RBL Enterprise DC - 5% cashback on Credit Card bill payment
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https://www.rblbank.com/personal-banking/cards/...
RBL Enterprise Debit Card - 5% cashback on Credit Card bill payment:
Note - If you are a small spender then you will earn 4.02% Cashback to 5% Cashback or if you are a heavy spender then you will earn 1.24% cashback to 1.4% cashback. Read full post carefully to get all information + Extra cashback earning info too.
Joining Fee - INR 7,500+GST (Get Joining Vouchers INR 8,500)
- Monthly & Annual Cashbacks on spends
- 2 Complementary Lounge Access per quarter at Domestic Airports
- Zero fee /Charges on International Spends in Foreign Currency (POS/Ecom)
Annual fee of INR 2,000 will be charged from 2nd year onwards.
Joining Vouchers -
i. The Cardmember(s) shall get a link on their registered mobile number/email after activation of the Enterprise Debit Card by doing one transaction on POS and/or through Online payments using the Enterprise Debit Card within ninety (90) days of card issuance to claim vouchers worth INR 7,500.
ii. The Cardmember(s) will get a link on their registered mobile number/email to claim further joining vouchers worth INR 1,000 after making minimum transactions amounting to INR 25,000 on POS and/or through Online payments using the Enterprise Debit Card within 90 days of card issuance.
iii. The joining vouchers shall be valid for a period of 90 days from the date of receipt of the link by the Cardmember(s). Post 90 days the Cardmember(s) would not be able to claim the vouchers.
iv. The Cardmember(s) shall receive a SMS/ email within thirty (30) days of fulfilling the eligibility criteria which will contain a website link/ URL to claim the voucher amounts mentioned above.
Get Monthly Cash Back as vouchers on minimum monthly transactions of INR 20,000 on POS/Online payments on below categories:
- 1% cash back as vouchers on Fuel (max up to INR 1,500 per month) (petrol/diesel – MCC 5542, 5541, 5172, 5983)
- 5% cash back as vouchers on Flight booking (max up to INR 500 per month) (travel/flight tickets MCC - 4511, 4722, 3000, 3299)
- 5% cash back as vouchers on OTT subscription & Telecom (max up to INR 500 per month) (MCC 5968, 4899, Telecom MCC - 4814)
- 5% cash back as vouchers on utility payments (max up to INR 1,000 per month) (MCC – 4900, 4812 & 4816)
Please Note: With effect from May 01, 2024, in case of Current Account minimum monthly transaction of INR 25,000 on POS/Online payment would be required to be eligible for monthly cashback as vouchers on the above categories.
- Get Annual vouchers up to INR 9,000 on spends of INR 15 lakhs in a year
*Get vouchers worth INR 2,000 on spends of INR 5 lakhs in a year + Get additional vouchers worth INR 3,000 on spends of INR 10 lakhs in a year + Get additional vouchers worth INR 4,000 on spends of INR 15 lakhs in same year.
Please Note: W.e.f May 01, 2024, International transactions and/or transactions carried out on the Merchant Category Codes (MCC – 6012, 6051, 6540, 6211) will be excluded from availing Monthly cashback as voucher/ Annual vouchers.
List of lounges for MasterCard cardholders click here
List of lounges for Visa cardholders click here
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Where to Pay Credit Card Bill and earn Cashback -
Now Pay Credit Card bill through SBI Unipay website - https://customer.sbiunipay.sbi/CustomerPortal/q...
or Jio Finance app - https://play.google.com/store/apps/details?id=i...
Both apps comes under Utility bill category.
There is 2 other apps - Airtel app and Canara Setu website for Credit Card bill payment but not tested yet using RBL Enterprise Debit card.
Small spender - if your monthly Credit Card bill is 20k to 25k then use this method to earn -
Pay 1st and 2nd month 20k+20k Credit Card bill.
You will get 1000+1000 cashback voucher and Joining 8500 voucher (your Joining fee will recover) Cashback voucher redeem on Amazon gv, Flipkart gv, Big Basket gv, Swiggy gv etc.
