara Bank
Central Bank of India
Indian Bank
Punjab National Bank
Indian Overseas Bank
Jana Small Finance Bank
Union Bank of India
Tamil Nadu Mercantile Bank

Eligibility Criteria

The RuPay Select Debit Card’s eligibility criteria may vary from bank to bank. Typically, you need a savings account with a partner bank and meet specific income requirements.

  • You should be an Indian citizen.
  • You have to be in between 18 and 65 years of age.

Documents Required

  • Identity proof: Aadhar card, PAN card, Voter card slip, driving license.
  • Address proof: Ration card, water bill, gas connection bill, electric bill.
  • Income proof: Form 16 or last 2 months’ payslip.

Fees & Charges

Bank NameJoining FeeRenewal Fee
Bank of BarodaRs 500 + GSTRs 500 + GST
Bank of IndiaRs 800 + GSTRs 800 + GST
UCO BankRs 1000 + GSTRs 750 + GST
Canara BankRs 1000 + GSTRs 1000 + GST
Central Bank of IndiaRs 950 + GSTRs 950 + GST
Indian BankRs 1000 + GSTRs 1000 + GST
Punjab National BankRs 500 + GSTRs 500 + GST
Indian Overseas BankRs 800 + GSTRs 800 + GST
Jana Small Finance BankRs 749 + GSTRs 1249 + GST
Union Bank of IndiaRs 400 + GSTRs 400 + GST
Tamil Nadu Mercantile BankRs 1000 + GSTRs 1000 + GST

Features of RuPay Select Debit Card

Holistic Spa Services

You can pamper yourselves by indulging in holistic spa therapy/sessions at luxury spa centres.

This premium Rupay Debit card offers you multiple choices to choose from the best & authentic spa centres in India.

Complimentary Offer

  • Four Fountains De-Stress Spa – 60 Minutes Swedish Body Massage
  • AromaThai Day Spa – 60 Min Traditional Thai Body Dry Massage
  • Kairali Ayurvedic Centre – 50 Min Abhyangam 2-Hand Massage
  • O2 Spa – Spa Treatment Coupon
  • Lakme Salon – Beauty Care Services E-Gift Card

Select any one spa session as a complimentary offer( per person, per calendar year)

Health Check-ups

This debit card offers a comprehensive preventive health checkup.

You can either visit the well-equipped wellness centre or have the tests done from the comfort of your home.

Complimentary Offer

  • SRL Diagnostics(Healthcare Test Package): Included test – CBC ESR, GLYCO Hb (HBA1c), FBS, PPBS, Serum Uric Acid

Select any one health checkup package as a complimentary offer( per person, per calendar year)

Gym Membership

You can enjoy exclusive gym access for your well-being.

This access is available on the premium gym chains for a specific period and a discount rate.

Complimentary Offer

  • : 3 Months Live Subscription
  • : 1 Month Elite Pass Subscription

Select any one gym membership as a complimentary offer( per person, per calendar year)

OTT subscription

You can enjoy the best of originals, blockbuster movies, add free music and unlimited video streaming.

Again, this card has collaborated with the premium brands in this category.

Complimentary Offer

  • Prime Video: 12 Months Annual Subscription
  • Hotstar: 12 Months Premium Subscription
  • Sony Liv Premium: 6 Months Subscription

Select any one OTT Subscription as a complimentary offer( per person, per calendar year)

Airport Lounge Access

This debit card is good for you regarding complimentary airport lounge access.

All the major cities in India are covered under this offer.

Complimentary Offer

  • Domestic Airport Lounges: 8 free visits in a year( max 2 visits per quarter)
  • International Airport Lounges: It is available. Check with the bank for more details.

There are few things to consider when you want to use this offer:

  • Unutilized access will lapse at the end of the quarter and cannot be carried to the next quarter.
  • If a Card Holder accesses the airport lounge beyond 2 times, they will be charged as per the regular access rates prescribed by the lounge.
  • Card Holder/s is/are advised to check the services and facilities covered under the RuPay airport lounge access program at the lounge.
  • An authorization for an amount (Rs. 2) will be taken on the card for validation purposes only. It will be charged to Card Holder’s account. The authorization amount is nonrefundable.
  • The program can be modified, amended, changed or revoked by NPCI without prior intimation.
  • Access to the airport lounge will be available on a first-come-first-served basis.
  • Complimentary access is limited to the cardholder.
  • Complimentary access cannot be transferred or encashed.

Insurance Coverage

The debit card takes care of you and your loved ones if there are any unfortunate events.

You can avail an Accidental Death Insurance and Permanent Disability Cover up to Rs 10 Lakhs.


The RuPay Select Debit Card presents an array of advantages that make it a compelling choice for users seeking a convenient and rewarding payment option.

With its wide acceptance, contactless payment technology, and the ability to earn reward points on every transaction, cardholders can experience seamless and rewarding spending experiences both in India and abroad.

Please read the other posts:


How does the RuPay Select Debit Card differ from other RuPay cards?

The RuPay Select Debit Card is a premium variant with added benefits like lounge access, reward points, and more, making it distinct from standard RuPay cards.

What benefits does the RuPay Select Debit Card offer for travellers?

The card provides complimentary lounge access at select airports, making travel more comfortable and enjoyable for cardholders.

Can I earn reward points with the RuPay Select Debit Card?

Yes, you can earn reward points on various transactions using the card, which can be redeemed for discounts, offers, or cashback.

Is the RuPay Select Debit Card accepted internationally?

The card is accepted internationally at numerous merchants and ATMs, allowing you to use it during your travels.

Does the card offer any insurance coverage?

The RuPay Select Debit Card comes with personal accident insurance coverage, providing financial protection in case of unforeseen accidents.

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