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

[Lalsingh22]

sbi virtual card mein bonus points kitne k bill payments par milte hai maine 2 bar 50k pay kiya mujhe total 1000 + 1000 bonus virtual use karne ka or 1000 1L milestone ka milla total 3000k milla hai toh kya ab main 50k karunga toh mujhe 500 + 500 bonus 1000 milenge ?

If you have done a transaction of 50K two times means Total 1Lakh.
For payment of 1L through SBI VDC
Normal RPs - 1000
Bonus RPs - 1000
Milestones Benefits RPs - 1000
Total - 1000+1000+1000 - 3000
1RP Value - ₹0.25
Total Amount - 3000×0.25 = 750
Total Reward Return - 0.75%

Maximum limit for RPs through SBI VDC is ₹5L I.e., 10000 RPs Per Month in Normal Months.
For Birthday Month it is ₹2.5L.

Yes, you will still gets point upto 10000/Month.

 

[sadhunath]

I have about 1 lakh credit card bill which is set to HDFC smart pay for auto debit. But since the max points I can earn in HDFC debit card is just 750 points, I want to restrict the auto-payment to only 75k. If I pay 25 k from other portals, would the auto-pay in HDFC change to 75k?

Whatever you do, do it before you receive autodebit notification via email/SMS. because once you get that notification, HDFC autopay won't tolerate any shenanegans from your side and will simply cancel the autodebit.

 

[Pravin1156]

I have also not received, we should receive it by month end ig

Just now received RBL Signature+ Vouchers brother. Check yours too

 

[RAHUL GOYAL]

If you have done a transaction of 50K two times means Total 1Lakh.
For payment of 1L through SBI VDC
Normal RPs - 1000
Bonus RPs - 1000
Milestones Benefits RPs - 1000
Total - 1000+1000+1000 - 3000
1RP Value - ₹0.25
Total Amount - 3000×0.25 = 750
Total Reward Return - 0.75%

Maximum limit for RPs through SBI VDC is ₹5L I.e., 10000 RPs Per Month in Normal Months.
For Birthday Month it is ₹2.5L.

Yes, you will still gets point upto 10000/Month.

ok thanks for info

 

[amazon_fan]

Hi all my update on SBI VDC
It may be useful for many who created recently and also request others to answer few questions.

1. My account is very old without any DC. Created VDC in the first week of March and installed yono app.
2. I saw 100 points credited in the beginning as welcome. Later did several purchases and CC payments, there was no update in the RP.
3. After 45 calendar days, i called CC and asked when RPs would credited, she asked to wait for 45 WORKING days.
4. I had yahoo email id in the past, and 2 years ago changed my email to gmail id.
Why i am telling above email id means, 2 weeks ago, i received one email to my yahoo id from SBI rewards asking to buy GRT jewelry mentioning to use 4400 RPs. I just ignored that email, since i changed my email id 2 years ago, i assumed that email as some promotion from GRT/SBI
5. Last week, 45 working days got over and she again told she is seeing only 100 initial points, no other points were credited and asked me about the transaction details, however i provided the actual purchases from bigbasket , jiomart , amazon ( actually there was 1 purchase and 1 amazon load pay balance). She checked and about to create a ticket. but i suddenly remembered the email i received on my old yahoo id and informed about that.
Now, she started digging more and informed me that i have 2 CIF id. All points were credited just after 7 days of Tx. and she only provided the CIF of the other where RPs are getting credited.
6. Now using that CIF, i redeemed all successfully without any EXTRA charge.

Update to new users
1. RPs get credited after 7 days of Tx, please check under same mobile number if you have different CIF
2. All CC payments from Mobiwick, paytm, phonepe got RPs. All Bigbasket , jiomart, amazon (actual buy) got RPs, However the amazon pay balance load from SBI VDC did not fetch RP.
3. Calculation is very straight forward, if 2500, they just consider the multiples of 200 and credit 24 RP and again one more 24 RP as VDC bonus .
4. Lastly SBI faq clearly mentions that, from May 2024, all exclusions removed to earn RP, except for wallet loading/fund transfer. So CC payment is officially valid
"Please note: From 1’st May 2024, all exclusions on PoS and E-commerce transactions using SBI Debit Cards have been removed, except Fund Transfer transactions from Account to Wallet or Account to Account."

Question. @Abhishek012
1. I see milestone 1000 RPs credited only once even when my PRESENT total valid spend is more than 2 lakhs. Is the milestone credit has any extra T&C ?
Or is it removed ?
2. Is it once in the financial year ?
3. How to map my yono app with the CIF where i am earning RP ? Should i contact branch, SBI cc or rewards CC ?