From 3rd month pay every month 20k Credit Card bill and earn 1000 cashback voucher per month.
So, 1st year, 20k monthly credit card bill per month, you will earn approx 5% Cashback.
Now remember - Annual fee of INR 2,000 will be charged from 2nd year onwards.
From 2nd year, you will earn 1000*12 per month = 12,000 cashback voucher and pay only 2,000+GST annual fee.
So, From 2nd year, 20k monthly credit card bill per month, you will earn approx 4.02% Cashback after deducted 2,000+GST annual fee
Please Note: With effect from May 01, 2024, in case of Current Account minimum monthly transaction of INR 25,000 on POS/Online payment would be required to be eligible for monthly cashback as vouchers on the above categories (Saving account holders, Monthly Cash Back as vouchers on minimum monthly transactions of INR 20,000 on POS/Online payments).
Heavy Spender - If your monthly Credit Card bill is 1.25 lakhs or your Yearly Credit Card bill is 15 lakhs then use this method to earn -
Remember - monthly Credit Card bill is 1.25 lakhs is not mandatory but Yearly Credit Card bill is 15 lakhs is mandatory to get annual voucher benefit.
Pay every month 1.25 lakhs Credit Card bill and get monthly 1000 cashback vouchers (also your joining fee recover through joining voucher because you spend more than 25k minimum spend criteria) and when you complete yearly 15 lakhs Credit Card bill you will get extra 9,000 Annual milestone vouchers (total you will get 12,000 cashback vouchers + 9000 annual milestone vouchers = 21,000 vouchers).
*Get Annual milestone vouchers worth INR 2,000 on spends of INR 5 lakhs in a year + Get additional vouchers worth INR 3,000 on spends of INR 10 lakhs in a year + Get additional vouchers worth INR 4,000 on spends of INR 15 lakhs in same year (Total 9,000 Annual milestone vouchers).
Monthly Cashback voucher/Annual milestone vouchers redeem on Amazon gv, Flipkart gv, Big Basket gv, Swiggy gv etc.
So, 1st year, 1.25 lakhs monthly credit card bill per month (or annual 15 lakhs credit card bill payment), you will earn 1.4% Cashback (Total 21,000 cashback voucher).
Now remember - Annual fee of INR 2,000 will be charged from 2nd year onwards.
From 2nd year, you will earn 1000*12 = 12,000 cashback voucher per month + 9000 annual milestone voucher (total 21,000 voucher per year) and pay only 2,000+GST annual fee.
So, From 2nd year, 1.25 lakhs monthly credit card bill per month (or annual 15 lakhs credit card bill payment), you will earn approx 1.24% Cashback (Total 21,000 cashback voucher after deducted 2,000+GST annual fee).
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Extra Earning -
There are other Cashback voucher benefit too, if you utilize this benefit then your monthly and yearly benefit will increase -
Monthly Cash Back as vouchers on minimum monthly transactions of INR 20,000 on POS/Online payments on below categories:
- 1% cash back as vouchers on Fuel (max up to INR 1,500 per month) (petrol/diesel – MCC 5542, 5541, 5172, 5983)
- 5% cash back as vouchers on Flight booking (max up to INR 500 per month) (travel/flight tickets MCC - 4511, 4722, 3000, 3299)
- 5% cash back as vouchers on OTT subscription & Telecom (max up to INR 500 per month) (MCC 5968, 4899, Telecom MCC - 4814)
Also 2 Complementary Lounge Access per quarter at Domestic Airports (Total 8 Lounge Access per year).
0% Markup on Forex transactions/International Transactions -
Zero Mark up on international Transactions or foreign currency transactions on
Enterprise Debit Card.
Mark-up @ 3.5% plus government levies as applicable will be levied on all
international ATM cash withdrawals.
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More Earning Trick -
You all must have read above that there is a separate 5% cashback up to 500 in Telecom MCC - 4814.
Some Users Told Airtel App - Credit Card bill payment comes under MCC - 4814 (personally not tested).
