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Abhishek012 said:
Use RBL Signature+ debit card. Best debit card ever and get approx 2% Cashback on Wallet 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 repayment or Paytm wallet load

mobikwik app - cc bill repayment or mobikwik wallet load and transfer to bank free.

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.

Slice wallet load also available and pay via Slice wallet UPI for cc bill repayment or bank transfer.
Click to expand...
Bro, my spends are between 40-70k only.
 
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Abhishek012 said:
Tum negative insaan ho, band hua toh iska he gala pakarna sab. 🤣🤣
Click to expand...
4uziaul said:
Apna teer mere taraf mat ghumao 😂
Click to expand...
akshay-kumar-funny-expression.jpg
 
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ItsAnilSingh said:
Bro, my spends are between 40-70k only.
Click to expand...
If your spends are between 40-70k only then RBL Signature+ debit card is still best card for you.

Pay cc bill 40-70k to get 1% cashback between Rs400 to Rs700 monthly.

Note: minimum spend is 10k+ per transaction, you can also load to any wallet and later use small amount to pay cc bills.

If you spend 40k per month = annually 4.8 lakh (just spend 20k more to complete 5 lakhs annually to get Rs5000 extra)
 
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Abhishek012 said:
Use RBL Signature+ debit card. Best debit card ever and get approx 2% Cashback on Wallet 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 repayment or Paytm wallet load

mobikwik app - cc bill repayment or mobikwik wallet load and transfer to bank free.

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.

Slice wallet load also available and pay via Slice wallet UPI for cc bill repayment or bank transfer.
Click to expand...
Non-serviceable pincode se account khol sakte hai kya RBL ka ?
 
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Abhishek012 said:
If your spends are between 40-70k only then RBL Signature+ debit card is still best card for you.

Pay cc bill 40-70k to get 1% cashback between Rs400 to Rs700 monthly.

Note: minimum spend is 10k+ per transaction, you can also load to any wallet and later use small amount to pay cc bills.

If you spend 40k per month = annually 4.8 lakh (just spend 20k more to complete 5 lakhs annually to get Rs5000 extra)
Click to expand...
😍

I was thinking of Indus Select via Legend route. But for ~1%, one has to spend above 1lakh. So, was looking for alternative.
 
Upvote 0 Downvote
Abhishek012 said:
Use RBL Signature+ debit card. Best debit card ever and get approx 2% Cashback on Wallet 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 repayment or Paytm wallet load

mobikwik app - cc bill repayment or mobikwik wallet load and transfer to bank free.

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.

Slice wallet load also available and pay via Slice wallet UPI for cc bill repayment or bank transfer.
Click to expand...
BHAI Account toh khol lunga .yeh batao band kaise karunga. Inhone sb khatm kr diya toh😁
 
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