 

[RAHUL GOYAL]

Hi all my update on SBI VDC
It may be useful for many who created recently and also request for others to few questions

1. My account is very old without any DC. Created VDC in the first week of March and installed yono app.
2. I saw 100 points credited in the beginning as welcome. Later did several purchases and CC payments, there was no update in the RP.
3. After 45 calendar days, i called CC and asked when RPs would credited, she asked to wait for 45 WORKING days.
4. I had yahoo email id in the past, and 2 years ago changed my email to gmail id.
Why i am telling above email id means, 2 weeks ago, i received one email to my yahoo id from SBI rewards asking to buy GRT jewelry mentioning to use 4400 RPs. I just ignored that email, since i changed my email id 2 years ago, i assumed that email as some promotion from GRT/SBI
5. Last week, 45 working days got over and she again told she is seeing only 100 initial points, no other points credited and asked me about the transaction details, however i provided the actual only purchases from bigbasket , jiomart , amazon ( actually there was 1 purchase and 1 amazon load pay balance). She checked and about take ticket. but i suddenly remembered the email i received on my old yahoo id and informed about that.
Now, she started digging more and informed me that i have 2 CIF id. All points were credited just after 7 days of Tx. and she only provided the CIF of the other where RPs are getting credited.
6. Now using that CIF, i redeemed all successfully without any EXTRA charge.

Update to new users
1. RPs get credited after 7 days of Tx, please check under same mobile number if you have different CIF
2. All CC payments from Mobiwick, paytm, phonepe got RPs. All Bigbasket , jiomart, amazon (actual buy) got RPs, However the amazon pay balance load from SBI VDC did not fetch RP.
3. Calculation is very straight forward, if 2500, they just consider the multiples of 200 and credit 24 RP and again one more 24 RP as VDC bonus .
4. Lastly SBI faq clearly mentions that, from May 2024, all exclusions removed to earn RP, except for wallet loading/fund transfer. So CC payment is official valid
"Please note: From 1’st May 2024, all exclusions on PoS and E-commerce transactions using SBI Debit Cards have been removed, except Fund Transfer transactions from Account to Wallet or Account to Account."

Question. @Abhishek012
1. I see milestone 1000 RPs credited only once even when my total valid spend is more than 2 lakhs. Is the milestone credit has any extra T&C ?
Or is it removed ?
2. Is it once in the financial year ?

my points credited next day of the transaction

 

[mobsol2017]

Hi all my update on SBI VDC
It may be useful for many who created recently and also request for others to few questions

1. My account is very old without any DC. Created VDC in the first week of March and installed yono app.
2. I saw 100 points credited in the beginning as welcome. Later did several purchases and CC payments, there was no update in the RP.
3. After 45 calendar days, i called CC and asked when RPs would credited, she asked to wait for 45 WORKING days.
4. I had yahoo email id in the past, and 2 years ago changed my email to gmail id.
Why i am telling above email id means, 2 weeks ago, i received one email to my yahoo id from SBI rewards asking to buy GRT jewelry mentioning to use 4400 RPs. I just ignored that email, since i changed my email id 2 years ago, i assumed that email as some promotion from GRT/SBI
5. Last week, 45 working days got over and she again told she is seeing only 100 initial points, no other points credited and asked me about the transaction details, however i provided the actual only purchases from bigbasket , jiomart , amazon ( actually there was 1 purchase and 1 amazon load pay balance). She checked and about take ticket. but i suddenly remembered the email i received on my old yahoo id and informed about that.
Now, she started digging more and informed me that i have 2 CIF id. All points were credited just after 7 days of Tx. and she only provided the CIF of the other where RPs are getting credited.
6. Now using that CIF, i redeemed all successfully without any EXTRA charge.

Update to new users
1. RPs get credited after 7 days of Tx, please check under same mobile number if you have different CIF
2. All CC payments from Mobiwick, paytm, phonepe got RPs. All Bigbasket , jiomart, amazon (actual buy) got RPs, However the amazon pay balance load from SBI VDC did not fetch RP.
3. Calculation is very straight forward, if 2500, they just consider the multiples of 200 and credit 24 RP and again one more 24 RP as VDC bonus .
4. Lastly SBI faq clearly mentions that, from May 2024, all exclusions removed to earn RP, except for wallet loading/fund transfer. So CC payment is official valid
"Please note: From 1’st May 2024, all exclusions on PoS and E-commerce transactions using SBI Debit Cards have been removed, except Fund Transfer transactions from Account to Wallet or Account to Account."

Question. @Abhishek012
1. I see milestone 1000 RPs credited only once even when my PRESENT total valid spend is more than 2 lakhs. Is the milestone credit has any extra T&C ?
Or is it removed ?
2. Is it once in the financial year ?

