Batmanbaba
TF Legend
I know about visa as I myself use it....not sure about mastercard
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Which Debit Card to use for Credit Card Bill Payment in July 2025
- Thread starter Abhishek012
- Start date
- Replies 6K
- Views 457K
fradela
TF Ace
You need to have salary credit to be eligible for the cashback. I have received in the last 2 months with Savesage and Goodscore.
nikhilv0303
TF Premier
It started working now
MrKant
TF Premier
I used zavo in morning mean while goodsc wasnot working
how much are the charges in goodscore?
saber.mbt
TF Select
For new users Goodscore charge 99 plus 18% GST. Subscription renews automatically unless you cancel from your account settings.
saber.mbt
TF Select
Indusind is not providing option to redeem cashback in new indie app. NetBanking also redirects to indusmoments, it doesn't have cash redemption. I contacted customer care, they replied can't find points in my account. But IVR automation clearly recites available points and also getting SMS from Indusind about available points balance. Customer care asked to mail at reachus@indusind. I mailed 3 days ago yet to receive an response from them. Indusind after indie upgradation testing our patience.
Yes I do have salary account, I was using freecharge till now for cc bill payments but i guess they changed the mcc which i was not aware 🙁
2 days ago i tried Savesage and the mcc is 7392, does this mcc gives cb ?
also i have seen people talking about mcc plus mid combination for hsbc, what is mid and how do we find that ?
Sagar20
TF Neo
Sir Indusind signature select debit card ka system bta do ?Which Debit card use for Credit Card bill payment in July 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)
Reward Rate:-
Type of Program Monthly Point Capping General 8,000 Select 30,000 Wealth 50,000 Private 5,00,000
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 (24th May, 2025)
Use Zavo app and pay via IDFC Firstap RuPay debit card and get rewards.
Zavo Play store app -Zavo Ios store app -
zavo: EMI Payments & Rewards – Apps on Google Play
zavo makes loan & credit card repayments easy & rewarding! Get up to 5% cashbackplay.google.com
zavo: EMI Payments & Rewards
zavo is India’s trusted financial empowerment platform, designed to help you borrow smarter, manage credit efficiently, and achieve financial stability—while earning rewards—all in one place. Whether you need quick funds, want to monitor and improve your credit score, or need expert advice on...apps.apple.com
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 Zavo 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 Physical RuPay Debit cards/SBI Virtual RuPay 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).
Or if you credit card bill is huge then apply SBI Physical RuPay Platinum/Select debit card for higher transaction limit.
W.e.f 5th June, 2025 -
Now all SBI Debit Card - reward value 0.25%
If you spent more than 1 lakh or every 1 lakh spent you will get extra 0.25% milestone rewards
so total 0.50% (if milestone included)
1 reward pts = 0.25 paisa
Monthly reward capping - 10k rewards.
Update - you can do total 10 lakhs spend using SBI RuPay DC and get monthly 10k rewards capping but milestone benefit i think no limit and no monthly capping and not count on monthly rewards capping.
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, Zavo app, 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.
More info visit this thread:
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.
4) HDFC Millennia Debit Card:
There is already a separate post about the HDFC Millennia debit card—read it from here:
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 -
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).
------------------------------------------------------------------------------------------------------------------------------------------------------------
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 -
sahil1033
TF Premier
I've multiple CC bill payments to be done and every time when I pay for 4-5 credit card bills, I get an automated call from IDFC First Bank to mark the transaction as genuine.
Last time, even after marking the transaction as genuine, the debit card wasn't unblocked and I had to contact support executive. After some hassle, the debit card was unblocked.
This time, again, same drill but even after marking transaction as genuine, the debit card isn't allowing me make online payments. I even tried purchasing Rs. 10 Amazon Pay Gift Card but that too failed. I've complained to the bank and they're saying max. turnaround time is 5 days.
It's a regular thing now, anyone else faces this as well? And for the last 2 times, after marking the transaction as genuine over automated call, I'm unable to make payments after the call. I think, if I split making payments in a batch of 3 with gap of 2-3 hours in between, this won't happen but I would like to know from others if they face this too and solution they follow (if any).
Last time, even after marking the transaction as genuine, the debit card wasn't unblocked and I had to contact support executive. After some hassle, the debit card was unblocked.
This time, again, same drill but even after marking transaction as genuine, the debit card isn't allowing me make online payments. I even tried purchasing Rs. 10 Amazon Pay Gift Card but that too failed. I've complained to the bank and they're saying max. turnaround time is 5 days.
It's a regular thing now, anyone else faces this as well? And for the last 2 times, after marking the transaction as genuine over automated call, I'm unable to make payments after the call. I think, if I split making payments in a batch of 3 with gap of 2-3 hours in between, this won't happen but I would like to know from others if they face this too and solution they follow (if any).
currently zavo with IDFC first tap rupay is wokring right for points? Please do confirtm soneone as i need to pay in next 1 hr
Yes it is working
thx a lot
S.B.N.B
TF Premier
Hmm iska koi solution? I mailed but they gave procedure of old internet banking how to redeem.. i replied back.. update yourself before replying.. yet waiting another response
Yes, for now
If you're a first time user, you need to purchase their membership for 99, remember to remove the membership renewal before a month else autopay will deduct 99 for the silly membership.
Tejaa
TF Buzz
SBI Rupay DC got blocked after the second transaction, and now I'm asked to contact the home branch! My home branch got shifted to another district!
When checking the balance through UPI, it's showing only 10rs! Whereas it should show 50K!
Update: The balance was showing only 10rs on UPI apps, checked PhonePe, Paytm, and others. VDC was blocked, and the activation button wasn't working.
Somehow logged into the World's most secure bank's app(SBI Yono app), had to change password, since they think a normal human being should change password every alternate week.
Transferred the whole balance to my other account through the fund transfer option. I am glad it was only 50K, else they wouldn't have allowed that in 1 day. Also, they showed me 5 moral and financial lessons on the screen before I transferred my own money!
When checking the balance through UPI, it's showing only 10rs! Whereas it should show 50K!
Update: The balance was showing only 10rs on UPI apps, checked PhonePe, Paytm, and others. VDC was blocked, and the activation button wasn't working.
Somehow logged into the World's most secure bank's app(SBI Yono app), had to change password, since they think a normal human being should change password every alternate week.
Transferred the whole balance to my other account through the fund transfer option. I am glad it was only 50K, else they wouldn't have allowed that in 1 day. Also, they showed me 5 moral and financial lessons on the screen before I transferred my own money!
Last edited:
M
My experience is not more than 3 transactions in a day on these sites or spread transactions in batch of 2 with some gap. In any case daily limit is 1lacs on rupay tap card. Calls can still come now and then but card doesn't get blocked if these calls are answered.
BhaiyaJi
TF Legend
Did you check account statement. Probably amount got deducted.
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