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Eligibility
Accounts can be opened by all those who are eligible to open savings bank accounts.
Quarterly Average Balance (QAB)
Min. Rs. 10,00,000/-
Type of Debit card
Rupay Select/Visa Signature
Debit Card charge
Issue charge – FREE
Annual Maintenance charge - FREE
ATM Access at own ATM
Unlimited FREE
ATM Access at another Bank ATM
ATM Cash Withdrawal Limit
Rs. 100000/- Per day
ATM POS Limit
Rs. 300000/- Per day
Free Personal Accident cover with Account
Death
Rs. 50 Lakhs
PPD & TPD
Upto Rs. 50 Lakhs
Free Personal Accident Insurance with debit card
Rs 2 Lakhs (by Bank) + Rs 10 Lakhs (additional by NPCI with RuPay Select Card).
Free Air Accident Insurance with debit card
Rs 100 Lakhs
Free Hospital Cash (Mediclaim for IPD)
Up to Rs 15000 per annum.
Availability of Comprehensive Insurance Package
UNICARE Policy- 5 different coverages to choose to choose the combination as per needs.
Charge to be borne by customer.
SMS Charges
FREE
Personalized Cheque Leaves
FREE up to 100 leaves a year.
NEFT/ RTGS/ IMPS/ Demand Draft
Add on Debit card to Spouse (If joint account with spouse)
Available (Rupay Select/Visa Signature)
Add on Debit Card charge
Annual Maintenance charge – FREE
Free Doorstep banking
Once in a month
Locker Rent
75% concession on 1st year Locker rent.
Concession in interest rate on retail loans
Up to 10 basis points concession.
Concession in Processing charges on retail loans
Up to 100% concession
Cash Handling Charges
Free
DEMAT Account Charges
Nil opening charges
Nil first year AMC
Forex Transaction rates
Availability of Superfine rates: up to 5 paisa better rate on card rate for forex transactions.
Relationship Manager
Available
Type of Credit Card
Rupay Select/Visa Signature (subject to eligibility)
Credit Card Charges
Joining fees/1st year AMC free of cost on Rupay Select Card
Joint Account facility
Penalty on Non-Maintenance of QAB
Rs. 2000 + GST (per quarter), If QAB is below 10.00 Lac.
Account Closure Charges
Nil
Benefits with Rupay Select Debit Card
Rupay Lounge Programme
FREE access to card holder 2 times per calendar quarter, at any of the 20+ participating Domestic Airport lounges.
FREE access to card holder 2 times per calendar year, at any of the 500+ participating International Airport lounges.
Gym
15 days/1month free gym membership. 40-50% discounted price on extension of membership.
GOLF
1 Complimentary Golf Lesson / round in a year. Discounted access from 2nd visit onwards.
SPA services
1 Complimentary SPA session in a year. 40-50% discount on additional sessions throughout the year.
Health Check Up
1 Complimentary premium health check-up package in a year. Discounted Health Check-up facility post utilization of complimentary offer.
Concierge Services
Personal assistance anytime anywhere 24x7 is available in Hindi and English languages.
Reward points /Cash
One point for every Rs.100/- POS/E-com transaction. Value of each point is Rs.0.25/-.
Exclusive merchant offers
Exclusive offers from selected partner merchants.
Benefits with Visa Signature Debit Card:
Acceptance
Globally accepted Visa Signature card
Domestic Airport Lounge Program
4 Reward Points for every Spend of Rs 100
Merchant offers
Exclusive offers from selected Partner Merchants from time to time
Additional Covers/Add-on covers with all cards: -
Children Education
Children Education bonus is paid subject to 5% of the sum insured or an actual expense subject to a maximum of Rs. 15,000/-
Ambulance charges
Up to Rs 1000/-
Transportation of mortal remains
Transportation of insured person’s dead body to the place of residence are paid as per actual expenses subject to maximum of Rs. 2,500/-
*Terms & Conditions applied. Features offered by Rupay Select and Visa Signature Debit card are subject to change.