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

[TripleAce]

Any update on Zavo or it’s end is near?

 

[Half Human]

andi mandi shandi

Jo "R" wale app ka nam nhi bataye
................................

Same here.

Is the pro plan worth for someone with one or two points based cards - say and Atlas and a Regalia Gold?
In other words, I am looking to know what exactly does it offer?

Card bill payment reminder - Almost all apps provide this, I don't find any value there.
See cards - I don't want to see all my cards in one place, again all other apps provide this feature as well.
Spend pattern - This is good to an extend, but not all spends are categorized correctly. (like self UPI transfer etc)
Apart from that I have not linked gmail, so I am not sure how it tracks reward points. But again asking - is it useful for people with 2-3 reward points cards?

No bro. It's worth crap only.
The creator of the app, here in TF only, the only USP of it is it's CC bill MCC. He is selling his app on that only. Even the recent loot offer for elite for rs 8 was no error - I believe - , but possibly a master plan to acquire customer base and raise some funds.

This app has no legs and hence of no use.
THe only was for the company to earn is by tweaks and lies.

Not worth any rupee cardio bro

 

[sathish593]

Thank you.. this worked with visa DC. Got credit of RP immediately.. but can't understand the reward point calculation... Got 6340 RP on payment of 98669(bill amount)+592(0.6%charge by phonepay)=99261.
I have IDFC wealth DC

i got the same merchant code, paid with my visa dc.. but didn't get the reward point's

 

[suresh2024]

Is the pro plan worth for someone with one or two points based cards - say and Atlas and a Regalia Gold?
In other words, I am looking to know what exactly does it offer?

Card bill payment reminder - Almost all apps provide this, I don't find any value there.
See cards - I don't want to see all my cards in one place, again all other apps provide this feature as well.
Spend pattern - This is good to an extend, but not all spends are categorized correctly. (like self UPI transfer etc)
Apart from that I have not linked gmail, so I am not sure how it tracks reward points. But again asking - is it useful for people with 2-3 reward points cards?

once many users buy the pro/elite plan, there is a chance of changing the MCC code without prior notice and loosing the rewards. Then you cannot blame anyone. This is a clear trap. If the founder is really caring that much for his app, he need to provide the option for everyone. He is just in greedy of money by selling the subscriptions. Please underrate it in playstore/appstore. Then the Rupay DC option might come for everyone.

 

[sathish593]

Hey, I did the same as you mentioned but I did not receive the RP. I am using IDFC Visa Infinite DC. I got sms with phonepe lower caps. Am I missing anything?. I tried multiple times and got the same result. Today is the last date to clear my cc dues. Any help would be appreciated. TIA

still didn't get the reward points?

 

[Rajkumar_Chandrabose]

still didn't get the reward points?

No bro 😥

 

[an.mah]

once many users buy the pro/elite plan, there is a chance of changing the MCC code without prior notice and loosing the rewards. Then you cannot blame anyone. This is a clear trap. If the founder is really caring that much for his app, he need to provide the option for everyone. He is just in greedy of money by selling the subscriptions. Please underrate it in playstore/appstore. Then the Rupay DC option might come for everyone.

There is greed all around.
Why are we looking for Debit card payment option. We could easily pay from our bank account. Its greed.

Creating and running an app is not cheap. So, it is up to them to charge whatever they see as fair.

Let us be fair to them and buy (or not) based on its benefit to us. Will I buy at this price. No. Simply because the MCC will change when there is enough volume for the banks to notice. Or they will get blocked by the bank like Z.

No wrong ratings. Rate negatively (or positively) if that is true. At the same time, for Savesage, please come up with a better approach with maybe lower subs price for lower volume customers and shorter time duration.

 

[knight]

There is greed all around.
Why are we looking for Debit card payment option. We could easily pay from our bank account. Its greed.

Creating and running an app is not cheap. So, it is up to them to charge whatever they see as fair.

Let us be fair to them and buy (or not) based on its benefit to us. Will I buy at this price. No. Simply because the MCC will change when there is enough volume for the banks to notice. Or they will get blocked by the bank like Z.

No wrong ratings. Rate negatively (or positively) if that is true. At the same time, for Savesage, please come up with a better approach with maybe lower subs price for lower volume customers and shorter time duration.

Even a monthly subscription like good score would have been smarter.
As most of the scepticism is around the remaining life of the trick.

 

[c00lhack]

Do the IDFC reward points gets instantly reflected in app to check?

 

[harshraj013]

Do the IDFC reward points gets instantly reflected in app to check?

Y e s

 

[ashu.aqua.fish]

Do the IDFC reward points gets instantly reflected in app to check?

MOV for Checking IDFC Rewards?...

