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Sahil_07

Sahil_07

TF Ace
Those who are using RBL Signature+ debit card, how is your experience? Is wallet reload and cc payment counted in the offer? If yes, I think one can easily achieve milestone benefits of 5 lakh spending. Please share your experience.
 
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Sahil_07 said:
Those who are using RBL Signature+ debit card, how is your experience? Is wallet reload and cc payment counted in the offer? If yes, I think one can easily achieve milestone benefits of 5 lakh spending. Please share your experience.
Click to expand...

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).
 
Abhishek012 said:

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).
Click to expand...
mobikiwik excluded? They have started upi payments from wallet recently. One more question, I already have hdfc milenia debit card,so I am adding 40k in amazon wallet every month. If I get this rbl card, I will have to add another 30-40k in other wallet. Is it safe to add over 80k in a month and self transfer? any chances of Income Tax department sending notice?
 
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Sahil_07 said:
mobikiwik excluded? They have started upi payments from wallet recently. One more question, I already have hdfc milenia debit card,so I am adding 40k in amazon wallet every month. If I get this rbl card, I will have to add another 30-40k in other wallet. Is it safe to add over 80k in a month and self transfer? any chances of Income Tax department sending notice?
Click to expand...
Amazon allowed monthly 5 lakhs load (first use 1 lakh and then load again) but i think Wallet UPI limit is 1 lakhs monthly or maybe 2 lakhs.

Yes, mobikwik wallet load also good.

Self transfer is not taxable. Use your own aadhaar link banks and wallet.
 
Abhishek012 said:
Amazon allowed monthly 5 lakhs load (first use 1 lakh and then load again) but i think Wallet UPI limit is 1 lakhs monthly or maybe 2 lakhs.

Yes, mobikwik wallet load also good.

Self transfer is not taxable. Use your own aadhaar link banks and wallet.
Click to expand...
okay thanks. I will apply then.. Are you using the card rn?
 
Abhishek012 said:

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).
Click to expand...
Lal main likha karo impact kuch zaada hai iska 🤭
 
Abhishek012 said:

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).
Click to expand...
Amazon pay or Amazon shopping vouchers?
 
it been more that 6 months Payzapp app stopped rbl sig+ as far as i know,
since last week CheQ app is also stating card not supported for sig+.
park+ daily limt is 30k with out charges, but payment credits after 72 working hour only.
 
viswanath.t said:
it been more that 6 months Payzapp app stopped rbl sig+ as far as i know,
since last week CheQ app is also stating card not supported for sig+.
park+ daily limt is 30k with out charges, but payment credits after 72 working hour only.
Click to expand...
just paid a bill via sig+ yesterday on payzapp.
 
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