Which Debit card use for Credit Card bill payment in May 2025:
1) IDFC Debit cards: All IDFC account holder apply 2nd debit card - Add-on IDFC Firstap Sticker RuPay Platinum Debit Card.
You will get same reward points and 10x reward points benefit as per your account variant - Normal/General, Select, Wealth and Private account.
Apply 2nd IDFC Debit card ( primary visa/mastercard card + this add-on RuPay card both will coexist) from IDFC app, under your debit card section.
If you want to understand it better, think of it like this:
- For an IDFC Normal account – It’s an IDFC Classic/Signature Debit Card, but in the RuPay variant.
- For an IDFC Select account – It’s an IDFC Select Debit Card, but in the RuPay variant.
- For an IDFC Wealth account – It’s an IDFC Wealth Debit Card, but in the RuPay variant.
- For an IDFC Private account – It’s an IDFC Private Debit Card, but in the RuPay variant.
View attachment 84806
IDFC Firstap Sticker RuPay Platinum Debit Card, you will again get welcome bonus (remember - your welcome bonus included in your monthly rewards capping)
2000 welcome reward points on IDFC First normal account using IDFC Firstap Sticker RuPay Platinum Debit Card
4000 welcome reward points on IDFC First Select account using IDFC Firstap Sticker RuPay Platinum Debit Card
8000 welcome reward points on IDFC First Wealth account using IDFC Firstap Sticker RuPay Platinum Debit Card
20,000 welcome reward points on IDFC First Private account using IDFC Firstap Sticker RuPay Platinum Debit Card
Reward system for IDFC First Bank normal account using IDFC Firstap Sticker RuPay Platinum Debit Card -
2000 welcome reward points on IDFC First normal account transaction above Rs. 1000
Online transaction- earn 2 reward points for every Rs. 150 spend
Offline transaction- earn 1 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 150) for every Rs. 150 spent via debit card on incremental spends above Rs. 50,000 in a month.
IDFC First Bank Select account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -
4000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 3 reward points for every Rs. 150 spend
Offline transaction- earn 2 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.
IDFC First Bank Wealth account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -
8000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 4 reward points for every Rs. 150 spend
Offline transaction- earn 3 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.
IDFC First Bank Private account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -
20,000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 6 reward points for every Rs. 150 spend
Offline transaction- earn 4 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.
A monthly reward point accrual capping will be applicable based on user’s program membership. (w.e.f. 1st December 2023)
| Type of Program | Monthly Point Capping |
|---|
| General | 8,000 |
| Select | 30,000 |
| Wealth | 50,000 |
| Private | 5,00,000 |
Reward Rate:-
IDFC First Bank Normal Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.33%
Offline- 0.17%
10X category- 1.67%
Incremental spends above Rs. 50,000: Online- 1.67%; Offline- 1.67%
IDFC First Bank Select Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.50%
Offline- 0.33%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%
IDFC First Bank Wealth Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.67%
Offline- 0.50%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%
IDFC First Bank Private Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 1%
Offline- 0.67%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%
With IDFC, Card Variant don't matter but your account variant decides (use IDFC Firstap Sticker RuPay Platinum Debit Card) -
| S.No. | Account Variant | Max. Pts | Max. Spend |
| 1. | Normal Account | 8000 | Rs.1,60,000.00 |
| 2. | First Select | 30000 | Rs. 3,40,000.00 |
| 3. | First Wealth | 50000 | Rs. 5,36,660.00 |
| 4. | First Private | 500000 | Rs. 50,30,000.00 |
Where to spend ?
Updated -
Use Freecharge app or web for cc bill payment and only "FREECHUTIL" merchant name is eligible for rewards.
How to get FREECHUTIL merchant name ?
Ans - People having saved cards details in the freecharge app or freecharge web will get FREECHUTIL
IF YOU WILL TYPE MANUALLY AND DO GATEWAY WILL CHANGE MCC VERIFIED
Just do Rs100 cc bill pay and save your card or do Rs10 mobile recharge and save your card (Note - Rs10 mobile recharge trick is working for saved card, cc bill pay to save card sometimes not working. So do Rs10 mobile recharge)
Edit - another best trick to save your card, login your freecharge account, go to payment option or freecharge web >> your profile menu >> my account >> saved card >> add new card, or direct login and go to this link here (Pay Rs1 to save your card) -
Do Online Recharge, utility bill payments, dth & fastag recharge with Freecharge pay later option. Download Freecharge app for UPI payments & financial services.
www.freecharge.in
Wait few mins and then re-open freecharge app and check on cc bill pay. Saved card showing or not.