Also "CHECKOUT FREECHARGE IN" merchant name MCC Code - 4814, Some people use this merchant name to load money on Gosats Wallet load or any other merchant, if you get "CHECKOUT FREECHARGE IN" gateway name via Freecharge gateway then you will get 5% upto Rs500 cashback per month.
Also Freecharge payment merchant name - "Accelyst solution private limited" MCC Code - 4814 (Verify once with RBL customer care)
Ongo Wallet load MCC Code - 4814 but they are now charging for wallet load and Wallet UPI still not live yet.
Few months ago i heard easemydeal app - education payment or Credit card bill payment comes under MCC Code - 4814, maybe now MCC Code is change or i dnt know.
Some people also told Phonepe payment gateway on any merchant payment also comes under MCC Code - 4814, i am not sure which merchant name.
There are many credit card to bank apps available who are using MCC Code - 4814 because we already know many banks are excluded MCC Code - 4814 for credit card spend rewards. It means many we need to find out.
If you know any apps using MCC Code - 4814, let me know in comment section.
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Few important info -
For all cards issued on or after 1st April'24 Amazon brand voucher will be capped to maximum 50% of Joining Vouchers amount credited to the card member. For all cards issued prior to 1st April'24 , no such capping would be applicable.
Please Note: W.e.f May 01, 2024, International transactions and/or transactions carried out on the Merchant Category Codes (MCC – 6012, 6051, 6540, 6211) will be excluded from availing Monthly cashback as voucher/ Annual vouchers.
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Finance
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Credit Card
RBL signature plus holders should be offered free upgrade to Enterprise DC 😂
Which card is better signature plus or enterprises?
@abhishek012 want to open RBL digital savings account showing as 0 balance. Should I go through this account to apply enterprises debit card or this account having any restriction?
Note - open online account, if RBL branch available in your city.
this card does not give rewards correctly.. better to avoid.. I get once or twice for 3-4 months slot. Also fighting with customer care for joining benefit vouchers.. I have been waiting since 4 months..
Many people use on different websites, for example - Cred and paytm not eligible for credit card bill payment.
joining benefit vouchers - some user face similar problem on RBL Signature+ debit card too but after complaint you will get the joining benefit vouchers.
If you read the first comment @MinionPotter and @Saadhav told, they also not receive monthly cashback voucher on RBL Signature+ debit card too.
You all just need to have a little patience. Everyone receives the cashback vouchers. There is sometimes a slight delay, and rarely, it may require filing a complaint, but if you wait, you will receive it. Everyone receives cashback vouchers.
It has never happened that anyone has not received their cashback voucher, except if they were not in an eligible category.
In secret groups on Discord, Telegram, Twitter, and other forums, a huge number of people use the RBL Enterprise debit card for credit card bill payments.
One more thing I'd like to say: for the first time, make a minimum transaction of Rs1 or Rs100 and ask RBL Customer Care for the MCC Code of your transaction. Then, make payments using the same merchant name, so that you can always be 100% sure that you will receive the cashback voucher. Moreover, customer care will also inform you whether you are eligible or not.
One more thing to remember: sometimes 90% of people receive their monthly cashback vouchers, while the remaining 10% might receive them a week later. This has happened many times.
Signature hi badhiya hai
Cud any1 help which ebl account i cud open for best benefits?
VU for the better card than Signature Plus and particularly effort made to provide maximum details in the best possible way.
concerns are what happens if they change terms and conditions of these cards in between just like signature plus?
and also in general we can't pay 1.25L bills every month, so if we pay others bills then there are chances of card/account block, then?
other than CC bills, it seems to be a dud one.
I update the post and add More Earning Trick -
Read the post about separate earning 5% cashback upto Rs500 per month about Telecom MCC - 4814.
Read the post and share some apps if you know which are using Telecom MCC - 4814.
@abhishek012 Did u get voucher for airtel app cc payment under telecom category?
Do a minimum transaction of Rs1 or Rs100 and ask RBL Customer Care for the MCC Code of your transaction. Then, do payments using the same merchant name, so that you can always be 100% sure that you will receive the cashback voucher.
Note - open online account if RBL branch available in your city.
Opened acct.. kitna time lagta hai kit aane me?
