Jana Bank Exclusive Savings Account Review : FREE Rupay Select Card And More!

Step into a realm where your financial aspirations are not just met but surpassed with the utmost sophistication. Introducing Exclusive, a savings account that elevates your banking experience with a suite of bespoke services that truly redefine exclusivity.

Account Maintenance & Balance Requirements

• Minimum Initial Deposit: ₹3,00,000

• AMB Requirement: ₹3,00,000

• TRV Requirement: ₹25,00,000

• AMB Non-Maintenance Charge: NIL

Access Exclusive Privileges

• Zero Fee Banking: No hidden charges – enjoy banking with peace of mind.

• Dedicated Relationship Manager: Your personal banking guide ensuring tailored solutions for your needs.

• Premium Debit Card: Choose a card that aligns with your astrological sign because your uniqueness deserves recognition.

• Unmatched Rewards: Earn rewards that match your elite lifestyle on your spends.

• Family Banking Facility: Extend the exclusivity to your loved ones with linked accounts.

• Doorstep Banking: Experience the convenience of banking at your doorstep – because your time is precious.

Exclusive Benefits Redefined

1. Complimentary Taj Experience Gift Card: ₹10,000 Taj Gift Voucher upon meeting eligibility criteria.

2. Choose Your Own Account Number.

3. Choose Your Own Zodiac Sign Debit Card.

4. Fee Locker Service.

5. Curated Investment Solution.

6. Preferential Rates on Loan and Forex.

7. Exclusive Invites for Events.

8. Reduced Forex Markup Fee.

Eligibility Criteria for Taj Gift Card

1. Maintain Exclusive Program criteria for 3 consecutive months:

   • Either AMB: ₹3,00,000 or TRV: ₹25,00,000.

2. First-time enrollment in the Exclusive Program.

3. Cumulative debit card spends: ₹20,000+ per month (ECOM/POS).

Exclusive Debit Card – Features & Benefits (Rupay Select)

• Gym Access: 1 free 30-day gym membership per quarter.

• Spa/Salon: 1 free spa or salon session per quarter.

• Health Check-ups: 1 free premium health check-up package per quarter.

• Golf Program: 1 free golf lesson or round per quarter.

• Airport Lounge Access:

  • Domestic: 3 visits/quarter (50+ lounges)

  • International: 3 visits/year (500+ lounges)
    Check for Lounge List Here

• Accidental Insurance: ₹10 lakh Personal Accident & Disability Cover.

• Exclusive Offers: Special merchant discounts & deals.

• 24/7 Concierge Service: Assistance available in Hindi, English & regional languages (Toll-free: 1800-26-78729).

Exclusive Debit Card Spend Reward Points (Rupay Select)

Activity-Based Rewards

Key Notes:

• 1 RP = ₹0.10

• Max monthly cap applies on regular spends.

• Rewards applicable only for eligible POS/ECOM transactions.

• Bank reserves the right to modify/withdraw benefits.

• Points are valid for 18 months.

Exclusive Rewards – Account-Based Activity

Key Notes:

• 1 RP = ₹0.10

• Points are valid for 18 months.

• Max 3 transactions/month for SI, Bill Payment, and SIP/ELSS rewards.

• Eligible only if MB/IB is registered via debit card.

• Bank reserves the right to modify/withdraw benefits.

• Maximum Reward Points per Year: 2,50,000 points.

Excluded Transactions (No Rewards Given)

• Standing Instructions between Family Members.

• Bill Payments via Third-Party BBPS (Only Jana Bank BBPS eligible).

• SIP/ELSS/MF Investments via Third Party (Only via Jana Bank ARN eligible).

• Partial Payments for Bill Payment & Mutual Fund Lumpsum Investment.

• De-registering & Re-registering MB/IB for duplicate rewards.

• Fraudulent Transactions or Suspected Abuse.

Exclusive Savings Account - Schedule of Charges

• Minimum Initial Deposit: ₹3,00,000

• AMB Requirement: ₹3,00,000

• TRV Requirement: ₹25,00,000

• AMB Non-Maintenance Charge: NIL

• Cash Withdrawal: Unlimited (Subject to available balance & TDS under Section 194N)

• Cash Deposit: Unlimited at branches

• Cheque Book: Unlimited free leaves per year

• Debit Card: RuPay Select, free issuance and re-issuance

• ATM Transactions: Unlimited free transactions at Jana Bank ATMs; no charges at other bank ATMs

• ATM Cash Withdrawal Limit: ₹2,50,000/day

• POS/E-Commerce Limit: ₹5,00,000/day

• Card Issuance, AMC, Re-issuance: NIL

• NEFT/RTGS: NIL

• IMPS: NIL

• DD/PO: NIL

• Account Closure: No charges if after 1 year

• SMS Alerts: Free

• Locker Discount: Yes

• Priority Services: Contact Center, Relationship Manager, Loan Pricing, Forex Remittances

Terms & Conditions

• Non-financial Transactions: Balance Enquiry, Mini Statement, PIN Change.

• GST: Charges exclude GST.

• Charges Revision: 30-day notice prior to change.

• Eligibility: For individual customers.

• Locker & Loan Benefits: Available for one customer per group.

• Availability: Benefits are subject to criteria fulfillment and availability.

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This savings account truly redefines the idea of exclusivity. With bespoke debit card options, exclusive event invites, and tailored rewards, it offers an elevated banking experience for those who expect nothing but the best.

Feel free to share your thoughts or drop any questions in the comments below!