Anything else ?
Earlier, we also get "FREECHARGEPAYMENTTECHNO" merchant name (all big letters) got reward points.
Now we get "FreechargePaymentTechno" merchant name, which is not eligible. If saved card users by chance get "FREECHARGEPAYMENTTECHNO" merchant name (all big letters) then you will get reward points.
Alert - Be careful, both merchant name is same, only difference is that eligible merchant name is all big letter or better to pay only "FREECHUTIL" merchant name.
Phonepe app - Credit Card bill pay via IDFC Firstap Sticker RuPay Platinum Debit Card without any charges -
MCC 4814, if you get these merchant names only - 👇🏼👇🏼
PHONEPE RECHARGE BANGALORE
PHONEPE RECHARGE
Phonepe recharge
WWWPHONEPECOM Gurgaon
WWWPHONEPECOM
WWWPHONEPE
phonepe banglore
phonepe
Phonepe billpayments
Before moving to another debit card, you might ask why we want to use IDFC RuPay?
Answer: Because
"RuPay hai toh zindagi hai!" – okay, sorry, thora bhabnao me bahe gaya
Real answer: The RuPay variant has no extra charges on the PhonePe app.
Second thing: With Visa/Mastercard, some merchant names are not eligible, but with the RuPay variant, you will always get the eligible merchant names I mentioned above.
2) SBI Debit cards/SBI Virtual Debit Cards:
Okay, first go to the SBI YONO app or SBI Net Banking and apply for the "Virtual RuPay Global Variant" (SBI Virtual Debit Card is Lifetime Free).
SBI Physical RuPay DC - reward value 0.25%
SBI Virtual RuPay DC - reward value 0.50% (0.25% extra is due to virtual bonus)
1 reward pts = 0.25 paisa
For a 50k spend using RuPay virtual DC, you will get 500 (base) + 500 (virtual bonus) + 1000 milestone bonus reward = 1% value
Update - you can do total 5 lakhs spend using SBI Virtual RuPay DC and get monthly 10k rewards capping but milestone benefit i think no limit and no monthly capping and not count on monthly capping.
For rest numbers, do your calculations or refer this thread for more information:
Before moving to another debit card, you might ask why we want to use SBI virtual RuPay ?
Answer: Because
"RuPay hai toh zindagi hai!" – okay, sorry, bhabnao me again bahe gaya.
Real answer: Well, the RuPay variant offers rewards at many places—PhonePe, SBI Unipay, PayZapp, Navi, Paytm, Freecharge, BillDesk etc and also no extra charges on some apps using RuPay variant.
You can even pay your Amex and SCB bank credit card bills through BillDesk using RuPay variant.
If you keep using a Visa/Mastercard on just one website, it will get devalued quickly.
The rest is up to you—it's a free country, do whatever you want. But I'll just say, support Indian RuPay card.
3) Bank of India: Better Rewards on All Debit cards (0.46%)
There is a separate post read here and apply Bank of India RuPay Classic/Platinum/Select variant and use on Phonepe app, freecharge app
Why Bank of India RuPay Classic/Platinum/Select variant ?
Answer: Because
"RuPay hai toh zindagi hai!" – okay, sorry, phir se bhabnao me..
Real answer: The RuPay variant has no extra charges on the PhonePe app and Freecharge app.
Hola TFians,
Today I came across Bank of India Debit card rewards which are much better compared to other bank's debit card and shared the same in Profile Post. Although as compared with premium cards but still better for those who don't have costly DCs with them.
Key Points:
1. Rewards Applicable on all kind of payment i.e online/offline incl. CC Bill Pay.
2. Rewards Earning is as follows: Spending (in multiples of 100):
Rs. 100-5000: 1 Reward Point per 100.
Rs...
4) HDFC Millennia Debit Card:
There is already a separate post about the HDFC Millennia debit card—read it from here:
HDFC User - Best Debit Card for 2025 | Which debit card to apply in May 2025:
Ok boyz and beautiful galz
For the past 2-3 weeks, I have been receiving countless messages asking where to use the HDFC Platinum debit card ?
