Bank of India Rupay Select Debit Card – Benefits, Fees & Eligibility

Introduction

The Rupay Select Debit Card is issued by the bank and is available to all Savings Bank and Current account holders. It is a contactless card designed for both domestic and international usage, though international e-commerce transactions are not permitted. Top differentiating benefits include complimentary wellness and lifestyle perks such as a spa session, gym membership, golf lesson, and a health check-up package each year, along with Personal Accident and Total Permanent Disability Cover up to INR 10 lacs provided by NPCI at no extra cost.

Welcome Benefits

• One complimentary SPA session in a year and 40-50% discount on additional sessions throughout the year.
• 1 month free gym membership and 40-50% discounted price on extension of membership.
• One complimentary Golf lesson in a year and discounted access from the 2nd visit onwards.
• One complimentary Health check-up package in a year and discounted Health Check-up facility post utilization of the complimentary offer.
• Digital access to curated workout and fitness sessions.
• Digital access to meditation videos and live sessions.

Transaction Limits & Usage

• Domestic and International Usage: The card can be used for domestic and international transactions, but international e-commerce transactions are not allowed.
• Contactless Transactions: No PIN is required for contactless transactions up to Rs. 5,000/-. A PIN is mandatory for all contactless transactions above Rs. 5,000/-. A maximum of three contactless transactions are allowed per day.
• Daily ATM Withdrawal Limit: Rs. 50,000 (Domestic and International).
• Daily POS and E-commerce Limit (Domestic): Rs. 2,00,000.
• Daily POS Limit (International): Rs. 2,00,000.

Fees and Charges

• For a detailed schedule of charges, refer to the bank's official document (Annexure-VII-DigitalBankingProduts.pdf).

Rewards & Offers

• Reward Points: Cardholders will get rewarded with Star Points for their transactions at POS and e-commerce.
• Domestic Airport Lounge Access: One complimentary domestic airport lounge visit per quarter is available. To avail this, the cardholder must have made purchase transactions totaling a minimum of Rs. 5,000/- (only POS and E-commerce transactions) during the previous quarter. The spend period is counted from the 1st day of the first month to the last day of the third month within the same quarter, and lounge access is available in the subsequent quarter.
• Railway Lounge Access: Access is available at select locations from 1st December 2025.
  • IRCTC Executive Lounge, Jaipur
  • Executive Lounge, Kolkata
  • IRCTC Executive Lounge, New Delhi
  • Executive Lounge by Hotel Pradeep, Varanasi
  • Inej Executive Lounge, Chennai
  • Executive Lounge Margaon, Goa

Account & Eligibility Criteria

• The card is available to all Savings Bank (SB) and Current account holders.

Important Product Details

• Insurance Cover: Personal Accident and Total Permanent Disability Cover up to INR 10 lacs is provided by NPCI as a benefit to the cardholder at no extra cost or insurance premium.
• RuPay Select Portal: Cardholders must complete a one-time registration on the RuPay Select Portal to view all complimentary and discounted features/offers.
• Contactless Feature: The card supports contactless payments with specific limits and PIN requirements.