@abhishek012 I had made payment from airtel thanks app for cc through signature plus dc. Am i eligible for 1% cb?
Silver color Enterprise card is shwoing in rbl mobile app.. is this same?
Have you tried Airtel or freecharge for cc bill pay? If yes what is mcc?
Airtel App - Credit Card bill payment comes under MCC - 4814 (confirmed now)
Now you will get 5% upto 1000 per month through SBI Unipay, Jio finance app for credit card bill payment (MCC - 4900).
And 5% upto 500 per month on Airtel app Credit Card bill payment (MCC - 4814).
Total monthly Rs1500 cashback.
Is airtel connection required for using airtel app?
1.5%+GST charges but 3.5% Tide Cashback. Use Payzapp Wallet UPI.
@abhishek012 dear payzapp mein account verification nahi ho raha hai new mobile mein login kar raha hoon
I guess they removed amazon and flipkart from vouchers section in order to redeem monthly points
I heard only new user portal Amazon gv is removed but not sure.
Old user portal still have Amazon gv.
Also paid 20k cc bill via airtel app and got 737 points, don't know how the calculation works
Airtel app - maximum you will get 5% upto 500 na ?
And SBI unipay, Jio finance app - 5% upto 1000.
In order to get that extra 5% from Airtel app CC payment do we need to spend another 20k to qualify ? As already gonna spend 20k on Jiopay/Unipay for CC payments.
10k shud give you 500 on airtel app. I also paid 10k on airtel app.. hope wud rcv cashback for that
After how many days usualy we get welcome voucher for this card after spending
Any1 rcvd additional 500 for telecom?
Received Joining vouchers?
As per rbl cust care mcc 4814 is not eligible..
- 5% cash back as vouchers on OTT subscription & Telecom (max up to INR 500 per month) (MCC 5968, 4899, Telecom MCC - 4814)
is unipay still eligible for rbl signature +
What are useful redemption option now for joing voucher
You got it after how many days?
this card does not give rewards correctly.. better to avoid.. I get once or twice for 3-4 months slot. Also fighting with customer care for joining benefit vouchers.. I have been waiting since 4 months..
Many people use on different websites, for example - Cred and paytm not eligible for credit card bill payment.
joining benefit vouchers - some user face similar problem on RBL Signature+ debit card too but after complaint you will get the joining benefit vouchers.
If you read the first comment @MinionPotter and @Saadhav told, they also not receive monthly cashback voucher on RBL Signature+ debit card too.
You all just need to have a little patience. Everyone receives the cashback vouchers. There is sometimes a slight delay, and rarely, it may require filing a complaint, but if you wait, you will receive it. Everyone receives cashback vouchers.
It has never happened that anyone has not received their cashback voucher, except if they were not in an eligible category.
In secret groups on Discord, Telegram, Twitter, and other forums, a huge number of people use the RBL Enterprise debit card for credit card bill payments.
One more thing I'd like to say: for the first time, make a minimum transaction of Rs1 or Rs100 and ask RBL Customer Care for the MCC Code of your transaction. Then, make payments using the same merchant name, so that you can always be 100% sure that you will receive the cashback voucher. Moreover, customer care will also inform you whether you are eligible or not.
One more thing to remember: sometimes 90% of people receive their monthly cashback vouchers, while the remaining 10% might receive them a week later. This has happened many times.
I update the post and add More Earning Trick -
Read the post about separate earning 5% cashback upto Rs500 per month about Telecom MCC - 4814.
Read the post and share some apps if you know which are using Telecom MCC - 4814.
@kaz04
@DimeEarner
@Awake
@Dashing_Dukes
@job4ram
@SSTYM
@Saadhav
@gaibnoor123766
@Alpha_Lion
@maxdealer
Old customers portal Amazon gv is still available.
but another guy told, sometimes Amazon gv was available and he also told he redeem full 100% welcome voucher on Amazon gv.
first time 50% redeem on Amazon gv and then 2nd time he don't remember exactly but he maybe change his name and rest of the 50% voucher again redeem on Amazon gv.
I also received the joining points today .... redeemed 100% on amazon gv