Finally you got your points Happy spending with vdc
you will get another 1000 as milestone after somedays wait and watch , even if it didn't get credited at current time all remaining points which you deserve to get will be credited by them in FY end auditing in march-april of next year. Many of peoples here got their last FY pending points in march-april this year

 

[mobsol2017]

my points credited next day of the transaction

sabka alag alag preference hai sbi mai kisiko jaldi milta hai kisiko late par milta jarur hai 😉 SBI ke ghar der hai andher nahi

 

[amazon_fan]

Finally you got your points Happy spending with vdc
you will get another 1000 as milestone after somedays wait and watch , even if it didn't get credited at current time all remaining points which you deserve to get will be credited by them in FY end auditing in march-april of next year. Many of peoples here got their last FY pending points in march-april this year

Ok thank you, that means
1000 points for every 1Lakh spend right ?

 

[Lalsingh22]

Hi all my update on SBI VDC
It may be useful for many who created recently and also request others to answer few questions.

1. My account is very old without any DC. Created VDC in the first week of March and installed yono app.
2. I saw 100 points credited in the beginning as welcome. Later did several purchases and CC payments, there was no update in the RP.
3. After 45 calendar days, i called CC and asked when RPs would credited, she asked to wait for 45 WORKING days.
4. I had yahoo email id in the past, and 2 years ago changed my email to gmail id.
Why i am telling above email id means, 2 weeks ago, i received one email to my yahoo id from SBI rewards asking to buy GRT jewelry mentioning to use 4400 RPs. I just ignored that email, since i changed my email id 2 years ago, i assumed that email as some promotion from GRT/SBI
5. Last week, 45 working days got over and she again told she is seeing only 100 initial points, no other points credited and asked me about the transaction details, however i provided the actual only purchases from bigbasket , jiomart , amazon ( actually there was 1 purchase and 1 amazon load pay balance). She checked and about take ticket. but i suddenly remembered the email i received on my old yahoo id and informed about that.
Now, she started digging more and informed me that i have 2 CIF id. All points were credited just after 7 days of Tx. and she only provided the CIF of the other where RPs are getting credited.
6. Now using that CIF, i redeemed all successfully without any EXTRA charge.

Update to new users
1. RPs get credited after 7 days of Tx, please check under same mobile number if you have different CIF
2. All CC payments from Mobiwick, paytm, phonepe got RPs. All Bigbasket , jiomart, amazon (actual buy) got RPs, However the amazon pay balance load from SBI VDC did not fetch RP.
3. Calculation is very straight forward, if 2500, they just consider the multiples of 200 and credit 24 RP and again one more 24 RP as VDC bonus .
4. Lastly SBI faq clearly mentions that, from May 2024, all exclusions removed to earn RP, except for wallet loading/fund transfer. So CC payment is official valid
"Please note: From 1’st May 2024, all exclusions on PoS and E-commerce transactions using SBI Debit Cards have been removed, except Fund Transfer transactions from Account to Wallet or Account to Account."

Question. @Abhishek012
1. I see milestone 1000 RPs credited only once even when my PRESENT total valid spend is more than 2 lakhs. Is the milestone credit has any extra T&C ?
Or is it removed ?
2. Is it once in the financial year ?
3. How to map my yono app with the CIF where i am earning RP ? Should i contact branch, SBI cc or rewards CC ?

1. No extra T&C - You will get your points within this FY.
2. Right Now, there is no limit on Milestones in a FY.
3. Contact Your Branch

 

[Lalsingh22]

Ok thank you, that means
1000 points for every 1Lakh spend right ?

... Yes ...

 

[2025]

Ok thank you, that means
1000 points for every 1Lakh spend right ?

Right and wrong at the same time.

You discovered many things on your own, hopefully in few days you will get to know about it as well. Good going.

 

[im_Pro]

Can anyone tell when i setup hdfc autopay with platinum dc, should i pay due amount of the credit card that that time?? Or when next bill generate. My credit card current due date is tomorrow.

 

[Lalsingh22]

@2025 Did we get RPs for Fuel on SBI VDC through NFC ?

 

[Sourabh_13]

Through which platform should I pay credit card bills using SBI VDC? Freecharge, PhonePe, or some other platform?

 

[mobsol2017]

Ok thank you, that means
1000 points for every 1Lakh spend right ?

yes their website says so. 1000 points for every 1L spent

 

[mobsol2017]

Through which platform should I pay credit card bills using SBI VDC? Freecharge, PhonePe, or some other platform?

any of your "mentioned" platform is supported if you have rupay vdc

 

[VISION]

Through which platform should I pay credit card bills using SBI VDC? Freecharge, PhonePe, or some other platform?

both are working for SBI VDC

 

[amazon_fan]

Right and wrong at the same time.

You discovered many things on your own, hopefully in few days you will get to know about it as well. Good going.

I know sir, what you meant, to avoid future problems, intentionally mentioned 1L 😎 🙂

 

[2025]

@2025 Did we get RPs for Fuel on SBI VDC through NFC ?

Yes we should get. But I would suggest u to take iocl physical DC for the same. It will give u better return for iocl pumps.