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

Rbl dccard ke liye rbl me saving acc chahiye na? Which variant

neel648 wrote:

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

I hold platinum easyshop from HDFC and on the website it's mentioned that 1% cashback is applicable only on telecom and utilities.

Are you sure credit card payment would attract cashback and also in how many days would the cash points get credited after the transaction? 

TIA

Aksh3213 wrote:

I hold platinum easyshop from HDFC and on the website it's mentioned that 1% cashback is applicable only on telecom and utilities.

Are you sure credit card payment would attract cashback and also in how many days would the cash points get credited after the transaction? 

TIA

Seems u r new in this so let me guide u. Pay via hdfc net banking from utility section credit card bill pay . note u cant pay hdfc bank card. To pay to hdfc card pay from mobikwik. Use hdfc platinum debit card and ill get points credited in 2 days. Give karma if helped

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

What advantages does Mobikwik offers over Cred?

I hold plantinum easy shop dc from hdfc

neel648 wrote:
Seems u r new in this so let me guide u. Pay via hdfc net banking from utility section credit card bill pay . note u cant pay hdfc bank card. To pay to hdfc card pay from mobikwik. Use hdfc platinum debit card and ill get points credited in 2 days. Give karma if helped

Thanks brother and yea I'm pretty new to this.

Just paid a cc bill using plat dc from cred, lol cashback lost. Also can't give karma as of now, I'd have if I could. 

Aksh3213 wrote:

Thanks brother and yea I'm pretty new to this.

Just paid a cc bill using plat dc from cred, lol cashback lost. Also can't give karma as of now, I'd have if I could. 

Note hdfc bill pay and mobikwik these 2  ONLY eligible for cashback reward point .. No other not even paytm,cred or even cheq is eligible for cashback.

abhishek012 wrote:

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.

What a coincidence and timing.
Except for the no permanent blocking part. I read the features of this debit card last night on the cardexpert website.

i would like to know, how easy is it to close account with rbl? just in case all options get closed for rewards or there is a devaluation..

neel648 wrote:

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

How much balance to be maintained for hdfc saving max ac

neel648 wrote:

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

Also tell hdfc easyshop p dc and hdfc milinia dc where we can use to get cbk for cc.! For mobiwik and cheq which dc of these 2 will work?

asli_shashikant wrote:
How much balance to be maintained for hdfc saving max ac

25k.. Other catagory are also free like classic banking and higher. But their MAB is high too. 25k MAB savings max is the lowest account which gives free debit card

asli_shashikant wrote:
Also tell hdfc easyshop p dc and hdfc milinia dc where we can use to get cbk for cc.! For mobiwik and cheq which dc of these 2 will work?

Hdfc platinum - hdfc billpay portal,mobikwik
Hdfc millenia- paytm wallet add money then pay cc bill
Cheq-sbi debit card ( indusind used to give rp on cheq but not anymore, hdfc platinum dv NO. Hdfc millennia not sure as it takes 3 month to credit rp so no one got confirmation yet.

neel648 wrote:
Hdfc platinum - hdfc billpay portal,mobikwik
Hdfc millenia- paytm wallet add money then pay cc bill
Cheq-sbi debit card ( indusind used to give rp on cheq but not anymore, hdfc platinum dv NO. Hdfc millennia not sure as it takes 3 month to credit rp so no one got confirmation yet.

I believe paytm not gives everyone to add money option.

asli_shashikant wrote:
I believe paytm not gives everyone to add money option.

Millennia gives 1% on wallet reload and paytm wallet is free to load from debit card and u can pay cc bill with paytm wallet balance. Dont know any other way 

abhishek012 wrote:

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.

Is there a single portal which will give CB for all cards? 

DEALSTER wrote:

Is there a single portal which will give CB for all cards? 

Use mobikwik and HDFC bill pay.

abhishek012 wrote:
Use mobikwik and HDFC bill pay.

Thanks Abhishek bhai. I will keep hdfc as primary mode and use mobikwik for banks not available there. I hope i knew this earlier. 

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

Is it possible to pay a Kotak CC bill with Payzapp wallet balance?

DimeDime wrote:
Is it possible to pay a Kotak CC bill with Payzapp wallet balance?

+1

Does HDFC Platinum DC give rewards/cashback other than this 1% on utility or cc cill like wallet loading or any online transaction?

DimeDime wrote:
Is it possible to pay a Kotak CC bill with Payzapp wallet balance?

Yes. Kotak and bob which are bbps billers

xxScriptzXx wrote:
Yes. Kotak and bob which are bbps billers

Can we pay the same CC's bill multiple times?

xxScriptzXx wrote:
Yes. Kotak and bob which are bbps billers

I am trying to pay my Kotak cc bill through payzapp but it's showing no bill due while my bill due date is 8th May  so is there any way to fix it?

anyone able to redeem cb received from easyshop platinum in hdfc net banking?

its showing error since past two days.

"We apologize, but this facility is temporarily unavailable. Please try again later."

Does HDFC Platinum provide cashback for payments using Cheq.

neel648 wrote:
Note hdfc bill pay and mobikwik these 2  ONLY eligible for cashback reward point .. No other not even paytm,cred or even cheq is eligible for cashback.

I paid HDFC CC Bill on Mobikwik using HDFC Platinum DC one week ago. But Cashback not reflected in HDFC Portal. In statement it shows as" POS Mobikwik ". I doubt these POS transactions eligible for CB.

My CC Bill transaction on BillPay portal & app failing again and again. Error code is "declined on BillPay due to 0399 - 0399 - PBE10002-Transaction not permitted to cardholder." I have been trying since last one week. Mailed to HDFC support. But they look kinda ignorant.

abhishek012 wrote:

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.

Does Paytm add money works for 1% reward 

Adipurush wrote:

Does Paytm add money works for 1% reward 

Yes. You can use RBL bank Signature+ Debit Card on Paytm wallet load and then pay to your credit card bill using your paytm wallet balance or free transfer to bank account.

abhishek012 wrote:

Yes. You can use RBL bank Signature+ Debit Card on Paytm wallet load and then pay to your credit card bill using your paytm wallet balance or free transfer to bank account.

they only mentioned POS or Ecom so i was sceptical as to Paytm wallet is included for reward points or not.So no issues right i can proceed with wallet load and still can claim 1% reward ?