1. When will my Express Rewards be updated on my account?

Express Rewards accumulated under this Program in a month shall be updated by the 10^th of the month succeeding the month when the Express Rewards are earned.

2.How do I track my Express Rewards?

You can track your Express Rewards through 3 channels:

— You can view your Express Rewards Online anytime. All you need is your Customer ID and PAN to know your Express Rewards Online. Click here to view
    Express Rewards earned by you.

— Simply call our 24-hour Phone Banking at 1860 266 6601^#.

— Your monthly banking statement.

1. How do I redeem my Express Rewards?

Once you have collected 400 Express Rewards, you can redeem them for a cash credit into your account by calling our 24-hour Phone Banking or leaving a message for us on your db OnlineBanking account.

2. Will I earn Express Rewards on transactions that have been reversed?

In case of a reversal of any eligible transaction, Express Rewards given as a result of such eligible transaction will be deducted from the earned Express Rewards.

3. What will happen once Express Rewards expire?

Upon expiration, unused Express Reward will be removed as of the expiration date and cannot be re-credited. It is the Savings Account holder's responsibility to be aware of both the number of Express Rewards in his account, and their expiration date.

4. When will my Express Rewards expire?

Express Rewards earned under this Program shall expire 12 months excluding the quarter in which the Express Rewards are earned by the Customer(s).(For example, points earned in Feb & March 2016 will remain valid till March 2017)

5. Can I partially redeem my Express Rewards?

Entire reward points earned at the time of redemption request would be redeemed and there will not be an option for part redemption.

1. How do I get started?

As a Deutsche Bank Savings Account customer, you can now earn Express Rewards on your banking transactions every month. All you have to do is to maintain an average quarterly balance (AQB) of Rs.25,000 or above in the previous financial quarter and transact regularly using your Deutsche Bank Savings Account: Private Banking, Advantage Banking and Other Savings account variants (Value Plus, Savings Account Regular, Expat Savings, Easy Savings, Eve Account, Student Account, Payroll Account and Staff Account).

2. Do I need to register for this program?

No separate registration is required for this program. All Deutsche Bank Savings Account holders will start earning points on the eligible transactions with effect from 1^st July 2013.

3. How do I know whether I am eligible for Express Rewards from 1^st July 2013?

If you have maintained an Average Quarterly Balance (AQB) of     25,000 or above in your savings account during the period 1^st April 2013 to 30^th June 2013, you will automatically be eligible for Express Rewards from 1st July 2013.

4. I have opened my savings account this month, am I eligible for Express Rewards?

Yes, you are eligible for Express Rewards. As a special gesture, the eligibility requirement of     25,000 (AQB) will be waived for a quarter excluding the quarter your account was opened. For example, if you have opened an account during July to Sept 2013, AQB requirement of     25,000 will be waived while calculating Express Rewards on transactions done from July 2013 to 31^st December 2013. Hence the AQB eligibility condition of     25,000 will apply on transactions done from 1^st January 2014. Therefore you have to ensure you meet the AQB requirement of     25,000 in Q4 2013 so that transactions done from 1^st January 2014 are eligible for Express Rewards.

5. Will I earn Express Rewards on my reimbursement account?

No, you will not be eligible for Express rewards on transactions done using your reimbursement account.

6. I have multiple savings accounts with Deutsche Bank, will I earn Express rewards on all accounts?

The following scenarios might apply to you,

Scenario I - You have two savings accounts (singly held) with Deutsche Bank: You will earn Express Rewards on transactions done on both savings accounts, provided AQB requirement is met separately in both savings accounts. Incase AQB is not maintained in one of the Savings account, Express Rewards will not be given on transactions done in  that particular savings account.

Scenario II - You have a savings account (held singly) and also a joint savings account where you are the secondary holder: You will earn Express Rewards on transactions done on both savings accounts, provided AQB requirement is met separately in both savings accounts. Incase AQB is not maintained in one of the Savings account, Express Rewards will not be given on transactions done in that particular savings account.

7. If I do not fulfil the AQB requirement in a given quarter, will I earn Express Rewards?

No, you will not be eligible for Express rewards on transactions done in the subsequent quarter.

8. Are NRI accounts covered under this program?

Transactions on NRE Accounts will be included in this program however NR customers will be able to redeem their points earned on NRE account transactions by crediting their NRO account(s). Therefore clients with only NRE accounts will get excluded from this program, however clients with both NRO and NRE accounts OR only NRO accounts will be eligible for loyalty points.

9. Clients with overdue KYC documents / details updations?

Clients with overdue KYC documents / details will earn points however they will be allowed to redeem these points only once they complete / submit their KYC documents / details.

10. Will I get Express Rewards on Loan EMI if my loan becomes delinquent in a given quarter?

In the event that your Loan account becomes delinquent; you will not earn Express Rewards on transactions done in the subsequent quarter.

11. What is Merchant Category Code (MCC) ?

Card Networks use Merchant Category code (MCC) to classify merchants and businesses by the type of goods or services provided. Card Network, issuers and acquirers can use MCC to categorise, track and restrict transactions.

Transactions with MCC code included in the below table will not be considered for Express Rewards towards Debit Cards.