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Why RBL Bank Debit Card becoming the new IDFC Bank — for CC bill pay to tax payments, society fee to insurance pay, Govt to NPS etc

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Abhishek012

TF Reserve
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Engaged Contributor
Why is the RBL Bank Debit Card becoming the new IDFC Bank — for everything from credit card bill payments to tax payments, society fees to insurance bills, government payments to NPS, rent to education, FASTag to utilities:

Many people don’t know that the RBL Signature+ Debit Card and the RBL Enterprise Debit Card are both high reward debit cards — and they have almost no restrictions.

I’ll try to explain the information about both debit cards in a very short way.

1) RBL Signature+ Debit card -

Fee Structure​

  • Joining Fee: 5000+GST = 5900/- (but 5000 welcome voucher too)
  • Welcome Benefit: 5000 worth GV
  • Renewal Fee: 1500+GST = 1770/- (but effectively free)
  • Renewal Fee Waiver Criteria: Spend 3L+ in previous year

Please Note: W.e.f May 01, 2024, International transactions and/or transactions carried out on the Merchant Category Codes (MCC – 6012, 6051, 6540, 6211) will be excluded from availing Monthly cashback as voucher/ Annual vouchers.

Benefit -

Use RBL Signature+ debit card. Best debit card ever and get approx 2% Cashback on almost all types of payment 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)

Where to spend ?

Credit Card bill via Ebixcash, Goodscore app, Axis app >> Axis cc bill, more info - https://technofino.in/community/thr...dit-card-bill-payment-in-november-2025.44234/

Tax payment ✔️
Society payment ✔️
Insurance payment ✔️
Utility payment ✔️
NPS payment ✔️
All types of govt spend ✔️
Rent payment ✔️
Education payment ✔️
Fastag payment ✔️

And along with that, you also get 8 airport lounge accesses every year.

One important thing — the cashback is given as a gift voucher, and it works on a monthly calendar cycle.


2) RBL Enterprise Debit card -

Note - If you are a small spender then you will earn 4.02% Cashback to 5% Cashback or if you are a heavy spender then you will earn 1.24% cashback to 1.4% cashback. Read full post carefully to get all information.

Joining Fee - INR 7,500+GST (Get Joining Vouchers INR 8,500)
  • Monthly & Annual Cashbacks on spends
  • 2 Complementary Lounge Access per quarter at Domestic Airports
  • Zero fee /Charges on International Spends in Foreign Currency (POS/Ecom)

Annual fee of INR 2,000 will be charged from 2nd year onwards.

Note — as soon as you get the card, make sure to spend at least ₹25,000 within 90 days so you receive the welcome gift vouchers worth ₹7,500 + ₹1,000 (total ₹8,500).

Monthly Cashback as Vouchers -

Get Monthly Cash Back as vouchers on minimum monthly transactions of INR 20,000 on POS/Online payments on below categories:
  • 1% cash back as vouchers on Fuel (max up to INR 1,500 per month) (petrol/diesel – MCC 5542, 5541, 5172, 5983)
  • 5% cash back as vouchers on Flight booking (max up to INR 500 per month) (travel/flight tickets MCC - 4511, 4722, 3000, 3299)
  • 5% cash back as vouchers on OTT subscription & Telecom (max up to INR 500 per month) (MCC 5968, 4899, Telecom MCC - 4814)
  • 5% cash back as vouchers on utility payments (max up to INR 1,000 per month) (MCC – 4900, 4812 & 4816)
Get Annual vouchers up to INR 9,000 on spends of INR 15 lakhs in a year

*Get vouchers worth INR 2,000 on spends of INR 5 lakhs in a year + Get additional vouchers worth INR 3,000 on spends of INR 10 lakhs in a year + Get additional vouchers worth INR 4,000 on spends of INR 15 lakhs in same year.

Please Note: W.e.f May 01, 2024, International transactions and/or transactions carried out on the Merchant Category Codes (MCC – 6012, 6051, 6540, 6211) will be excluded from availing Monthly cashback as voucher/ Annual vouchers.

Tips and Tricks -

Well look, taking benefit on all MCC codes is difficult but you can easily take the utility benefit every month - 5% upto 1000 per month and the annual milestone benefit.

