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

[Abhishek012]

@Abhishek012 Commander my account upgraded to Select. I already got 2000 points for the normal account. Will I get 4000 points more on doing a transaction using Firsttap on Zavo or should I use the Select debit card directly somewhere to get the welcome benefit points?

Yes, use same Firstap on Zavo and get 4k welcome points too. No need to use Select Visa debit card.

 

[Abhishek012]

as per the instructions, RPs from the newly issued VISA card

I'll try with newly issued VISA too, and update if any rewards gained

No need to use useless visa card.

Use Same your old Firstap RuPay card and again get welcome rewards on your old upgraded account.

 

[Pranay7]

I know this might not be the thread but if possible please help.
Have to pay GST challan tomorrow. I have already applied for floater Hdfc biz black on infinia but it may take sometime and payment has to be done by tomorrow. So will IDFC visa debit card give reward points for payment of gst or if any other possible way to get rewards for the gst payment.... any other debit card or any other way?
Thanks!
@Abhishek012 can u help bro!

 

[knight]

Since zavo has been removed from apple app store.. is there any other options to use IDFC?

[can't sideload on my apple, and don't have an android at the moment]

 

[Mcdatptpssb]

Hey folks,

I’m using a Kotak 811 Super Debit Card (RuPay) and trying to pay my credit card bill via Zovo. But Zovo only supports RuPay debit cards, and I’m wondering:

1. Is there any other way to pay credit card bills using a debit card (especially RuPay) if Zovo doesn’t work or has limitations?
2. What’s the MCC code for Zovo bill payments? I couldn’t find a definitive answer, and I know MCC codes can affect cashback eligibility.
3. Do I need to subscribe to Zovo Prime to get rewards and cashback on bill payments?
4. Also, what’s the actual use of Zovo Coins? Can they be redeemed for anything meaningful or are they just vanity points?

Would love to hear from anyone who’s tried this combo or has insights into maximizing rewards with Kotak 811 Super + Zovo.

Thanks in advance!

 

[Prem03]

Yes, use same Firstap on Zavo and get 4k welcome points too. No need to use Select Visa debit card.

Yes, got the points instantly.
@Amit_1 @Abhishek012 Thanks.

 

[LHR]

Hey folks,

I’m using a Kotak 811 Super Debit Card (RuPay) and trying to pay my credit card bill via Zovo. But Zovo only supports RuPay debit cards, and I’m wondering:

1. Is there any other way to pay credit card bills using a debit card (especially RuPay) if Zovo doesn’t work or has limitations?
2. What’s the MCC code for Zovo bill payments? I couldn’t find a definitive answer, and I know MCC codes can affect cashback eligibility.
3. Do I need to subscribe to Zovo Prime to get rewards and cashback on bill payments?
4. Also, what’s the actual use of Zovo Coins? Can they be redeemed for anything meaningful or are they just vanity points?

Would love to hear from anyone who’s tried this combo or has insights into maximizing rewards with Kotak 811 Super + Zovo.

Thanks in advance!

SaveSage app for Kotak 811 Super

 

[Prem03]

No need to use useless visa card.

Use Same your old Firstap RuPay card and again get welcome rewards on your old upgraded account.

This Visa is not useless. It's Visa Infinite, very useful for the BMS offer

 

[TEMPER]

Yes, got the points instantly.
@Amit_1 @Abhishek012 Thanks.

you got already bonus points with same first tap earlier?

 

[CC_Exuberant]

I see 30k reward points on my app but not able to redeem it from reward portal , is there any timeline to be activated to redeem?

 

[Abhishek012]

I know this might not be the thread but if possible please help.
Have to pay GST challan tomorrow. I have already applied for floater Hdfc biz black on infinia but it may take sometime and payment has to be done by tomorrow. So will IDFC visa debit card give reward points for payment of gst or if any other possible way to get rewards for the gst payment.... any other debit card or any other way?
Thanks!
@Abhishek012 can u help bro!

Visa DC maybe charge some extra fee for GST challan, use IDFC Firstap RuPay DC.

 

[Abhishek012]

I see 30k reward points on my app but not able to redeem it from reward portal , is there any timeline to be activated to redeem?

14 working days.

 

[Prem03]

you got already bonus points with same first tap earlier?

Yes, 2000 for normal and 4000 more after the select upgrade. Used the same Firstap.

 

[CardholderCCDC]

SaveSage app for Kotak 811 Super

MCC for SaveSage changed from 7399 to 8931 to 5454.
Kotak 811 super card gave cashback today for the transactions done in May when MCC was 7399.
Does anyone know what is the MCC now? @Abhishek012

savesage works for kotak super dc but it has 1%+gst charges

 

[amazon_fan]

Loot - 5% cashback coin on Credit Card bill pay & 2% on subsequent payment (Redeem on Amazon gv)​

Read the full post carefully, and I had also shared proof of the 5% cashback coins, which I redeemed as an Amazon gift voucher (1 coin = ₹1). 5% and 2% cashback coins will credit within a week.

A

Thread 'Loot - 5% cashback coin on Credit Card bill pay & 2% on subsequent payment (Redeem on Amazon gv)'

Jun 11, 2025

Loot - 5% cashback coin on Credit Card bill pay & 2% on subsequent payment (Redeem on Amazon gift voucher)

Updated - Cashback coins now credited within 2 hours.

App link -

Aditya Birla Capital: Loans, Investments, Insurance, UPI & Bill Payments and More

Discover a world of financial solutions at Aditya Birla Capital – your trusted partner for investments, insurance, loans, and a wide range of financial services in India.

invite.adityabirlacapitaldigital.app

Note - Old user also working, if you already paid credit card bill last month.

Short Explain -

First time pay Rs5000 during offer period & get 5% upto 250 (first time 5k compulsory during offer period to get 250).

Then 2nd time pay Rs12,500 & get full 2% upto 250 (minimum 2k...

• Abhishek012
• 5% cashback amazon amazon gv cashback coin credit card credit card bill hdfc idfc loot mastercard payment sbi visa
• Replies: 254
• Forum: Credit Card Offers

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Bro thanks for the good working info.

I paid 5k and got 250 coins. thanks

But before paying another 12.5k , i just did math wrt IDFC (after 50k), here i would get Rs 312.5.
If IDFC guys not crossed 50k for the month, still it is good offer, but for others need to check once right ?

 

[Sudbht]

Since zavo has been removed from apple app store.. is there any other options to use IDFC?

[can't sideload on my apple, and don't have an android at the moment]

Nothing as of now. Have to wait for our commander to reveal new app.

 

[Sudbht]

Bro thanks for the good working info.

I paid 5k and got 250 coins. thanks

But before paying another 12.5k , i just did math wrt IDFC (after 50k), here i would get Rs 312.5.
If IDFC guys not crossed 50k for the month, still it is good offer, but for others need to check once right ?

you can do another 12.5K as IDFC will have redemption charges as well and Coins are almost instant credited and redeemable on that app.

 

[SatyG]

Is Zavo a reliable, stable app? Can people actively using it confirm this? It's a pretty new app 8 months old. Are transactions getting stuck?

 

[prankster]

Is Zavo a reliable, stable app? Can people actively using it confirm this? It's a pretty new app 8 months old. Are transactions getting stuck?

Yes, it's been reliable. It's transactions get stuck, refund usually comes in 5-7 working days

 

[Phonix_YT]

Bro thanks for the good working info.

I paid 5k and got 250 coins. thanks

But before paying another 12.5k , i just did math wrt IDFC (after 50k), here i would get Rs 312.5.
If IDFC guys not crossed 50k for the month, still it is good offer, but for others need to check once right ?

Is this still working?