Not many people are aware that the RuPay Debit Card comes with a special advantage for customers. RuPay Debit Card provides an accidental insurance cover up to Rs 1 lakh without any charge to the customer, according to the official SBI website. Rupay Debit Card is India's home-grown domestic debit card introduced by National Payment Corporation of India (NPCI). You can use this card at all bank ATMs for withdrawing cash and at most of the PoS machines for making cashless payment for purchases across the country. RuPay Debit Card was dedicated to the nation by the then President of India, Pranab Mukherjee, in May 2014 at a function in Rashtrapati Bhavan. The NCPI had introduced it as "India’s own card payment network"

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RuPay Debit Card is issued free of cost to Jan Dhan Account holders under the Pradhan Mantri Jan-Dhan Yojana (PMJDY) Scheme. 

RuPay Card features

- RuPay Debit Card is accepted at all the ATMs, almost all PoS terminals and e-Commerce merchants in the country. 

- A RuPay Card variant - Kisan Card - has also been issued by Public Sector banks. A variant of Pre-paid RuPay card has also been launched by IRCTC. 

- RuPay Card is also issued by several Cooperative banks and the Regional Rural Banks (RRBs) across the country

Exclusive benefits linked to RuPay Debit Card

According to NCPI, there are several "exclusive" benefits available to RuPay Debit Card users. These include:

1. Welcome Benefits: Exclusive Gift Voucher from Croma worth Rs.500; Discount up to 15% on Apollo Pharmacy Stores

2. RuPay Insurance Program: Insurance Cover up to Rs. 2.0/Rs. 1.0 lakh on RuPay Platinum/RuPay Classic in case of loss of life or permanent disability due to an accident.

3. Lounge Access Program: Complimentary lounge access to over 30+ lounges in India with RuPay Platinum Debit Card.

4. Concierge Services: Assisted services, anytime, anywhere with RuPay Platinum Debit card - For this, call on toll-free number 1800-26-78729 for referral and reservation services. The service is accessible 24x7, 365 days and available in English and Hindi.

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5. Cash Back Offers: Attractive monthly cashback offers on the following: Utility Bill Payments: Cash Back of 5% of total bills paid or up to Rs 50 per month maximum