Best Debit Card for High Interest Rate and High Rewards for Credit Card Payment

Rbl signature + debit card

neel648 wrote:

Rbl signature + debit card

Please note that they are blocking the card if misused. Personally faced it... they didn't block/freeze my savings account, unlike how generally it happens, but rather just permanent blocked/hotlisted my card from their back-end. Some other people have reported that they freeze the savings account, but I guess for me since I happened to have somewhat decent nrv with them, they blocked the card only.

BlueFlash wrote:
Please note that they are blocking the card if misused. Personally faced it... they didn't block/freeze my savings account, unlike how generally it happens, but rather just permanent blocked/hotlisted my card from their back-end. Some other people have reported that they freeze the savings account, but I guess for me since I happened to have somewhat decent nrv with them, they blocked the card only.

Were you able to get it unblocked, or is it permanently blocked?

10ven wrote:

Were you able to get it unblocked, or is it permanently blocked?

It's permanent card block for me. Need to raise a request for a new card now

BlueFlash wrote:
It's permanent card block for me. Need to raise a request for a new card now

neel648 wrote:

Rbl signature + debit card

What’s the reward for payin cc bill?

raghupro wrote:

What’s the reward for payin cc bill?

1%

Hdfc easyshop platinum debit card 1% upto 750. LTF with hdfc saving max account. Hdfc millennia debit card 1% upto 400 . indusind debit cards

HDFC platinum debit card

Indusind mastercard

Hdfc platinum dc or infinia cc?

Axis Liberty?

MrKool_JJ wrote:

Hdfc platinum dc or infinia cc?

Infinia kahan sey aa gaya bhai, this thread asking for best debit card for cc bill payment

guest_999 wrote:
Infinia kahan sey aa gaya bhai, this thread asking for best debit card for cc bill payment

Sir
I don't understand hindi. Can you please explain in english.

Subhodayam wrote:
Sir
I don't understand hindi. Can you please explain in english.

I was asking him from where did infinia came into this discussion which is about best debit card for cc bill payment.

In order,

Rbl signature+ - 1%

Hdfc platinum - 1%

Indusind world exclusive / signature exclusive / platinum exclusive - 0.93%

Sc premium cashback / prime cashback - 5% upto 500

All gives cashback for credit card payment

xxScriptzXx wrote:

In order,

Rbl signature+ - 1%

Hdfc platinum - 1%

Indusind world exclusive / signature exclusive / platinum exclusive - 0.93%

Sc premium cashback / prime cashback - 5% upto 500

All gives cashback for credit card payment

does  Sc premium cashback / prime cashback have any fees?

guest_999 wrote:
Infinia kahan sey aa gaya bhai, this thread asking for best debit card for cc bill payment

Sorry sorry confusion hogya...DC se humara nata hi nai h kuch...cc hi by default brain trigger krta hai so hogya vo

nihaln wrote:
does  Sc premium cashback / prime cashback have any fees?

Since it is sc, you need to have a premium or primr account to get this card. Upgrade your account to prime/premium by maintaining 2 lakh, get the card and then downgrade the account back

nihaln wrote:
does  Sc premium cashback / prime cashback have any fees?

Card is free for premium/prime accounts

xxScriptzXx wrote:

In order,

Rbl signature+ - 1%

Hdfc platinum - 1%

Indusind world exclusive / signature exclusive / platinum exclusive - 0.93%

Sc premium cashback / prime cashback - 5% upto 500

All gives cashback for credit card payment

i have hdfc platinum but i have never used it for CC payment. Which portal shall I use to get this benefit? Moreover it says this: 

• Get 1 Cashback point on every Rs. 100 spent on Telecom, Utilities.

Does it count CC bill payment under utilities?

DEALSTER wrote:
i have hdfc platinum but i have never used it for CC payment. Which portal shall I use to get this benefit? Moreover it says this: 

• Get 1 Cashback point on every Rs. 100 spent on Telecom, Utilities.

Does it count CC bill payment under utilities?

Mobikwik and hdfc bill pay for hdfc platinum. With payzapp, you can use for bbps billers like kotak and bob.

xxScriptzXx wrote:
Mobikwik and hdfc bill pay for hdfc platinum. With payzapp, you can use for bbps billers like kotak and bob.

Thats great.  I hope other bank CC bill payment works bia hdfc bill pay. And how long do they take to credit the cashback points?

DEALSTER wrote:
Thats great.  I hope other bank CC bill payment works bia hdfc bill pay. 

Mostly all work except hdfc card and au. For these cards, use mobikwik.

xxScriptzXx wrote:
Mostly all work except hdfc card and au. For these cards, use mobikwik.

Idfc also doesnt work

xxScriptzXx wrote:
Mostly all work except hdfc card and au. For these cards, use mobikwik.

just paid 500 for SBI to check via payzapp. Lets see when does the CB come. 

xxScriptzXx wrote:
Mostly all work except hdfc card and au. For these cards, use mobikwik.

i have finally paid over 50k via payzapp using platinum DC. Do you know how long does take for the cashback points to reflect?

DEALSTER wrote:
just paid 500 for SBI to check via payzapp. Lets see when does the CB come. 

With payzapp, you can use for bbps billers like kotak and bob only.

SBI is not under bbps yet.

SBI - use mobikwik or HDFC billpay portal to get your 1% cashback.

10ven wrote:

Were you able to get it unblocked, or is it permanently blocked?

No permanent account or card blocking, i used on CheQ app.

Sometimes card blocked on selected merchants but you can try after few days.

Many websites are availabe to pay for credit card bill repayment through debit cards and you can use there RBL bank Signature+ Debit Card.

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.