For utility, every month you can pay credit card bills from here using Ebixcash. Vi app.

Apart from that, you can use the Goodscore app and the Axis app → Axis CC Bill Pay to pay your credit-card bills and get the milestone benefit.

Link here to get full info about credit card bill payment (Must read before apply) – https://technofino.in/community/threads/payzapp-wallet-to-cc-bill-pay-trick-added-which-debit-card-to-use-for-credit-card-bill-payment-in-november-2025.44234/

Besides all this, you can spend in many more places to achieve the annual milestone -

Tax payment ✔️
Society payment ✔️
Insurance payment ✔️
Utility payment ✔️
NPS payment ✔️
All types of govt spend ✔️
Rent payment ✔️
Education payment ✔️
Fastag payment ✔️

And along with that, you also get 8 airport lounge accesses every year.

One important thing — the cashback is given as a gift voucher and it works on a monthly calendar cycle.
 
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Abhishek012 said:
Why is the RBL Bank Debit Card becoming the new IDFC Bank — for everything from credit card bill payments to tax payments, society fees to insurance bills, government payments to NPS, rent to education, FASTag to utilities:

Many people don’t know that the RBL Signature+ Debit Card and the RBL Enterprise Debit Card are both high reward debit cards — and they have almost no restrictions.

I’ll try to explain the information about both debit cards in a very short way.

1) RBL Signature+ Debit card -

Fee Structure​

  • Joining Fee: 5000+GST = 5900/- (but 5000 welcome voucher too)
  • Welcome Benefit: 5000 worth GV
  • Renewal Fee: 1500+GST = 1770/- (but effectively free)
  • Renewal Fee Waiver Criteria: Spend 3L+ in previous year

Please Note: W.e.f May 01, 2024, International transactions and/or transactions carried out on the Merchant Category Codes (MCC – 6012, 6051, 6540, 6211) will be excluded from availing Monthly cashback as voucher/ Annual vouchers.

Benefit -

Use RBL Signature+ debit card. Best debit card ever and get approx 2% Cashback on almost all types of payment 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)

Where to spend ?

Credit Card bill via Ebixcash, Goodscore app, Axis app >> Axis cc bill, more info - https://technofino.in/community/thr...dit-card-bill-payment-in-november-2025.44234/

Tax payment ✔️
Society payment ✔️
Insurance payment ✔️
Utility payment ✔️
NPS payment ✔️
All types of govt spend ✔️
Rent payment ✔️
Education payment ✔️
Fastag payment ✔️

And along with that, you also get 8 airport lounge accesses every year.

One important thing — the cashback is given as a gift voucher, and it works on a monthly calendar cycle.


2) RBL Enterprise Debit card -

Note - If you are a small spender then you will earn 4.02% Cashback to 5% Cashback or if you are a heavy spender then you will earn 1.24% cashback to 1.4% cashback. Read full post carefully to get all information.

Joining Fee - INR 7,500+GST (Get Joining Vouchers INR 8,500)
  • Monthly & Annual Cashbacks on spends
  • 2 Complementary Lounge Access per quarter at Domestic Airports
  • Zero fee /Charges on International Spends in Foreign Currency (POS/Ecom)

Annual fee of INR 2,000 will be charged from 2nd year onwards.

Note — as soon as you get the card, make sure to spend at least ₹25,000 within 90 days so you receive the welcome gift vouchers worth ₹7,500 + ₹1,000 (total ₹8,500).

Monthly Cashback as Vouchers -

Get Monthly Cash Back as vouchers on minimum monthly transactions of INR 20,000 on POS/Online payments on below categories:
  • 1% cash back as vouchers on Fuel (max up to INR 1,500 per month) (petrol/diesel – MCC 5542, 5541, 5172, 5983)
  • 5% cash back as vouchers on Flight booking (max up to INR 500 per month) (travel/flight tickets MCC - 4511, 4722, 3000, 3299)
  • 5% cash back as vouchers on OTT subscription & Telecom (max up to INR 500 per month) (MCC 5968, 4899, Telecom MCC - 4814)
  • 5% cash back as vouchers on utility payments (max up to INR 1,000 per month) (MCC – 4900, 4812 & 4816)
Get Annual vouchers up to INR 9,000 on spends of INR 15 lakhs in a year

*Get vouchers worth INR 2,000 on spends of INR 5 lakhs in a year + Get additional vouchers worth INR 3,000 on spends of INR 10 lakhs in a year + Get additional vouchers worth INR 4,000 on spends of INR 15 lakhs in same year.

