Which Debit Card to use for Credit Card Bill Payment in May 2025

[Shaktimaan V2.0]

Daily - 50k
Reward points cap per month is 10000. So can pay 5L monthly to achieve max rewards.
In Brithday month half of the above.

 

[Pravin1156]

Is there a monthly/daily capping on SBI VDC?

Monthly Cap is upto 10000RP = Rs.2500
Daily limit for POS is 50000

 

[Pravin1156]

anyone knows Z-A-V=O app's grievance department?

i paid axis bill of ~30k yesterday. still not credited to account. more than 24 hrs passed. (in the app it showed as payment successful)

@Abhishek012

Mine also I paid 26000 using idfc FT in ZAVO still it is pending money got debited

 

[harshraj013]

Is there a monthly/daily capping on SBI VDC?

10000 points per month

 

[karthikbuchi]

@Everybody , how to know FREECHUTIL merchant name is coming or not?. I saved idfc rupay debit card in free charge. but while paying cc bill, it was not showing. hence paid by adding the card and got 0.01 reward points for 100rs.

 

[VSC]

I got my sbi vdc activation bonus today with first transaction on 3rd feb

 

[vinodtoshniwal]

Any one able to pay by ZAVO as I am getting error stating funds not getting collected from Bank, while I check with IDFC bank and they say OTP is triggered so issue is not ours.

 

[Rakshitk99]

@Everybody , how to know FREECHUTIL merchant name is coming or not?. I saved idfc rupay debit card in free charge. but while paying cc bill, it was not showing. hence paid by adding the card and got 0.01 reward points for 100rs.

You got which merchant and also for idfc rupay card reward rate is high even for first 50k you would get 3 on 150 spent. That 0.01 doesn't make sense. Try with higher amount

 

[Cebu]

Any app or way to pay loan repayments and get rewards ? Maybe through dc or some other method ?

 

[Sureya]

I

amex can't be paid using zavo as amex is not BBPS compliant yet. Use SBI VDC to pay at amex billpay site.

I don't have an sbi vdc, having idfc wealth dc, can u pls confirm how I can pay amex bill to get rewards pls..

 

[Abhishek012]

Mine also I paid 26000 using idfc FT in ZAVO still it is pending money got debited

while downplaying our concerns is a neat trick to divert the topic, it seems there's no support available in Zavo app. Phone calls dont get answered, nor does emails. this is even after taking their Prime plan which supposedly gives priority call support via their agents.

Just relax, guys. Payments like Axis-Freecharge, Axis-Innopay, etc., are all still pending for those who paid yesterday morning. It will come in 2–3 days.

Axis Bank cc bill payment often gets delayed.

@quino who told you to purchase Prime plan ?

@pranav raval

 

[Abhishek012]

@Everybody , how to know FREECHUTIL merchant name is coming or not?. I saved idfc rupay debit card in free charge. but while paying cc bill, it was not showing. hence paid by adding the card and got 0.01 reward points for 100rs.

what's the merchant name you get on freecharge ? when adding your card ?

Zavo app - https://play.google.com/store/apps/details?id=com.zavo.app&hl=en_IN

Ios app - https://apps.apple.com/in/app/zavo-rewards-loan-repayment/id6738023310

You can use the Zavo app to pay credit card bills using an IDFC Firstap RuPay debit card and earn rewards.

Note - if otp not receive then check your whatsapp for otp.

 

[nh124001]

what's the merchant name you get on freecharge ? when adding your card ?

Zavo app - https://play.google.com/store/apps/details?id=com.zavo.app&hl=en_IN

Ios app - https://apps.apple.com/in/app/zavo-rewards-loan-repayment/id6738023310

You can use the Zavo app to pay credit card bills using an IDFC Firstap RuPay debit card and earn rewards.

Note - if otp not receive then check your whatsapp for otp.

mcc kya hai zavo ka!??

 

[Abhishek012]

mcc kya hai zavo ka!??

 

[honey_jpr]

mcc kya hai zavo ka!??

Merchant name is Legalpaytech, mcc code unknown for now, but who cares if we are getting reward points with IDFC FirstTap

 

[Cebu]

MCC might be this, Not sure if changed now.

R

Post in thread 'The Zavo App'

Apr 21, 2025

Also what is the MCC? 😅

MCC code is 5413

• rutgersbach

• 
• 

 

[karthikbuchi]

Where to check what is the merchant.

You got which merchant and also for idfc rupay card reward rate is high even for first 50k you would get 3 on 150 spent. That 0.01 doesn't make sense. Try with higher amount

 

[amazon_fan]

Flipkart route also closed...they removed credit card bill payment option

if i remember, it was not giving any RP for indus

 

[honey_jpr]

Where to check what is the merchant.

Call or mail banks customer care to check MMC for the particular txns

 

[honey_jpr]

mcc kya hai zavo ka!??

IDFC First Bank is working fast on the querries, got the revert call for the mcc query within 20 minutes,

ZAVO App Details:
Merchant Name: Legalpaytech
MCC code: 5413

Might change in future, let's see.