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

[darkjediknight]

What's sbi vdc?

Virtual debit card

 

[NikhilG]

Virtual debit card

Okay, so it's free of cost for basic account?

 

[iamgroot]

rbl bank issued 3dc on same account

2 sig+
1 edc

Esa hua kabhi pehle?🤔

 

[desiviru]

Okay, so it's free of cost for basic account?

VDC can be generated for nearly all savings account in SBI and it is free for all. Most banks offer VDC for free incl. PNB. Some charge nominal fee of Rs.25.

 

[hender]

VDC can be generated for nearly all savings account in SBI and it is free for all. Most banks offer VDC for free incl. PNB. Some charge nominal fee of Rs.25.

Do we have thread on this..
or if you can share ..like
PSB
BOI
BOM
...
Via - MB/NB ?

 

[Pachiboy]

What's sbi vdc?

Sbi's Virtual Debit Card which used to give good cashback but now I don't think u need to know about it. It's devalued now

 

[paipurivamsi]

If I pay CC through good score by HDFC Millenia Debit Card, will I get cashpoints @ 2.5%? MCC is 5399

 

[Ra.One]

For the transaction I did on 1 june on axis app it was working... Mcc 6300

I paid a bill of 20k and 15k in early may and another 15k on 23rd May via axis bank on FREECHUTIL.
Got only ₹350 for these transactions.
Has FREECHUTIL MCC changed and no longer providing points for SPDC? Can anyone confirm?

 

[Prem03]

Can anyone please confirm how much time do they take for the refund?
As per the mail, they have initiated the refund, so do I need to contact customer care or will it come itself?

 

[yz_007]

Used idfc rupay with Zavo app in the evening yesterday and still haven't received points. Used to be instant the day before.

 

[Amit_1]

Used idfc rupay with Zavo app in the evening yesterday and still haven't received points. Used to be instant the day before.

which account variant you have, check if you have reached the monthly capping !

 

[yz_007]

which account variant you have, check if you have reached the monthly capping !

Wealth. Total spend in the month before the transaction was 4.6L and the new transaction was 70k. So, was within the limits

 

[amazon_fan]

Wealth. Total spend in the month before the transaction was 4.6L and the new transaction was 70k. So, was within the limits

Count the points you received. Did you receive 8k points this month ?
Is the total POINTS less than 50k ?

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

 

[yz_007]

Count the points you received. Did you received 8k points this month ?
Is the total POINTS less than 50k ?

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

Don't know the exact points count at beginning of month. But cards I have are over a year old. And have been transacting regularly. So, don't think its something to do max points limit

 

[amazon_fan]

Don't know the exact points count at beginning of month. But cards I have are over a year old. And have been transacting regularly. So, don't think its something to do max points limit

Ok .

I am about to make 95k cc payment through zavo+idfc rupay, now need to check with others if they are also not getting instant RPs

Only possibilities are
1. acc is new - wait for 14 days
2. Max RP cap reached for month
3. Wait for 24 hours
4. Party gone 🙂

So your possibility could be #3 to wait for 24 hours. Please post tomorrow, based on your reply i will do, else go for SBI VDC

Others, any latest update from you ?

 

[yz_007]

Just tried a transaction of 100 and I did get the points. So, it's definitely working and I'm within the limits. Just missed on the last transaction and will wait out 24hrs and see

 

[Amit_1]

Wealth. Total spend in the month before the transaction was 4.6L and the new transaction was 70k. So, was within the limits

If you're under limits wait 2-3 days atleast, afterwards you can try connecting customer support asking for the reward points status ..

 

[rafzy]

I paid a bill of 20k and 15k in early may and another 15k on 23rd May via axis bank on FREECHUTIL.
Got only ₹350 for these transactions.
Has FREECHUTIL MCC changed and no longer providing points for SPDC? Can anyone confirm?

I was trying to pay axis cc bill via the axis app using my rbl spdc and the merchant name was showing as "Freecharge Payment Technologies Pvt Ltd". Would I get reward points on this or not? Do you know?

 

[Sahil_07]

I was trying to pay axis cc bill via the axis app using my rbl spdc and the merchant name was showing as "Freecharge Payment Technologies Pvt Ltd". Would I get reward points on this or not? Do you know?

do transaction and know the mcc

 

[Ra.One]

I was trying to pay axis cc bill via the axis app using my rbl spdc and the merchant name was showing as "Freecharge Payment Technologies Pvt Ltd". Would I get reward points on this or not? Do you know?

FREECHUTIL or Freecharge Payment Tech have same MCCs. Have got points for both before.
But sniffing around in other threads, it seems Freecharge has changed its MCC. Hence even I didnt get points for my 23rd May transaction. I just wanted to confirm the same, hence asking.