• Earn
  • 1. How do I earn Express Rewards?

    Deutsche Bank Express Rewards are structured keeping you in mind, enabling you to earn maximum Express Rewards while doing your daily banking transactions.  Whether you pay your credit card bills using Deutsche Bank Direct Debit facility, create a Recurring Deposit, Order for a Cheque Book or Pay your phone bills, all these transactions now will help you earn Express Rewards which can be seamlessly redeemed for a cash credit into your savings account. You can earn Express Rewards when you do any of the following:

    Parameters Express  Rewards How to earn Express Rewards
    Monthly Salary Credit 10 Per Instance (once a month)
    Utility Bill Payment 4 Per Instance with minimum bill amount of    200
    db DirectDebit transaction 4 Per Instance with minimum transaction amount of    200. Express Rewards will be given on maximum 10 transactions per month
    Deutsche Bank ATM transactions (Cash withdrawal or Balance inquiry) 5 Per Instance.
    Express Rewards will be given on maximum 10 transactions per month
    Purchases done using Infinite Debit Card* 2 Per    100
    Purchases done using Signature Debit Card* 1.5 Per    100
    Purchases done using Platinum Debit Card* 1 Per    100
    Purchases done using Gold Debit Card* 0.5 Per    100
    Cheque book request through ATM /  db OnlineBanking / Phonebanking (IVR) 5 Per Instance
    Auto Debit for Personal Loan EMIs 5 Per Instance
    Auto Debit for Home Loan EMIs 5 Per Instance
    Auto Debit for Recurring Deposit Instalments 5 Per Instance
    SIP Enrolment 20 Per Instance for every new  SIP enrolment
    Register for only email bank statement (paper statement suppression) 50 One time
    * Debit card purchase transactions for Fuel, Insurance purchase / premium payments, mutual fund transactions or any government payments like taxes, fines etc will not be eligible to earn Express Rewards.


    Bonus Express Rewards
    First Transaction on db OnlineBanking
    Within one month of account opening^: 50 One time
    Within two months of account opening^: 30
    Within three months of account opening^: 20
    Vintage Bonus**
    (Banking relationship vintage will be calculated from the date of launch of the Express Rewards i.e. 1st July 2013)
    Banking relationship > 3 years : 100 Applicable for all accounts where AQB charges have not been levied during said period
     
    Banking relationship > 2 years : 75
    Banking relationship > 1 year : 50
    ^period excludes the account opening month.
    **Not applicable for Deutsche Bank employees.


    Welcome Express Rewards on your Deutsche Bank Debit Card*
    Purchases done using Infinite Debit Card 10.00 per    100
    A maximum cap of 300 Express Rewards per month
    Purchases done using Signature Debit Card 7.50 per    100 A maximum cap of 300 Express Rewards per month
    Purchases done using Platinum Debit Card 3.00 per    100
    A maximum cap of 300 Express Rewards per month
    Purchases done using Gold Debit Card 1.00 per    100
    A maximum cap of 200 Express Rewards per month
    * Applicable for the first two months subject to maximum 150 Express Rewards per transaction


    2. How many Express Rewards can I earn in a month?

    If you are a Private Banking customer:
    You can collect a maximum of '2500 Express Rewards' each month and they will remain valid for period of 12 months excluding the earn quarter. (For example, points earned in Feb & March 2016 will remain valid till March 2017).

    If you are a non-Private Banking customer:
    You can collect a maximum of '1250 Express Rewards' each month and they will remain valid for period of 12 months excluding the earn quarter. (For example, points earned in Feb & March 2016 will remain valid till March 2017).

    3. What is the Rupee value of each Express Reward?

    Each Express Reward is worth    1/-

    4. How many Express Rewards can I earn in a year?

    Earn upto    3810 by simply using your savings account regularly. Here’s an example on how many Express Rewards one can earn on an average, while transacting on your Deutsche Bank savings account:

    Number of Express Rewards that could be earned on your Savings Account
    Transaction No. of Transaction per month Express Rewards /
    Transaction
    Monthly Express Rewards Earned Annual Express Rewards Earned Total
    Salary credit 1 10 10 120
    Utility Bill pay 2 04 08 96
    Use db Direct Debit for paying your credit card bills, Utility bills, Online shopping 3 04 12 144
    Cash withdrawal at Deutsche Bank ATM  3 05 15 180
    SI for Home Loan EMI 1 05 05 60
    SI for Personal Loan EMI 1 05 05 60
    Express Reward Points         660

    Number of Express Rewards that could be earned on your Deutsche Bank Debit Card
    Express Reward Points Monthly Spends
    in    
    Express Rewards /
        100
    Annual Express Rewards Petrol Surcharge Waiver^ Total
    POS transactions using your Deutsche Bank Gold Debit card
    — Grocery in     6000 0.5 420
    — Dining in     5000 0.5 350
    — Other Purchases in     11000 0.5 770
    — Petrol in     5000 1500
    Total 27000   1540 1500 3040
    Grand Total         3700

    ^Petrol surcharge waiver for a Gold Debit card is limited to     150 per month. Reward points are not applicable on fuel purchases. Please note the above figures are indicative and takes into account Welcome Reward points.


    5. Are there any charges applicable for Deutsche Bank Express Rewards?

    No, currently there are no charges applicable for the program.

  • Track
  • 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 10th 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.

  • Redeem
  • 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 by logging into your online banking under General Services - Operative Accounts section.

    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.

  • Eligibility
  • 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     25,000 or above in the previous financial quarter and transact regularly using your Deutsche Bank SavingsAccount. (Private Banking, Advantage Banking, 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 1st July 2013.

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

    If you have maintained an Average Quarterly Balance (AQB) of     25,000 or above in your savings account during the period 1st April 2013 to 30th 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 31st December 2013. Hence the AQB eligibility condition of     25,000 will apply on transactions done from 1st January 2014. Therefore you have to ensure you meet the AQB requirement of     25,000 in Q4 2013 so that transactions done from 1st 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.



# Customers outside India need to dial +91 22 6601 6601. Customers in Mumbai can also call at 6601 6601. Call charges apply.