Best rewarding debit cards.

[Deleted member 16961]

I know we don’t use debit cards often but just out of curiosity which debit cards are most rewarding in terms of
A. Online spends
B. Offline spends
C. Bill payments (Credit cards, loan repayments etc.) ?

 

[rakhi]

Until and unless you have select/exclusive account.

How to update acc?

 

[Vasuki]

Bro for indusind select mini balance?debit cardcharges?,pls

Yes u can upgrade via branch .
50 k balance for select
If u have legend it becomes zero balance ( trick used by many )

No Debit card fees
U can have 3 dc all have individual rp ..
Capped at 1 k for visa , mastercard
750 rs for visa platinum

 

[Vasuki]

How to update acc?

By visiting branch .
Get it upgraded by good guy ..bxz he / she might be your Rm too .

 

[rakhi]

Yes u can upgrade via branch .
50 k balance for select
If u have legend it becomes zero balance ( trick used by many )

No Debit card fees
U can have 3 dc all have individual rp ..
Capped at 1 k for visa , mastercard
750 rs for visa platinum

What's legend trick bro?

 

[Sahilhenzy]

By visiting branch .
Get it upgraded by good guy ..bxz he / she might be your Rm too .

Mera toh ye log RM assign hi nhi kar rahe. Btw doesn't matter for bolega aloo Lelo piyaz Lelo.

 

[Vasuki]

What's legend trick bro?

If u have legend credit card from induslnd . Linked to select account it becomes zero balance account

 

[Vasuki]

Mera toh ye log RM assign hi nhi kar rahe. Btw doesn't matter for bolega aloo Lelo piyaz Lelo.

True .. mine said FD krlo sir 50k for few hours 🌝 .

 

[rakhi]

Until and unless you have select/exclusive account.

Bro after I upgrade to select account
I can take select visa platinum card 1% upto 1k right?

 

[Vasuki]

Bro after I upgrade to select account
I can take select visa platinum card 1% upto 1k right?

Yes
Get select mastercard(1k )
Then. Visa select (1k
Then visa platinum (750


In order

 

[techt]

Someone please make a wiki post on this.

 

[Vasuki]

Someone please make a wiki post on this.

Do it 😁
I support you 🌝

 

[techt]

Do it 😁
I support you 🌝

Nope , I don't have knowledge on this . May be @VISHESH_BANSAL can do in simple way like

Card	Cashback	Allowed categories	Best thresholds

 

[Vasuki]

Nope , I don't have knowledge on this . May be @VISHESH_BANSAL can do in simple way like

Card	Cashback	Allowed categories	Best thresholds

Maybe in closed ..
Else it would be like
Chilla chilla k sbko schme bta do
All bank account got downgraded ( zero hni ones )

 

[VISHESH_BANSAL]

Nope , I don't have knowledge on this . May be @VISHESH_BANSAL can do in simple way like

Card	Cashback	Allowed categories	Best thresholds

No advantage.

Phir bhi logo ke sawal khtam nhi hoge🤣

Isse achha jaisa chla raha chlne do.

 

[techt]

Phir bhi logo ke sawal khtam nhi hoge🤣

Isse achha jaisa chla raha chlne do.

Applies to our society too.

 

[Deleted member 16961]

RBL Signature+ Debit Card, this is the best debit card ever ever ever ever, You will get 2% cashback on Credit card bill pay or Wallet load and free transfer to bank.​

You will also get 2 Complementary Lounge Access per quarter at Domestic Airports.

Benefit -

Use RBL Signature+ debit card. Best debit card ever and get approx 2% Cashback on Wallet load and Credit card bill repayment too.

Return Ratio: If you max. out the spends, i.e. 1L per month X 12= 12L in a year, you receive:

1. 1000 GV per month X 12 = 12K points
2. 5000 GV per year X 1 = 5K points

Total= 17K on an effective joining fee of (5900-5000)= 900 INR. Renewal fee anyway will be Zero from next year upon spending 3L+ in previous year.

• Return Percentage for 1st year= (17K-900)/12L ~ 1.34%
• Return percentage next year onwards= 17K/12L ~ 1.41%

Best Value: If your spends aren’t that high, hitting 5L in a year is the sweet spot.

In 1st year You get 5K Monthly + 5K Annual benefit = (10K-900)/5L ~ 1.82%

And next year onwards you get (5K + 5K)/5L ~ 2%

If you spend more than 12L in a year, return value goes downwards. As you can see, this card holds good till annual spends of 12L max only (preferably 1L per month spend with minimum 10K in a month to earn cashbacks as GV)

GVs available: Wide range of GVs with multiple price points are available for redemption against both Welcome/ Monthly benefits. Notable ones are Amazon, Flipkart, Croma, Bigbasket etc.

If you want to know where you spend RBL Signature+ debit card -

Paytm app - direct use debit card for cc bill payment

Bajaj app - cc bill payment

Phonepe full kyc wallet - free Wallet load and free transfer to bank

CheQ app - cc bill payment (Pay Rs50,001+ or 90,001+ and get debit card option)

Payzapp app - direct use debit card for cc bill payment

Park+ app - daily 15k/30k cc bill payment limit

Cred app - cc bill payment (pay more than Rs50,001+ or selected user 10,001+ and get debit card option)

Amazon full kyc wallet - load and spend anywhere via Amazon wallet UPI for bank transfer/cc bill payment or merchant transaction via UPI.

Slice wallet - load and spend anywhere via Slice wallet UPI for bank transfer/cc bill payment or merchant transaction via UPI (now monthly only 10k load is free).

How about IDFC FIRST Wealth debit card?

 

[techt]

How about IDFC FIRST Wealth debit card?

It has bazillion exclusions, making it useless.

 

[Vasuki]

It has bazillion exclusions, making it useless.

More complex than breads on Ronaldinho hairs

 

[CyberPsych]

Millenia DC page shows no cashback points on credit card payments, what's the catch?

 

[Vasuki]

Millenia DC page shows no cashback points on credit card payments, what's the catch?

Utility mcc code bhaiya