• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

Bank of India: Better Rewards on All Debit cards (0.46%)

Apply For Lifetime Free IDFC First Credit Card
desiviru said:
Keep/Open BoI acc. DC charges will be 250+45 GST = 295. Till June, 2024 there were no charges of Classic RuPay card but now it is chargeable. Now they have min. 295 for DC except Yuva accounts which is for 18-28 age and has 118 as DC charges.

But better go with SBI and have virtual card as that will give you 0.50% returns with every 200 you spend. Or IDFC First which can give you 1.25% if you have more than 1L to pay. But IDFC pts can't be redeemed for cash but you can do recharges mobile,dth etc. SBI pts can be used for CC bill payment which is more effective.
Click to expand...
Somewhere in this topic forum i read the offer with SBI 0.5% on using debit card is campaign based ? Actually i am specifically looking for PSU bank as i have other pvt banks account like hdfc , ICICI ,KOTAK.
 
Apply For LTF AU LIT Credit Card
kjs said:
Somewhere in this topic forum i read the offer with SBI 0.5% on using debit card is campaign based ? Actually i am specifically looking for PSU bank as i have other pvt banks account like hdfc , ICICI ,KOTAK.
Click to expand...
Without campaign SBI DC rewards are as follows:

- Physical -> 0.25%
- Virtual -> 0.50%
 
  • Like
Reactions: kjs
So as per this should I open account in SBI & not in BOI ? or any other option in PSU. It will be my spending account mainly linked to UPI. I thought of BOI as SBI & BOB already we have at home . so just in case of some offers
 
kjs said:
So as per this should I open account in SBI & not in BOI ? or any other option in PSU. It will be my spending account mainly linked to UPI. I thought of BOI as SBI & BOB already we have at home . so just in case of some offers
Click to expand...
You can go with the BOI, if you don't have that at home.
 
Apply For LTF HDFC Swiggy Credit Card
6ix9ine said:
You can go with the BOI, if you don't have that at home.
Click to expand...
Does BOI or SBI provide Rupay Platinum debit card upon online account opening ? If not I can open account offline , will they provide it or I need to do it thru app once account opens.
 
kjs said:
Does BOI or SBI provide Rupay Platinum debit card upon online account opening ? If not I can open account offline , will they provide it or I need to do it thru app once account opens.
Click to expand...
Online account gives basic DC. At branch you can request for it but mostly they also tell that you will get basic first and then make a rewuest to change.

Mostly issuance of new card is free for first year. After that get second card of your choice and then close the first one. Both are FYF (First year Free).
 
desiviru said:
Online account gives basic DC. At branch you can request for it but mostly they also tell that you will get basic first and then make a rewuest to change.

Mostly issuance of new card is free for first year. After that get second card of your choice and then close the first one. Both are FYF (First year Free).
Click to expand...
1739876030364.webp
does it mean no points on credit card bill payments ?
 
Abhishek012 said:
BOI RuPay classic/platinum DC - use on Phonepe and Freecharge for CC bill payment. 100% you will receive your rewards because merchant category Telecom or Utility.

No extra charges for RuPay variant on Phonepe and Freecharge.
Click to expand...
I am looking for PSU bank card which can offer decent reward point on credit card bill payment + Rupay platinum debit card . can this BOI debit card solve the purpose ?? or you recommend any other ?
 
Last edited:
kjs said:
I am looking for PSU bank card which can offer decent reward point on credit card bill payment + Rupay platinum debit card . can this BOI debit card solve the purpose ?? or you recommend any other ?
Click to expand...
1st best card - IDFC Firstap RuPay Platinum DC - Reward rate depend on your acc variant - normal, select, wealth, private.

2.5% value on CC bill payment through phonepe, freecharge, canara setu.

Also welcome reward 2k to 20k (depend on acc variant).

You can also use for RuPay Platinum DC Amazon friday offer.

Full info - https://www.technofino.in/community...k-launched-its-debit-card-reward-system.7394/

2nd best - SBI Virtual RuPay DC (lifetime free) is also good because you will get 1% value back but remember, you need to wait 2-3 months to get full 1% value back.

You can also pay Amex CC and SCB CC bill through billdesk and get 1% value (SBI Virtual RuPay DC).

SBI Physical RuPay DC - 0.5% value back.

