Best rewarding debit cards.

[ashwinikumar900]

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.) ?

 

[CyberPsych]

Utility mcc code bhaiya

All the bill payments through HDFC bill pay portal comes under utility MCC?

What MCC does credit card bill payments through other apps come under?

 

[Vasuki]

All the bill payments through HDFC bill pay portal comes under utility MCC?

What MCC does credit card bill payments through other apps come under?

Mowobik credit @NShah 🌚
16k -18k bill pay

 

[NShah]

Mowobik credit @NShah 🌚
16k -18k bill pay

Mobikwik wallet load 40k or any wallet load or
Cc bill payments through hdfc bill payment portal 16k for Millenia dc cashback

@CyberPsych

 

[dealminer]

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


In order

Ek a/c ke saath 3 DC ?? All three work parallelly?

 

[NShah]

Ek a/c ke saath 3 DC ?? All three work parallelly?

Y e s

 

[dealminer]

Y e s

How many days does it take from application to making it 0 MAB? (Min to max)

 

[Vasuki]

Ek a/c ke saath 3 DC ?? All three work parallelly?

I have 4 in a month old account

 

[Vasuki]

How many days does it take from application to making it 0 MAB? (Min to max)

Via what? .

 

[dealminer]

Via what? .

Select savings ac through a branch. I saw that trick long ago but I have to go to the branch for that. (some address issue online) and lazy to go to the branch for that.
So how long does it take for the whole process? New ac and card link. I have legend cc.

 

[dealminer]

I have 4 in a month old account

How many DC they issue? 🤣

 

[Vasuki]

Select savings ac through a branch. I saw that trick long ago but I have to go to the branch for that. (some address issue online) and lazy to go to the branch for that.
So how long does it take for the whole process? New ac and card link. I have legend cc.

Just open select account.. mention u have already generated cif .
So new address won't be added
Old address will sync even if u give new one
Account it will be logged in instant on branch
With dc & welcome kit .
1 lakh fund

Debit freeze will be over after 2 full working day if ur Rm is on it .
Then link legend cc via net banking.& U r good to go.
There is a separate thread on this legend & select .

 

[Vasuki]

How many DC they issue? 🤣

I got
Titanium ( instant branch ) mc
Select mc - 1k
Signature visa -1k
Platinum -750 ..

 

[dealminer]

mention u have already generated cif

this is new. Thanks 👍

Then link legend cc via net banking

You too hold Legend?

 

[Vasuki]

this is new. Thanks 👍

You too hold Legend?

No I don't
I opened bcz I can't open online bcz of old cif issue with no account.
Select seemed best

 

[Maikalal Jaikishan]

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).

Is the 2% cashback on CC bill payment separate from these GVs?

 

[rakhi]

I got
Titanium ( instant branch ) mc
Select mc - 1k
Signature visa -1k
Platinum -750 ..

On which app I can use to pay credit card bill using select Mc card wil fetch reward points?

 

[Vasuki]

On which app I can use to pay credit card bill using select Mc card wil fetch reward points?

Rn use visa cards on Paytm

For MC wait for park+
Or sbi unipay for bbps bills like kotak& sbi ..not others ( at your risk ) because to the issue going on

 

[rakhi]

Rn use visa cards on Paytm

For MC wait for park+
Or sbi unipay for bbps bills like kotak& sbi ..not others ( at your risk ) because to the issue going on

For master card only park+,?

 

[Vasuki]

For master card only park+,?

SBI unipay but lots of money in air in non bbps banks m.
Kotak & SBI card has less failure..
Just order visa card

 

[dealminer]

Is the 2% cashback on CC bill payment separate from these GVs?

Kya chahte ho bhai ab ek debit card se 😂