Please Note: W.e.f May 01, 2024, International transactions and/or transactions carried out on the Merchant Category Codes (MCC – 6012, 6051, 6540, 6211) will be excluded from availing Monthly cashback as voucher/ Annual vouchers.

Tips and Tricks -

Well look, taking benefit on all MCC codes is difficult but you can easily take the utility benefit every month - 5% upto 1000 per month and the annual milestone benefit.

For utility, every month you can pay credit card bills from here using Ebixcash. Vi app.

Apart from that, you can use the Goodscore app and the Axis app → Axis CC Bill Pay to pay your credit-card bills and get the milestone benefit.

Link here to get full info about credit card bill payment (Must read before apply) – https://technofino.in/community/threads/payzapp-wallet-to-cc-bill-pay-trick-added-which-debit-card-to-use-for-credit-card-bill-payment-in-november-2025.44234/

Besides all this, you can spend in many more places to achieve the annual milestone -

Tax payment ✔️
Society payment ✔️
Insurance payment ✔️
Utility payment ✔️
NPS payment ✔️
All types of govt spend ✔️
Rent payment ✔️
Education payment ✔️
Fastag payment ✔️

And along with that, you also get 8 airport lounge accesses every year.

One important thing — the cashback is given as a gift voucher and it works on a monthly calendar cycle.
Click to expand...
Itne mehnge DC kon leta hai 🤔
₹118 wale RuPay Classic DC hai na..
 
Bart Simpson said:
Ab civic sense kaha hai bhai... spend 15 lakhs to get 9000 voucher 🤔
Click to expand...
I always say one thing: just because you are poor doesn’t mean others are poor too (I’m saying this casually to you).

What I mean is that there are people in India (maybe you too rich) who spend 5 to 10 lakhs a month on their credit cards.

And you’ll find plenty of people who spend 1 to 1.5 lakhs every month on credit cards.

So look, if you’ve spent using a credit card then you’ll obviously have to repay it, right?

So for your personal use, just pay your own credit card bill using your RBL debit card—simple.

And it’s not just about credit cards—there are so many things you have to pay for: tax payment, government payments, rent, education, society maintenance, insurance, NPS and many more things where you don’t even get credit card rewards.

But for those people, these payments are compulsory.

So when you have to do it anyway, do it through the RBI debit card.

I’ve never suggested using someone else’s card or promoting misuse like how some people pay others credit card bills at 0.3% off (I never suggested that).
 
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Adith said:
So now mods have also started to say absolutely insane and nonsensical statements ?

Saying this as someone that doesn't have RBL dc btw. I got no skin in the game.

Btw just to put this in perspective, this is like blaming a whole community cause one or two people are exploiting things to the extreme end thanks to corruption or fraud. Instead of just dealing with those two . Why ? Cause it's easier to blame everyone and destroy something than fix what allows those extreme examples to happen.

Or in your statement, if people have 100 dcs from a single bank, it's a bank side failure. That is more serious. Not this so called " hack ".

I expect more standards from a mod . This is seriously such a letdown.
Click to expand...
Brother that statement was sarcastic, chill :hehe:
 
Adith said:
So now mods have also started to say absolutely insane and nonsensical statements ?

Saying this as someone that doesn't have RBL dc btw. I got no skin in the game.

Btw just to put this in perspective, this is like blaming a whole community cause one or two people are exploiting things to the extreme end thanks to corruption or fraud. Instead of just dealing with those two . Why ? Cause it's easier to blame everyone and destroy something than fix what allows those extreme examples to happen.

Or in your statement, if people have 100 dcs from a single bank, it's a bank side failure. That is more serious. Not this so called " hack ".

I expect more standards from a mod . This is seriously such a letdown.
Click to expand...
Bro he is being sarcastic lol
 
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