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

2025, thanks for your explanation. However, I have to say something here


I have explained atleast 7-8 times in last 6 months on the question that you ( @thomas.lunakutty ) are asking now. Similar question was asked by atleast 20-25 members earlier.

Why you guys are bring this thing again and again into discussion?

hmmm maybe because this is a forum? That's how forums work?

Look, I get it .....

We have patiently answered most of them

Yes, you are doing a free service, and for that myself and plenty of people are grateful. However, you have to realize, when the webpage says one thing and the very first post, a wiki that's meant to summarize, a wiki that everyone lands on as their first spot says something contradictory, people are going to ask questions.

You are not obligated to answer any of them. You don't owe anyone anything. You are completely justified if you have some super cool piece of secret info that gets you 20% cash back on CC payments and you choose to gatekeep between just a few folks in a super private forum.

However, you can't help people asking about it in a public forum.


Bringing too much discussion on this may attract devaluation. So we are ignoring as much as we can.

If this is indeed the case, let's change the wiki to simply match what's in the website. If the wiki is going to say milestone reward at 50k, it's going to attract discussion whether you like it or not. And if not you, someone else is going to talk about it, attracting devaluation anyway.
 
if ur a new customer then it will take 2-3months.
if ur old customer then it will take 2-3days
Will this include base points + bonus points timeline?.Also, i saw some activation bonus too..When this will get credited, if criteria met?

  • Activation Bonus:Earn up to 300 Bonus Reward Points on making 3 payments with your new SBI Virtual Debit Card, online or in-store, within 2 months of issuance with minimum transaction of Rs.2000/- 1st Use- 50
    2nd Use- 100
    3rd Use -150
 
Will this include base points + bonus points timeline?.Also, i saw some activation bonus too..When this will get credited, if criteria met?

  • Activation Bonus:Earn up to 300 Bonus Reward Points on making 3 payments with your new SBI Virtual Debit Card, online or in-store, within 2 months of issuance with minimum transaction of Rs.2000/- 1st Use- 50
    2nd Use- 100
    3rd Use -150
I activated my VDC in February and got activation Bonus in May
 
2025, thanks for your explanation. However, I have to say something here


hmmm maybe because this is a forum? That's how forums work?

Look, I get it .....


Yes, you are doing a free service, and for that myself and plenty of people are grateful. However, you have to realize, when the webpage says one thing and the very first post, a wiki that's meant to summarize, a wiki that everyone lands on as their first spot says something contradictory, people are going to ask questions.

You are not obligated to answer any of them. You don't owe anyone anything. You are completely justified if you have some super cool piece of secret info that gets you 20% cash back on CC payments and you choose to gatekeep between just a few folks in a super private forum.

However, you can't help people asking about it in a public forum.

If this is indeed the case, let's change the wiki to simply match what's in the website. If the wiki is going to say milestone reward at 50k, it's going to attract discussion whether you like it or not. And if not you, someone else is going to talk about it, attracting devaluation anyway.
Even though I agree with most of your statements, I am still amazed to see that you prefer to respond to me point by point. But not even once did you accept that you missed the proper interpretation of the statements written in the banking page, even though you got a hint from the Wiki you are referring to.

Instead, you preferred justifying your repetitive questions.

Is it too tough to accept that you misread that website statement? If you read those statements again on your referred webpage, you may realise what I am talking about.

Let me say it again, loud and clear: How much you understand from a written statement and a wiki post depends on your ability to interpret things and how much you trust. @Abhishek012 is one of the most trusted guys in this forum, even though many dislike his approach to go all out in public.

You have to ask to understand, does not mean everyone has to ask. Everyone's IQ level is not the same, buddy. Move on.
I'm sorry. In the future, I will try to avoid responding to your queries, as you said, someone will answer them anyway. That's me. I keep my own space.
 
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I am using SBI Virtual Visa DC to pay CC Bills and still getting bonus rewards. Is there any extra benefit of Rupay VDC?
RuPay variant give you more options to pay.

like you can pay through paytm app, phonepe app, freecharge, billdesk website etc and no extra charges.


Amex and SCB bank cc bill also supported via billdesk using RuPay variant.

Amex - https://www.billdesk.com/pgidsk/pgmerc/amexcard/amex_card.jsp

SCB - https://pgi.billdesk.com/pgidsk/pgmerc/standardchartered/scb_card.jsp

Axis (Axis RuPay CC user choose mastercard option and proceed) - https://pgi.billdesk.com/pgidsk/pgmerc/axiscard/axis_card.jsp

SBI Card - https://pgi.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp

SBM bank - https://pay.billdesk.com/cardnet-instapay/sbmcard

yes bank - https://pgi.billdesk.com/pgidsk/pgmerc/ybkcard/YBKCARDDetails.jsp

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

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

paytm app - https://play.google.com/store/apps/details?id=net.one97.paytm&hl=en_IN
 
Will this include base points + bonus points timeline?.Also, i saw some activation bonus too..When this will get credited, if criteria met?

  • Activation Bonus:Earn up to 300 Bonus Reward Points on making 3 payments with your new SBI Virtual Debit Card, online or in-store, within 2 months of issuance with minimum transaction of Rs.2000/- 1st Use- 50
    2nd Use- 100
    3rd Use -150
base points:2-3days.
bonus: a day after base points.
activation bonus: between 90-120days
 
MOBIKWIK ,,,,working , insurance mcc aya tha sayed . ( cred app detect my bank spend on MobiKwik as insurance ). And sbi giving rp* + extra 10-20 ka profit
 
RuPay variant give you more options to pay.

like you can pay through paytm app, phonepe app, freecharge, billdesk website etc and no extra charges.


Amex and SCB bank cc bill also supported via billdesk using RuPay variant.
It seems Billdesk MCC for AmEx and SC is now 6012 which is considered as CC bp atleast by IDFC.

Freecharge doesn't show saved DCs for CC bill pay options! (see below)

Please help, how to get rp from idf or rb spdc for huge cc bp!

WhatsApp Image 2025-05-06 at 15.05.27.webp
 
It seems Billdesk MCC for AmEx and SC is now 6012 which is considered as CC bp atleast by IDFC.

Freecharge doesn't show saved DCs for CC bill pay options! (see below)

Please help, how to get rp from idf or rb spdc for huge cc bp!

View attachment 96536
new trick -

Savesage app is good option and 1.18% charges but IDFC Visa/master/RuPay DC give you 2.5% cashback (or normal idfc acc - 1.67%)

when you cross 50k, you will get profit.

minimum pay atleast 1 lakh bill or more than 1 lakh bill huge profit.

Note - first time user pay minimum Rs300 to check reward and everything working perfectly or not (cc bill pay under Rs1975 - 0.59% charges on savesage).
 
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