3rd best is BOI RuPay Platinum DC. You can also use for RuPay Platinum DC Amazon friday offer.

No extra charges for RuPay variant on Phonepe and Freecharge.
 
  • Like
Reactions: kjs
Abhishek012 said:
1st best card - IDFC Firstap RuPay Platinum DC - Reward rate depend on your acc variant - normal, select, wealth, private.

2.5% value on CC bill payment through phonepe, freecharge, canara setu.

Also welcome reward 2k to 20k (depend on acc variant).

You can also use for RuPay Platinum DC Amazon friday offer.

Full info - https://www.technofino.in/community...k-launched-its-debit-card-reward-system.7394/

2nd best - SBI Virtual RuPay DC (lifetime free) is also good because you will get 1% value back but remember, you need to wait 2-3 months to get full 1% value back.

You can also pay Amex CC and SCB CC bill through billdesk and get 1% value (SBI Virtual RuPay DC).

SBI Physical RuPay DC - 0.5% value back.

3rd best is BOI RuPay Platinum DC. You can also use for RuPay Platinum DC Amazon friday offer.

No extra charges for RuPay variant on Phonepe and Freecharge.
Click to expand...
Ahh... Don't know before, they give so much, my card got expired in Dec, and it was 6-7 of expired one.
My father must have read this and guided me before opening my minor account 20 years back.
Any way to claim past 20 years points.
Thanks for sharing 😊 👍
 
Abhishek012 said:
1st best card - IDFC Firstap RuPay Platinum DC - Reward rate depend on your acc variant - normal, select, wealth, private.

2.5% value on CC bill payment through phonepe, freecharge, canara setu.

Also welcome reward 2k to 20k (depend on acc variant).

You can also use for RuPay Platinum DC Amazon friday offer.

Full info - https://www.technofino.in/community...k-launched-its-debit-card-reward-system.7394/

2nd best - SBI Virtual RuPay DC (lifetime free) is also good because you will get 1% value back but remember, you need to wait 2-3 months to get full 1% value back.

You can also pay Amex CC and SCB CC bill through billdesk and get 1% value (SBI Virtual RuPay DC).

SBI Physical RuPay DC - 0.5% value back.

3rd best is BOI RuPay Platinum DC. You can also use for RuPay Platinum DC Amazon friday offer.

No extra charges for RuPay variant on Phonepe and Freecharge.
Click to expand...
Thank you for a precise and valuable information. This really helps. .Can You pleas help answer the below questions
1) People are facing some hurdles in getting the Rupay Platinum Physical card , I am yet to open a new account should I open offline and request for the same while opening account
2) Can I pay SBI credit card bill using SBI Virtual Rupay Card , since most of my usage is SBI Cashback Credit card.
3) Can SBI Virtual DC be used for amazon Friday offer
 
kjs said:
Thank you for a precise and valuable information. This really helps. .Can You pleas help answer the below questions
1) People are facing some hurdles in getting the Rupay Platinum Physical card , I am yet to open a new account should I open offline and request for the same while opening account
2) Can I pay SBI credit card bill using SBI Virtual Rupay Card , since most of my usage is SBI Cashback Credit card.
3) Can SBI Virtual DC be used for amazon Friday offer
Click to expand...
1) SBI RuPay Platinum Physical DC - only apply through branch. use Card Code: IRP (Indianoil RuPay Platinum DC) or Card Code: RPJ (RuPay JCB Platinum DC)

2) yes, use - SBI Billdesk website, freecharge app, phonepe app, SBI Yono website or Canara Setu website etc

3) No. SBI Virtual RuPay Global DC is Classic variant (Virtual is lifetime free). Your both card will coexist (Virtual + Physical).
 
  • Like
Reactions: kjs
hender said:
Ahh... Don't know before, they give so much, my card got expired in Dec, and it was 6-7 of expired one.
My father must have read this and guided me before opening my minor account 20 years back.
Any way to claim past 20 years points.
Thanks for sharing 😊 👍
Click to expand...
4kf38f.jpg
 
You must log in or register to reply here.

Similar threads

O
Are all debit cards free in HDFC Imperia banking?
Replies
16
Views
503
mkotaru
M
Rishabh
  • Question Question
Indus Exclusive Debit better rewarding than Pioneer Debit? Any Catch?
Replies
17
Views
539
Panthera_Tigris
Panthera_Tigris
Back
Top