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

[quino]

same happened with me .. money gets stuck

urs is also hdfc? could be bank specific

 

[suresh2024]

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

Did you pay using IDFC Rupay DC or Normal IDFC Visa Debit card ?

 

[MC_007]

urs is also hdfc? could be bank specific

Same happened with SBI also.

 

[BhaiyaJi]

Did you pay using IDFC Rupay DC or Normal IDFC Visa Debit card ?

Rupay has a daily limit of 1L, so it must be visa

 

[aakashyadava]

Did you pay using IDFC Rupay DC or Normal IDFC Visa Debit card ?

Paid with Visa Debit card.

 

[suresh2024]

Paid with Visa Debit card.

Now cannot see any option to pay via DC or rupay DC.

 

[saber.mbt]

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.

I too have 8 Rs Essential plan taken 10 days ago. It has no use

 

[mira21]

Goodscore trick fixed now

 

[CC_Exuberant]

"Devaluations Loading
An insider told us that one of the guys is going around and complaining about these "apps" which allow credit card payments with favourable MCC codes like PP, SS, JD, GS, HZ etc... not just RBI, he has sent these complaints to banks too... [ I don't know what kind of sadist a$$#@%& would do this but this is true - We don't know the name yet, but we'll figure it out, interestingly we've #ccgeeks at RBI too (who doesn't like to save money ?) ]Now the side effect of this is that these apps will now be forced to change their mcc codes to comply with RBI / Bank / PG guidelines. This will pull the plug on free cashback that we were getting for CC bill payments very soon unfortunately. IDFC FirstTap Rupay not giving instant points is potentially linked to this as well. A similar thing happened in the past where someone went on to complain about certain users who got a certain "Invite only card" assuming they did some "jugaad" for their invite. The complaint was made to PNO, PNO sent the complaint to RM, who knew these users personally, and they knew who the complainant was. The complaint was obviously dismissed basis RM's response with proper documentation. I don't know what to say, but I guess we'll have to be "discrete" about these things going forward. These things will continue to happen, its just it won't be in public platforms. Make sure you check MCC by doing a small transaction, if you're making large bill payments. Expect some platforms devaluation news soon. Closing comments to avoid any speculations." by Akash(ccg33k)/X . Game over!!!!!!!

 

[Half Human]

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
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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.

I agree with most of the things bro
And first of all, i understand your disheartening.

My only concern is that, the app is now different from what they have intended. Is it intentional or unintentional - I don't know.

The current spreading is with an image of a credit card paying app.
Even the post I mentioned 'crap' was with the respect to a value for money denominator.

And I would still say the same.

One need to earn premiums. Not just say something and say so.

The initial idea - Still good
Pricing and Value for money - Crap
Current intentional/unintentional public image - Difficult to understand.
Current upgrades - losing the plot

This is what I feel.

Just my own opinion. Don't want to hurt anyone's feelings. But hey I just said what I felt.

 

[Half Human]

"Devaluations Loading
An insider told us that one of the guys is going around and complaining about these "apps" which allow credit card payments with favourable MCC codes like PP, SS, JD, GS, HZ etc... not just RBI, he has sent these complaints to banks too... [ I don't know what kind of sadist a$$#@%& would do this but this is true - We don't know the name yet, but we'll figure it out, interestingly we've #ccgeeks at RBI too (who doesn't like to save money ?) ]Now the side effect of this is that these apps will now be forced to change their mcc codes to comply with RBI / Bank / PG guidelines. This will pull the plug on free cashback that we were getting for CC bill payments very soon unfortunately. IDFC FirstTap Rupay not giving instant points is potentially linked to this as well. A similar thing happened in the past where someone went on to complain about certain users who got a certain "Invite only card" assuming they did some "jugaad" for their invite. The complaint was made to PNO, PNO sent the complaint to RM, who knew these users personally, and they knew who the complainant was. The complaint was obviously dismissed basis RM's response with proper documentation. I don't know what to say, but I guess we'll have to be "discrete" about these things going forward. These things will continue to happen, its just it won't be in public platforms. Make sure you check MCC by doing a small transaction, if you're making large bill payments. Expect some platforms devaluation news soon. Closing comments to avoid any speculations." by Akash(ccg33k)/X . Game over!!!!!!!

It's unfortunate.

As the family expands, chances of foxes getting in under the disguise of sheep will be higher.

The only fear I have is whether the bank would be clawing back the RP like 🪓

And this guy Akash himself is making loopholes public, causing unnecessary escalations and devaluations. Latest one being that of the MEGA site and the MCC.

Such guys have recently shut down (apparently) the BLINKDEAL on myntra.

Also the so-called commander here, is no different.

Those who abused the tricks themselves turns out to be the ones playing victim card. How pity.

The X handle - Rewards alert is the classic example.

Whatever be it, good times are ending.

I hope bad times do not come.

 

[VISION]

just checked and found that CC payments removed form sbi rewards portal!!!

 

[newlearner]

Save sage is giving Rupay debit card option as well (without charges), but I guess no rewards are coming for IDFC now for save sage? I tried with IDFC Visa card as well but no rewards points. Looks like MCC Changed?

 

[tempmirzaa]

just checked and found that CC payments removed form sbi rewards portal!!!

Yes me too just searching cc payments maybe temporary disable?

 

[mojo_jojo123]

Save sage is giving Rupay debit card option as well (without charges), but I guess no rewards are coming for IDFC now for save sage? I tried with IDFC Visa card as well but no rewards points. Looks like MCC Changed?

same here .. no points .. OTP / SMS is same as earlier

 

[sourpai]

Save sage is giving Rupay debit card option as well (without charges), but I guess no rewards are coming for IDFC now for save sage? I tried with IDFC Visa card as well but no rewards points. Looks like MCC Changed?

Yes looks like it... Just did a payment and no instant rewards

 

[mojo_jojo123]

Yes looks like it... Just did a payment and no instant rewards

how is that possible .. merchant name etc is same ..

 

[VISION]

@mojo_jojo123 @sourpai
with save sage it is happing with kotak super dc as well got cb for 4 transaction and didn't get for 1 transaction & everything was same for all 5

 

[Rakshitk99]

Yes looks like it... Just did a payment and no instant rewards

Try checking a small bill payment on idfc sometimes idfc portal itself is down. I had not got rewards for transaction done on 2nd Aug

 

[VISION]

Yes me too just searching cc payments maybe temporary disable?

or permanently.. as was easy & without any fee so they might have removed