So look, guys I have one good news and one bad news.
The bad news is that the HDFC Platinum debit card is almost useless now.
Actually, there are still some places where you can use it to get 1% rewards cashback.
For example, if you have an Airtel Payments Bank account, you can load money using the HDFC Platinum Visa Variant Debit Card and earn 1% cashback (no...
5) HDFC Platinum Debit Card:
Well, this card is almost dead now, but someone just shared a trick. Read it and try it if you want and first read first few pages comments too -
Updated - This trick is working perfectly -
My experience of getting 1% cashback on HDFC Platinum debit card.
Dec 23 - Opened Savings Max Account and got 'Visa Platinum Debit Card'. Started getting 1% cashback (upto Rs 750) on making payment of ICICI credit card through Bill Pay on HDFC platform. In around 6 months time it stopped automatically.
Nov 24 - Changed the account type to Speciale Gold and also converted to Classic Banking (on request). Placed order for new Platinum Debit Card with hope to get word Classic mentioned it. But again got the same variant 'Visa Platinum Debit Card'. Anyways, again started getting...
6) RBL Enterprise Debit Card:
1st use -
Freecharge app CC bill pay - 1% charges and 5% upto 1000 cashback (Pay 20k cc bill)
Merchant name/OTP SMS - accelyst solution
After transaction - FREECHARGE PAYMENT TEC Gurgaon IN
MCC Code - 4900
Note: 1% charge above 1k CC bill pay & i think 2 times per CC bill pay allowed per month (first time use 1k cc bill pay and ask RBL customer care to verify your MCC Code)
View attachment 84813
Now 2nd time Use -
Phonepe app - (well, you can do 5 times 2k cc bill pay and pay only 0.3% charges + 5% upto 500 Cashback)
Merchant name - phonepe recharge
MCC Code - 4814
"PHONEPE RECHARGE BANGALORE IN" gives 4814 MCC. The prob is that merchant name comes very rare.
OTP SMS - PHONEPE RECHARGE
After transaction - PHONEPE RECHARGE BANGALORE IN
View attachment 84814
7) Kotak 811 Super DC:
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"New updated from SaveSage app - https://play.google.com/store/apps/details?id=com.savesage.club&hl=en_IN
Credit Card bill pay on SaveSage app using Kotak 811 Super DC - 0.59% charges but 5% cashback upto Rs500 cashback per month. Debit card charges: 0.59% , MCC - 7392 (SAVESAGE SOLUTIONS PRI...)"
Note - Transaction under 1975 the charges are 0.59% beyond that it is 1.18%. Do multiple transaction of Rs1900. (1900x5 times + 500 = total 10k transaction).
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Just Dial website -
CC BILL >> DC FEES 2.12%
Merchant Name - IN OTP - WWW JUSTDIAL COM
AFTER TXN - JUSTDIAL47820
MCC Code - 7311 (ADVERTISING SERVICES) FEE 2.12%
What ?
Dnt like 2.12% Debit card fee ? Ok, there is another trick here
Update - Ebixcash currently removed debit card option.
8) RBL Signature+ DC, HDFC Millennia DC, Kotak 811 Super DC -
If you have RBL Enterprise DC then only milestone benefit will count here.
Android users - Use Ebixcash Full KYC Wallet UPI - Here add money MCC Code 5013 or 8999 (both are eligible category)
But remember - daily add money limit is Rs5000 only and no charges for Debit Cards.
New user first time register through Ebixcash website and go to profile and complete Video KYC
Wait few days to your Video kyc approved.
Now download Ebixcash Wallet UPI app (Android only) and use.
Note: Add money through website only and spend money or pay anywhere via Wallet UPI through app only.
All other details, i have a separate post, read here -
(New Update - CC/DC loading is LIVE) Ebixcash Wallet UPI launched:
Now new changes here -
Add money - Utility 4900 MCC Code (Note - you can also ask RBL customer care for 100% confirmation, just do Rs1 add money and ask RBL customer care)
Merchant name - EBIXCASH
Debit card charges - 0.85%+GST = 1% charge (charges deducted after add money)
Loading limit Rs5000 per transaction/day
Use Ebixcash Wallet UPI and Free transfer to bank or pay Credit Card bill via any 3rd party app, like Paytm app choose Ebixcash Wallet UPI app and pay etc...
