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

[NikhilG]

Aap jo keh rahe woh sun ne mai accha hai but practical nahi hai.

Banks arent giving anything on rent payment which is a genuine expenses on dc and cc and you expecting banks to openly given 2-3% on CC bill payments. Chindi chor Lotak started giving 1% upto 60 Rs but that is max you can expect.

You can wish but sapne suhane hai bas. Even existing working things won't last long.

Bilkul practical hai, reward points milne ki limit adjust karni padegi. Atleast private valo ke liye hi bill payments pe rp on kardo

 

[Rewardhogger]

@Abhishek012 Bro, after reading your expense card thread, first I applied for the expense card and it got approved quickly. Then to actually start using it, I applied for the SBI Cashback Card last night around 10 PM. Never expected SBI to be this fast! By 10 AM this morning, they came for physical verification, approved me on the spot, and gave me the e-card right away. Now both cards got dispatched together today. Thankyou 👍🏻

Please let me know what is an expense card of sbi and where to apply? I am self employed and so sbi says it can't issue cards to me!

 

[sam john]

If I paid 1 lakh on sbi virtual debit card and another 1 lakh by sbi physical debit card via sbi unipay will I received received the milestone reward for single card or both debit card.

 

[sadhunath]

It isnt really blocked by IDFC.

But phonepe now gives a merchant that doesnt fetch you rewards.

Any other app to use for IDFC debit?

 

[6ix9ine]

If I paid 1 lakh on sbi virtual debit card and another 1 lakh by sbi physical debit card via sbi unipay will I received received the milestone reward for single card or both debit card.

S i n g l e

 

[saber.mbt]

Please let me know what is an expense card of sbi and where to apply? I am self employed and so sbi says it can't issue cards to me!

Cumulative spends. So 1000 points per month

 

[rahulj87]

If I paid 1 lakh on sbi virtual debit card and another 1 lakh by sbi physical debit card via sbi unipay will I received received the milestone reward for single card or both debit card.

Milestone rewards are not calculated per card, it's calculated for account.

 

[neo13]

S i n g l e

Bonus points on every 1 lac irrespective of month or we need to spend 1 lac in a month to get those points? I see that I received only once till now.

And also can see the scrolling that we get milestone rewards at Oct end.

 

[6ix9ine]

Bonus points on every 1 lac irrespective of month or we need to spend 1 lac in a month to get those points? I see that I received only once till now.

In a single month, it will reset to 0. SBI is useless now.

 

[desiviru]

In a single month, it will reset to 0. SBI is useless now.

Yes, some people are not able to digest that SBI is gone and it happened only because some leeches here didn't understood what we were alerting about. They cut the hand that was feeding them slowly. Many were reaching customer care and we all see that end was near.

Now SBI is simply a 0.25% player or 0.50% in bday month. Milstones are delayed for many months which make it useless. SBI rewardz has become what it used to be before. A unexpected player with no timeline respect.

I am satisfied that when not many people knew about SBI, we reaped 3-3.5% from it.

 

[mojo_jojo123]

for InudsInd user whose netbanking / app got migrated to indie .. I read that there is no way to redeem reward points ... is it true ? then what is the point of earning reward

 

[6ix9ine]

Yes, some people are not able to digest that SBI is gone and it happened only because some leeches here didn't understood what we were alerting about. They cut the hand that was feeding them slowly. Many were reaching customer care and we all see that end was near.

Now SBI is simply a 0.25% player or 0.50% in bday month. Milstones are delayed for many months which make it useless. SBI rewardz has become what it used to be before. A unexpected player with no timeline respect.

I am satisfied that when not many people knew about SBI, we reaped 3-3.5% from it.

Indeed, It was fun time 🫂

 

[ash_m]

Yes, some people are not able to digest that SBI is gone and it happened only because some leeches here didn't understood what we were alerting about. They cut the hand that was feeding them slowly. Many were reaching customer care and we all see that end was near.

Now SBI is simply a 0.25% player or 0.50% in bday month. Milstones are delayed for many months which make it useless. SBI rewardz has become what it used to be before. A unexpected player with no timeline respect.

I am satisfied that when not many people knew about SBI, we reaped 3-3.5% from it.

Just to add, the devaluation wasn't just about point accural and milestones.

The points can also no longer be used to pay CC bills on SBI Rewardz. This change happened just a few weeks back this month. There are other options like gift vouchers and utility bill payments - electricity, broadband, mobile recharge etc. For vouchers you cannot pay 100% via points, for utility bills you can. However for both these categories, if you are a high spender you'd likely have some card that already gives accelerated rewards on gift vouchers like AmazonPay, which can be used to pay those utility bills. But yeah, if no other option then utility payment is better option for points redemption IMO.

Personally, I haven't explored their marketplace where you can buy products using points.

 

[6ix9ine]

Just to add, the devaluation wasn't just about point accural and milestones.

Incorrect, SBI reward system has been destroyed. Many don't even know how they were getting points as when it comes to calculations, people run away. They just want someone who can do maths for them.

The points can also no longer be used to pay CC bills on SBI Rewardz. This change happened just a few weeks back this month. There are other options like gift vouchers and utility bill payments - electricity, broadband, mobile recharge etc. For vouchers you cannot pay 100% via points, for utility bills you can. However for both these categories, if you are a high spender you'd likely have some card that already gives accelerated rewards on gift vouchers like AmazonPay, which can be used to pay those utility bills. But yeah, if no other option then utility payment is better option for points redemption IMO.

Personally, I haven't explored their marketplace where you can buy products using points.

This is just a cherry on top, redemption devaluation is different than rewards.