SBI Virtual DC Rewards - Query & Discussion

[rajarancho]

N

Any extra convenience fees or charges for paying utility bills/mobile recharge?

No extra charge

 

[liza10o]

use rupay dc on any platform for cc payment like phonepe, paytm, mobikwik etc take into consideration 75k daily limit split payment accordingly to pay off 1.5L bill. Also till 1L you will get 0.5% return (base+ milestone) after 1L 0.25% (only base rewards)

I did 2 txn of 75k and 62,436 respectively and after 10 days today, i have received 944 reward points, i did not understand how did i get 944, it should have been 1374 atleast, and then extra 1k for the 1L milestone, can anyone explain logic behind 944 points

when i did 75k payment, 1 txn failef but amt got debited (i got refund later) , so maybe by mistake they sometimes send rp for failed txn as well , but then also 944 rp calculation does not make sense

I had done this txn on paytm for cc payment using my physical sbi select rhodium rupay debit card

 

[mobsol2017]

I did 2 txn of 75k and 62,436 respectively and after 10 days today, i have received 944 reward points, i did not understand how did i get 944, it should have been 1374 atleast, and then extra 1k for the 1L milestone, can anyone explain logic behind 944 points

when i did 75k payment, 1 txn failef but amt got debited (i got refund later) , so maybe by mistake they sometimes send rp for failed txn as well , but then also 944 rp calculation does not make sense

I had done this txn on paytm for cc payment using my physical sbi select rhodium rupay debit card

Sometime point take time to reflect in rewards have patience , you will get 2124 reward points for your total spends (75K+75k+62436) + milestone benefit 1000 rewards = total 3124 rewards equivalent to RS781

 

[liza10o]

Sometime point take time to reflect in rewards have patience , you will get 2124 reward points for your total spends (75K+75k+62436) + milestone benefit 1000 rewards = total 3124 rewards equivalent to RS781

I was going through the thread, i have a few quedtions:

1. Is it common that points come in phases for a single txn amount also? I thought they send points per txn so if theres a delay that it be missing for 1 full txn.
2. The milestone benefit will be credited at the end of financial year in june 2026?
3. The 75k failed txn points will also come even after refund? And they will not take it back realizing it was for failed txn?

 

[mobsol2017]

I was going through the thread, i have a few quedtions:

1. Is it common that points come in phases for a single txn amount also? I thought they send points per txn so if theres a delay that it be missing for 1 full txn.
2. The milestone benefit will be credited at the end of financial year in june 2026?
3. The 75k failed txn points will also come even after refund? And they will not take it back realizing it was for failed txn?

1. no never happened with me always got full points. suggest you to login on desktop and check transaction details mentioned on entry.
2. till june milestone was posted monthly but since june 2025 milestone pending till now. What i know that all missing eligible transaction points will be given at fy year end i.e in next march.
3. not sure about it never faced any transaction failure till now.

 

[ragz]

I paid cc bill on sbi unipay using sbi vdc on 15 sep. Did 3 transaction totalling upto 7000 rs but haven't received any points till today and july and august month 1 lakh milestone point also not received till now. Anyone facing same issue or know what is wrong?

 

[6ix9ine]

I paid cc bill on sbi unipay using sbi vdc on 15 sep. Did 3 transaction totalling upto 7000 rs but haven't received any points till today and july and august month 1 lakh milestone point also not received till now. Anyone facing same issue or know what is wrong?

Wait 7-10 days, sometimes it takes more.

Hope it's not new account or debit card.

 

[ragz]

Wait 7-10 days, sometimes it takes more.

Hope it's not new account or debit card.

no its not new account.. have been receiving rewards in past months within 2 days

 

[tachniki]

I paid cc bill on sbi unipay using sbi vdc on 15 sep. Did 3 transaction totalling upto 7000 rs but haven't received any points till today and july and august month 1 lakh milestone point also not received till now. Anyone facing same issue or know what is wrong?

# me too

 

[6ix9ine]

no its not new account.. have been receiving rewards in past months within 2 days

Then no need to worry, these kinds of delays are common. This is not something new.

 

[ragz]

Then no need to worry, these kinds of delays are common. This is not something new.

Got points for 7k bill payment today but last 2 month 1 lakh milestone points still not received

 

[6ix9ine]

Got points for 7k bill payment today but last 2 month 1 lakh milestone points still not received

Those will be released after October.

 

[rahulj87]

Is there any cap for birthday month 2x reward points. ie do one get 2x reward points for spends after 1 lakh too or is the 2x is applicable only up to 1 lakh spends and normal rewards beyond 1 lakh spends.

 

[tachniki]

Is there any cap for birthday month 2x reward points. ie do one get 2x reward points for spends after 1 lakh too or is the 2x is applicable only up to 1 lakh spends and normal rewards beyond 1 lakh spends.

Total rewards is capped at 10k points. So, you should spend 4.5 lakh. That will give you 4500 points, 1000 milestone points and 4500 birthday 2x.

 

[some1anywhere]

SBI debit card experts, excuse me if it has already been answered in previous pages but

1) Can we earn milestone bonus on EACH SBI debit card separately linked to a single account ?
2) What if we have 2 savings accounts, each with its debit cards but under single customer ID? Then?

The SBI Rewardz website mentions this but I found it ambiguous (is it once per month per card, or once per month per account, or once per month per customer ID/rewardz ID?):

Capping of 1000 reward points per transaction applicable, subject to overall capping of 10000 reward points per calendar month per Customer ID including Birthday bonus and all above.

Only 1,000 points will be awarded once per month on spends of ₹1 lakh or more.

 

[runningfast]

How to pay CC bill using SBI Virtual Debit card for more than 50000? My Rupay VDC shows ECOM limit of 50000/. I have SBI Intouch Visa DC also, does it provide rewards for CC Bill via Mobikwik?

 

[tachniki]

How to pay CC bill using SBI Virtual Debit card for more than 50000? My Rupay VDC shows ECOM limit of 50000/. I have SBI Intouch Visa DC also, does it provide rewards for CC Bill via Mobikwik?

On phonepe, you can pay in parts on multiple days.

 

[mobsol2017]

How to pay CC bill using SBI Virtual Debit card for more than 50000? My Rupay VDC shows ECOM limit of 50000/. I have SBI Intouch Visa DC also, does it provide rewards for CC Bill via Mobikwik?

Use vdc till 50k @ mobikwik & pay remaining amount due with your SBI Intouch Visa DC @ unipay to avoid convenience charges. Both will accrue points.

 

[raghumahajan]

As per changed tnc, is there any limit to birthday bonus.
Example: if I spend 2 lakhs, I should get 2000 base rewards + 1000 milestone + 2000 bday bonus?

 

[mobsol2017]

As per changed tnc, is there any limit to birthday bonus.
Example: if I spend 2 lakhs, I should get 2000 base rewards + 1000 milestone + 2000 bday bonus?

it should be like that.