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SBI Rewardz: Accelerated 5X/10X Reward Points under Monthly Campaigns. (Holi and Year End Offer Live Now)

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2025 said:
Bhai details toh @desiviru or @6ix9ine hi bata sakte hay. I do not have that much energy and knowledge.

This is what I understand. Decoding two beneficial offers for TF members. Please let me know if I am wrong.
Do it at your own risk (the main risk is if SBI removes utility from their lifestyle category in between or in the future; last time, I saw it under their lifestyle category only).

Decoding SBI Rewardz Holi Ke Rang 2.0 & Women's Day Offer (March 1 to March 14, 2025) (Offer 1)
1. Utility (mcc 4900) txn comes under lifestyle category in SBI.
2. For the Holi offer (1-14 Mar), pay your CC bill in Unipay, Freecharge, etc., where you get MCC 4900 (not 4814) to avail yourself of the offer's benefits (many other MCC and merchants are allowed).
3. For men customers, pay Rs. 12,600/- to get the full benefits using VDC (if VDC bonus points do not come automatically, then pay an extra 6.2k/12.4k/other amount, depending on the situation) until you get 250 RP (reg+bonus). @donisback7
4. For women customers, pay Rs. 10,600/- to get full benefits using VDC (if the VDC bonus does not come, then pay again 5.2k/10.4k/other amount, again depending on the situation) until you get 210 RP (reg+bonus).
5. The total required amount (Rs. 12,600 or Rs. 10,600) can be paid in parts but must always be above Rs. 1000 to be considered under this offer.
6. Net reward rate for men = 2.5%, Women for women's day offer = 3.0%.
7. Milestone benefits are additional (up to 0.5%).
8. Max possible earning Rs. 376/- (~3.0%) for men (after paying 12,600) (RP= 126+126+1000+252), and Rs. 356/- (~3.4%) for women (after paying 10,600) (RP= 106+106+1000+212).
9. Please don't ask me for further explanation. I won't be able to. I am not Abhishek sir.

Decoding SBI End of Year Rewards (March 15 to March 31, 2025) (Offer 2)
1. Utility (mcc 4900) txn comes under lifestyle category in SBI.
2. For the end of year offer (15-31 Mar), pay your CC bill in Unipay, Freecharge, etc., where you get MCC 4900 (not 4814) to avail yourself of the offer's benefits (many other MCC and merchants are allowed).
3. For all customers, pay Rs. 12,600/- to get the full benefits using VDC (if VDC bonus points do not come automatically, then pay an extra 6.2k/12.4k/other amount, depending on the situation) until you get 250 RP (reg+bonus).
4. The total required amount (Rs. 12,600) can be paid in parts but must always be above Rs. 2000 to be considered under this offer.
5. Net reward rate = 2.5%.
6. Milestone benefits are additional (up to 0.5%).
7. Max possible earning Rs. 376/- (~3.0%) (after paying 12,600) (RP= 126+126+1000+252).
8. Please don't ask me for further explanation. I won't be able to. Because I am not Abhishek sir.

In simple language, use your SBI Virtual Debit Card to pay Rs. 12,600 CC bill in SBI Unipay on or before March 14, 2025. Then, pay the same amount using the same card on the same platform between March 15 and March 31, 2025. You will get additional 2000 rewardz points (Rs. 500/-). If you do not have SBI VDC and only have SBI DC then pay Rs. 25,000 (men) / 21,000 (women) for the first offer, and another Rs. 25,000 (for men & women) for the second offer to get full benefits of the campaign.

Both campaign points (1000 rp + 1000 rp) will be credited around 30th April 2025.
*I have edited my post (might edit further, if required).

@its_karan @surojitlaha @kuchbhi @cardio_guy @Mr. Bean @Aniket

Reference:
Click to expand...
I am new to this card, and going to make the 1st transaction, but I am still not able to understand the calculation even after going through a couple of previous pages and the TnC document ... can anyone ELIF ?

1. Since the cashback rate is 4 points /rs 200 or .5rs per 100, shouldn't the 5x return 20 points /200rs. then it should give 12600/200*20 = 1260 (but it will be capped at 1000 points per the max limit for the current offer) ? @Abhishek012
 
newprouser said:
I am new to this card, and going to make the 1st transaction, but I am still not able to understand the calculation even after going through a couple of previous pages and the TnC document ... can anyone ELIF ?

1. Since the cashback rate is 4 points /rs 200 or .5rs per 100, shouldn't the 5x return 20 points /200rs. then it should give 12600/200*20 = 1260 (but it will be capped at 1000 points per the max limit for the current offer) ? @Abhishek012
Click to expand...
From what I understand, If we do 1000 Rs transaction, we get 10 cashback points for debit card transaction
that is the standard rate. 10 points = 10/4 = 2.5 rs (that means 0.25%)

now because we used virtual card, we get another 10 points, that means another 2.5 rs
So total cashback is 5 rs. (which is 0.5%)

now coming to offer, you get 5x - that means for 1000 rs transaction, instead of 10 points, we get 50 points.
that means 12.5 rs (which is 1.25%)

also we may get another 50 points for VDC (this part i am not very sure, but my gut feeling says we will get it)
that means another 12.5 rs
so total cashback is 25 rs for 1000 rs transaction (which is 2.5%)

I also think womens day and holi points will come after April or so, we may need to wait for 1-2 months to see the full picture.
Anyway I have to pay cc bills of 2lakh ruppes this month, so i can confirm exactly after i get all the points.
(i post my vdc experiences using the keyword #ilovesbivdc, search for this term to get more updates.)
 
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