Devaluation SBI Virtual Debit Card Devaluation (0.25% Reward) - June 2025

[Hemang]

which wallet charges only 0.5%?

Mene kabhi wallet load kara hi nahi hai sbi debit card se bhai

 

[6ix9ine]

Mene kabhi wallet load kara hi nahi hai sbi debit card se bhai

Wallet mai 0 milega

 

[msd07]

How many reward points can be earned in a month on virtual debit can anybody tell plz

u can get 10K which includes bonus
To get 1000 RPs u need to spend 1L per transaction.... so to get 10K RPs u need to spend 9L (9K + 1K milestone benefit)

 

[_ding_ding_ding_]

u can get 10K which includes bonus
To get 1000 RPs u need to spend 1L per transaction.... so to get 10K RPs u need to spend 9L (9K + 1K milestone benefit)

But every transaction can be of at max ₹50,000/- as VDC limits it. So, 9L ÷ 50K = 18 transaction everyday within a month (to get 1K bonus). Previously it was 1K bonus points on 1L spent now they've added it needs to be within a month which is challenging. If the previous would've continued you'll need to spend only 5L for 10K points, 5L gives 5K points and 1K additional for each 1L spent through VDC.

 

[msd07]

But every transaction can be of at max ₹50,000/- as VDC limits it. So, 9L ÷ 50K = 18 transaction everyday within a month (to get 1K bonus). Previously it was 1K bonus points on 1L spent now they've added it needs to be within a month which is challenging. If the previous would've continued you'll need to spend only 5L for 10K points, 5L gives 5K points and 1K additional for each 1L spent through VDC.

both VDC and normal DC are same now... no point in doing transacrions with VDC now...

 

[xross]

Old:

Earn 1000 Reward Points on every 1 lakh spent online or in-store on your Debit Card in the financial year.

New:

Earn 1,000 Bonus Reward Points on PoS and E-comm spends of ₹1 lakh or more in a month. (Spends on MCC-6540 excluded)

So, monthly it is 0.5% only at the spend of 1L.
I was going to pay 7L this month, I can use virtual and physical to get 0.5% up to 2L only.

 

[helloworld]

Old:


New:


So, monthly it is 0.5% only at the spend of 1L.
I was going to pay 7L this month, I can use virtual and physical to get 0.5% up to 2L only.

to pay 7L, u need to pay for 14 straight days 🙂 with VDC.

 

[BhaiyaJi]

I can use virtual and physical to get 0.5% up to 2L only.

Limits are per account. So you will get 1000 for 1L spent only once afaik.

 

[6ix9ine]

Old:


New:


So, monthly it is 0.5% only at the spend of 1L.
I was going to pay 7L this month, I can use virtual and physical to get 0.5% up to 2L only.

You will get only 1000 points even if you spend 7L, terms and conditions have changed and it doesn't matter if you use virtual or physical, both are same now and counted as single DC for reward calculation.

 

[Hemang]

to pay 7L, u need to pay for 14 straight days 🙂 with VDC to get 0.5%.

 

[xross]

Yes, I am paying 50k daily. This time I had gold purchases so bill is high.
I will use my family's SBI cards then, I will have a higher bill again next month from Tax and College fees.

 

[msd07]

Yes, I am paying 50k daily. This time I had gold purchases so bill is high.
I will use my family's SBI cards then, I will have a higher bill again next month from Tax and College fees.

it doesnt matter u pay with vdc or normal dc... both are same now...