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IDFC First Bank Launched its Debit Card Reward System

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The first post in this thread is a WikiPost, and can be edited by anyone with the appropriate permissions.
When were these terms and conditions last updated? I've noticed that I haven't received points for transactions made on August 13th, 24th, and 25th, although I've received points for all other days. Do transactions on platforms like Paytm, CheQ, Cred, and Mobikwik still qualify for reward points? I'm uncertain about the Merchant Category Code (MCC) they fall under. How can I check the MCC for these platforms?
 
Oscar said:
When were these terms and conditions last updated? I've noticed that I haven't received points for transactions made on August 13th, 24th, and 25th, although I've received points for all other days. Do transactions on platforms like Paytm, CheQ, Cred, and Mobikwik still qualify for reward points? I'm uncertain about the Merchant Category Code (MCC) they fall under. How can I check the MCC for these platforms?
Click to expand...
Even I didn't received points for 13 aug
 
Now what are the ways to earn Reward Points ? I think only Mobikwik or is something other left for these ? Opened a minimum digital account recently
 
Cebu said:
Now what are the ways to earn Reward Points ? I think only Mobikwik or is something other left for these ? Opened a minimum digital account recently
Click to expand...
Maine pahele he bola tha RBL Signature+ debit card is best debit card for credit card bill repayment and wallet loads -

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 repayment or Paytm wallet load

mobikwik app - cc bill repayment

Bajaj app - cc bill repayment

Payzapp app - cc bill repayment

Cred app - cc bill repayment (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 repayment or merchant transaction via UPI.
 
Abhishek012 said:
Maine pahele he bola tha RBL Signature+ debit card is best debit card for credit card bill repayment and wallet loads -

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 repayment or Paytm wallet load

mobikwik app - cc bill repayment

Bajaj app - cc bill repayment

Payzapp app - cc bill repayment

Cred app - cc bill repayment (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 repayment or merchant transaction via UPI.
Click to expand...
The way SPDC is being promoted, RBL walo ko bhi maintenance schedule karne me der nahi lagegi. 😂 😂

They have already restricted non branch areas from opening account online.
 
Abhishek012 said:
Maine pahele he bola tha RBL Signature+ debit card is best debit card for credit card bill repayment and wallet loads -

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 repayment or Paytm wallet load

mobikwik app - cc bill repayment

Bajaj app - cc bill repayment

Payzapp app - cc bill repayment

Cred app - cc bill repayment (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 repayment or merchant transaction via UPI.
Click to expand...
Ab toh yeh shaq yakeen main badal te ja raha hai ki tum hi Arindam ho 🤭

Aur promote karo isko... Next iska number hi hai 🤣
 
Apply For LTF HDFC Swiggy Credit Card
Abhishek012 said:
Maine pahele he bola tha RBL Signature+ debit card is best debit card for credit card bill repayment and wallet loads -

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 repayment or Paytm wallet load

mobikwik app - cc bill repayment

Bajaj app - cc bill repayment

Payzapp app - cc bill repayment

Cred app - cc bill repayment (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 repayment or merchant transaction via UPI.
Click to expand...

Really I am seeing dual personalities 😄

If this card devalued

Again u will change ur words 😂
 
4uziaul said:
Yeh baat toh sahi hai maine bhi notice Kiya hai aur in fact kuch din pehle same cheez maine bola tha ki tum Rupay wali loot chup chup ke loot te ho aur jahan kuch Visa yeh MasterCard ka hota hai toh khub promote karte ho 🤣 @Abhishek012
Click to expand...
Yes

He has so much hatred towards Visa And master cards.

So much hatred towards credit cards

Note - he is one of the biggest looter of credit cards

Some posts Like omni wallet, Fortum etc etc ( How much he looted with above tricks)

He gather information from here and there and posts all tricks in communities. ( CREDIT STEALER)

He watches YouTube videos and post here

And after looting,At last he tags Bank ids and challenging them to close the loopholes.


I am really lucky, I have seen the real life actor 😂


He feels like he had Introduced the tricks and closed the tricks.

In Reality Banks Don't Care abt Him 😂😂😂
 
Last edited:
CardSeeker said:
Yes

He has so much hatred towards Visa And master cards.

So much hatred towards credit cards

Note - he is one of the biggest looter of credit cards

Some posts Like omni wallet, Fortum etc etc ( How much he looted with above tricks)

He gather information from here and there and posts all tricks in communities. ( CREDIT STEALER)

He watches YouTube videos and post here

And after looting,At last he tags Bank ids and challenging them to close the loopholes.


I am really lucky, I have seen the real life actor 😂


He feels like he had Introduced the tricks and closed the tricks.

In Reality Banks Don't Care abt Him 😂😂😂
Click to expand...
Even it's not normal hatrate 😳
Aag ugal dete hai🔥👨‍🚒🚒🧯
 
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