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SBI Rewardz: Accelerated Points Upto 5X*/10X* RP under Monthly Campaigns.

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desiviru said:
There is a additional milestone benefit of 1000 points on per Lakh spends with SBI DC/VDC and whenever you spend Rs.1L with physical DC, you are rewarded 1000 extra points. In case you use VDC, you need to spend 50K only. These milestone benefits are credited next month between 10-30th of month, maximum time is 60 days.
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@desiviru could you please elaborate why 50k only for milestone in VDC ?

And will we get 1000 milestone points every 50k spends ?


Lastly visa or rupay, which one is better for VDC ?

Sorry if this has been asked before but I went through 10+ pages already and couldn't find the answer


Edit: Found answer
 
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Jhon Anand said:
@desiviru could you please elaborate why 50k only for milestone in VDC ?

And will we get 1000 milestone points every 50k spends ?


Lastly visa or rupay, which one is better for VDC ?

Sorry if this has been asked before but I went through 10+ pages already and couldn't find the answer
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Virtual RuPay Debit Card is best - you can also pay Credit Card bill through Billdesk website like Amex and SCB CC bill.

Some banks also pay CC bill before bill generate using Virtual RuPay debit card.
 
desiviru said:
Well the moment your gain pts cross 1000 pts earned through txns you get this per lakh benefit.

If you use physical DC you earn 1X Normal pts only. So for that you need to do 1L txns but with VDC you get extra pts that complete your milestine at half so 50K on VDC gives 500 Normal + 500 Bonus = 1000 Pts. Now whenever you earn 1000 pts it is equal to 1L and milestone triggers. This is a bug which may or may not get rectified by SBI.

Just because of this you also get accerlerated given for both Normal and Bonus during offer campaigns.

Physical DC = 50K Txn = 500 Normal Pts. So no milestone until you spend 1L with it.

VDC: 50K Txn = 500 Normal 1X + 500 Bonus 1X = 1000 Pts that trigger and tell system spend of 1L completed. So in short, when you pay or cumulatively reach 50K, you get this 1000 also turning your all txns into 1% cashback. If this month you do 25K only and next month 25K even thern also you get milestone benefit.

But if you miss bonus pts credit then you lose this benefit also.

Ex: You did 50K txn and no bonus credited then you need to reach SBI Rewardz CC and they will credit it manually but then this will not be counted in miestone which trigger automatically. So 1% these days isn't guaranteed.

Now another ex: You did 50K and missed bonus, got only 500 Normal and later you did 25K and got normal + bonus also then 500+250+250 will trigger 1L milestone benefit.

In short whenever your earned total pts incl. normal+bonus reach 1000, you get it. Accelerated RPs or compaign bonuses aren't part of 1L milestone.
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Thanks for detailed explanation, could you add this in main thread? I was searching in first 10-15 pages and couldn't find
 
desiviru said:
What is your savings account variant? How come SBI allowed me while restricting you is beyond my understanding. Tap to Pay zyada use kar liya tha kya VISA pe? Aur kitney VISA VDC generate kiye thay?

Looking at all the mess I am not closing down any VDC now on family accounts. Wasn't even looking to do that for my own acc. also but stoppage of bonus pushed me to move to Rupay. This time I am saved as didn't faced issue generating new one and now as max. 2 limit is reached, I won't try again. Ab jo hai so hai. Pts aaye naa aaye.

Update: IDFC DC Txn on #SayToo got pts credited on 4th day while all other done before that and after on #YooniPay got nothing. Something is wrong on #YooniPay + IDFC DC. Will wait for 14 days and then contact idfc rewardz.
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I suggested this to my friend and he generated visa as he already had rupay physical debit card. Are bonus not coming in visa VDC automatically these days?
 
desiviru said:
Just debit card and a mind that can calculate fast. Train it by meditating in front on SBI Rewardz Website by opening page Overview and FAQs.

Just transacting will do but if MCC is not eligible then don't expect points from them.

Don't load wallet as it won't fetch points.
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Amazon pay load is also not giving points?
 
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Jhon Anand said:
I suggested this to my friend and he generated visa as he already had rupay physical debit card. Are bonus not coming in visa VDC automatically these days?
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These bonus points has no Link with rupay or visa. Telling from my experience. I have visa physical, I took rupay virtual. Rupay virtual may have some added advantage as @Abhishek012 has pointed out.
Jhon Anand said:
Amazon pay load is also not giving points?
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SBI DC won't give reward for wallet load.
 
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2025 said:
These bonus points has no Link with rupay or visa. Telling from my experience. I have visa physical, I took rupay virtual. Rupay virtual may have some added advantage as @Abhishek012 has pointed out.

SBI DC won't give reward for wallet load.
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What's the added advantage ?

Some banks also pay CC bill before bill generate using Virtual RuPay debit card.

This ?
 
I don't know really.
I use my card in many places like, Paytm, payzapp, onecard bill payment etc. But as of now in last few months my transaction never failed in rupay VDC. Earlier I had experienced some transaction failure in visa physical DC. It may not be related to visa vs rupay. But, why take visa when rupay (Indian) can do the same job.
 
Jhon Anand said:
Thanks for detailed explanation, could you add this in main thread? I was searching in first 10-15 pages and couldn't find
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No, sorry it won't be added. People should learn few things from their end as well.

First post is already too long, we cannot add every answer to the questions. Desiviru did mention about the milestone benefit in point number 5.

People should just complete their 50K(VDC) / 100K(PDC) transactions and stay happy. The moment they try to understand everything, that's when the issues begin. It's simple maths.

For physical - 200 spent = 2 points
For virtual - 200 spent = 4 points (2 base) + (2 bonus)

You are receiving 2x bonus in case of VDC, which means your milestone will be halved.
 
Abhishek012 said:
Virtual RuPay Debit Card is best - you can also pay Credit Card bill through Billdesk website like Amex and SCB CC bill.

Some banks also pay CC bill before bill generate using Virtual RuPay debit card.
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That how an agent mis-sells a product by adding few lies. 🤣

Bill before due is allowed irrespective of which variant you use. It is on bank not card variant. IKYK but still providing light on the darkness you spread.
 
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