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

[H4CK_H0PP3R]

IDFC Rupay NOT working on PhonePe anymore

IDFC Rupay potentially working on Freecharge if you get merchant FREECHUTIL

If you get merchant with "techno" in the name, it won't be eligible for reward points.

Getting the merchant name FREECHUTIL is a little tricky, read through the posts for the potential way to get that particular merchant name

Got it..Thanks bhai

 

[honey_jpr]

TF community is waiting for 12

Then ZAVO to gavo

 

[vaibhav111vaibhav111 is verified member.]

I literally did a 1L transaction just minutes ago . View attachment 96150

View attachment 96151


Look, I might not like how Abhishek bro pushes only rupay is hell bent on making sure it's on equal footing , even at the cost of existing offers or loopholes for other card providers.

But if he says something works on rupay, that's enough trust for me. Dude lives and breathes rupay, you don't need google reviews to check stuff. Just his word.

True I also trust his word didn’t even though of review and payment was instant

 

[Abhishek012]

IDFC Rupay NOT working on PhonePe anymore

IDFC Rupay potentially working on Freecharge if you get merchant FREECHUTIL

If you get merchant with "techno" in the name, it won't be eligible for reward points.

Getting the merchant name FREECHUTIL is a little tricky, read through the posts for the potential way to get that particular merchant name

Zavo app, Play store - https://play.google.com/store/apps/details?id=com.zavo.app&hl=en_IN

IOS Store - https://apps.apple.com/in/app/zavo-rewards-loan-repayment/id6738023310

You can use the Zavo app to pay credit card bills using an IDFC Firstap RuPay debit card and earn rewards.

 

[mojo_jojo123]

I did one payment now using IDFC .. got 10x points instead of 1x .. isn't it new month now for IDFC ?

 

[quino]

anyone can share referral link of this Z>A>V>O app

 

[sumanjay]

I did one payment now using IDFC .. got 10x points instead of 1x .. isn't it new month now for IDFC ?

Not yet, I tried to pay 1k and received no points. (Already exhausted last month quota for max wealth account RPs)
Probably they consider UTC Time for points so new month would start after 5:30 AM.

 

[honey_jpr]

paid 62631 through ZAVO, got around 4250 reward points instantly on normal IDFC account

 

[honey_jpr]

anyone can share referral link of this Z>A>V>O app

Check your dm

 

[2025]

I did one payment now using IDFC .. got 10x points instead of 1x .. isn't it new month now for IDFC ?

Not yet, I tried to pay 1k and received no points. (Already exhausted last month quota for max wealth account RPs)
Probably they consider UTC Time for points so new month would start after 5:30 AM.

Continue doing small small txn to let us know exactly how they devide months. +5:30hrs or +9:30hrs? Or others?

 

[honey_jpr]

Continue doing small small txn to let us know exactly how they devide months. +5:30hrs or +9:30hrs? Or others?

Exhausted last months 8k points on normal idfc account, did txns and got the reward points at 12 30 instantly

 

[Rakshitk99]

Freecharge isn't even showing my saved rupay dc which showed freechutil till yesterday. It has removed the saved card option itself and when you manually type it gives freecharge techno one which isn't eligible. Zavo gave the points instantly and saved my 10x for April.

 

[honey_jpr]

Freecharge isn't even showing my saved rupay dc which showed freechutil till yesterday. It has removed the saved card option itself and when you manually type it gives freecharge techno one which isn't eligible. Zavo gave the points instantly and saved my 10x for April.

Same happened to me, then I paid using ZAVO

 

[2025]

Continue doing small small txn to let us know exactly how they devide months. +5:30hrs or +9:30hrs? Or others?

Exhausted last months 8k points on normal idfc account, did txns and got the reward points at 12 30 instantly

Good to know. So IDFC Rupay +00:30. Will remember.

 

[Abhishek012]

I did one payment now using IDFC .. got 10x points instead of 1x .. isn't it new month now for IDFC ?

Morning 6 am se pahele toh transaction karne he nahi chahiye new month k.

Exhausted last months 8k points on normal idfc account, did txns and got the reward points at 12 30 instantly

Good

 

[honey_jpr]

Morning 6 am se pahele toh transaction karne he nahi chahiye new month k.

Any specific reason!

 

[Abhishek012]

Any specific reason!

ab mil raha 12:30 am k baad toh ok.

 

[honey_jpr]

ab mil raha 12:30 am k baad toh ok.

Pehle 2k txn try kiya toh mila, then did rest even exactly at 12:21am

 

[2025]

ab mil raha 12:30 am k baad toh ok.

Haar bank ka alag alag hay. I have seen HDFC even push 31st transaction into next month. RBL don't. AU at sharp 12:00. Every bank has their own setting not necessarily related to card network.

 

[Abhishek012]

Haar bank ka alag alag hay. I have seen HDFC even push 31st transaction into next month. RBL don't. AU at sharp 12:00. Every bank has their own setting not necessarily related to card network.

Amex toh America k time se chalta hai.