 

[mojo_jojo123]

phonepay charges 0.3% for Visa amount upto 2000 and above it 0.6% .. I think this is best so far now

 

[gunadeepak10]

phonepay charges 0.3% for Visa amount upto 2000 and above it 0.6% .. I think this is best so far now

IDFC blocked my card yesterday after 8 payments of 2000. How to avoid this? Customer care said card is not blocked but payments are failing. Any solution for this?

 

[sparkit]

IDFC blocked my card yesterday after 8 payments of 2000. How to avoid this? Customer care said card is not blocked but payments are failing. Any solution for this?

It will be unblocked after 24 hrs.

 

[ashu.aqua.fish]

phonepay charges 0.3% for Visa amount upto 2000 and above it 0.6% .. I think this is best so far now

what should be the merchant name both in payment page and otp to get any cashback/reward?

 

[suresh2024]

phonepay charges 0.3% for Visa amount upto 2000 and above it 0.6% .. I think this is best so far now

any specific merchant name to get rewards from phonepe or any name?

 

[Adith]

Same here.

No bro. It's worth crap only.
The creator of the app, here in TF only, the only USP of it is it's CC bill MCC. He is selling his app on that only. Even the recent loot offer for elite for rs 8 was no error - I believe - , but possibly a master plan to acquire customer base and raise some funds.

This app has no legs and hence of no use.
THe only was for the company to earn is by tweaks and lies.

Not worth any rupee cardio bro

Sorry but this is such a bad perspective that it almost feels like a rant without any substance.

Like I mentioned earlier , I've been using the app for a while now , since early development that too. The actual USP is to have a one stop solution to all cards and hotel/ airline travel loyalty info. That's the actual USP of this app.

Whatever you are talking about was not even there in the original design and was added later.

If I look at a card , it tells me what charges it has , lounge benefits , where I earn what reward points etc . It also tells me what doesn't earn RP or CB on dedicated spends like utilities etc .





I am showing for axis airtel..it does this for all my cards so I don't constantly need to Google stuff or always remember everything.

If I look at loyalty programs it collates everything at one spot . It also shows transfer in and transfer out rates , tiers , benefits etc.



For marriot from amex


Stuff like this along with their expense tracker ( which still sucks btw ) is the actual USP of this app for which you pay money for. Even then, I dint pay 5k , i paid like 2k if I remember right and I'm happy. For 5k it's not worth.

People seriously need to look at what the actual USP is for an app , paying for a subscription service that too at 1k+ for getting 1% cb on cc payments which God only knows how much longer it will be possible is not the right move.

I myself have gripes with savesage but I hate the fact that people look at it like a bill payment app and actually ignore the core concept of it.

Fyi I haven't given email access so quite frequently I have to manually update the RP value.

 

[aakashyadava]

Paid 2L HDFC CC bill using Good Score. Payment stuck in processing , got reward points in IDFC instant.

 

[mojo_jojo123]

Paid 2L HDFC CC bill using Good Score. Payment stuck in processing , got reward points in IDFC instant.

same happened with me .. money gets stuck

 

[sd18]

Sorry but this is such a bad perspective that it almost feels like a rant without any substance.

Like I mentioned earlier , I've been using the app for a while now , since early development that too. The actual USP is to have a one stop solution to all cards and hotel/ airline travel loyalty info. That's the actual USP of this app.

Whatever you are talking about was not even there in the original design and was added later.

If I look at a card , it tells me what charges it has , lounge benefits , where I earn what reward points etc . It also tells me what doesn't earn RP or CB on dedicated spends like utilities etc .

View attachment 105855

View attachment 105856

I am showing for axis airtel..it does this for all my cards so I don't constantly need to Google stuff or always remember everything.

If I look at loyalty programs it collates everything at one spot . It also shows transfer in and transfer out rates , tiers , benefits etc.

View attachment 105857

For marriot from amex
View attachment 105859

Stuff like this along with their expense tracker ( which still sucks btw ) is the actual USP of this app for which you pay money for. Even then, I dint pay 5k , i paid like 2k if I remember right and I'm happy. For 5k it's not worth.

People seriously need to look at what the actual USP is for an app , paying for a subscription service that too at 1k+ for getting 1% cb on cc payments which God only knows how much longer it will be possible is not the right move.

I myself have gripes with savesage but I hate the fact that people look at it like a bill payment app and actually ignore the core concept of it.

Fyi I haven't given email access so quite frequently I have to manually update the RP value.

Just joining the thread by assuming this is Savy sagu application discussion.
I want to pay credit card bill but it is linked with some other number. I am not able to do that in this app.
I have that 8 rupee essential plan btw.