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Best Debit Card For Credit Card Bill Payment 2024

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In the world of personal finance, many people are always looking for ways to manage their money better and get the most out of their spending. One popular strategy that's gaining traction is using debit cards to pay off credit card bills. This allows you to earn cashback on expenses that wouldn't normally earn rewards. In this article, we'll explore this concept and look at some of the best debit card options for paying off credit card bills.

Understanding the Strategy​

Typically, credit card bills are paid using money from a bank account, either automatically or by manual transfer. While these payments don't usually earn rewards, some banks offer cashback incentives for using their debit cards to pay bills. By strategically using a debit card for credit card payments, you can earn cashback on expenses that wouldn't otherwise earn rewards.

Choosing the Right Debit Card​

When choosing a debit card for paying credit card bills, there are a few things to consider:
  1. Cashback Percentage: Look for a debit card that offers a good cashback percentage on bill payments.
  2. Debit Card Fees: Consider any fees associated with the debit card, such as monthly fees or transaction fees.
  3. Account Requirements: Make sure you meet any requirements to qualify for the debit card you're interested in.

Top Picks For Best Debit Cards:​


Debit Card NameDebit Card FeesBill Payment PlatformsCashback/Reward RateMaximum CappingMilestone Benefits
HDFC Platinum Debit CardRs. 750 + GST For Normal Account; Nil For SavingsMax or higher variant accounts/programsHDFC Bank Bill Payment Portal1% CashbackRs. 750 Per MonthNot Available
HDFC Millennia Debit CardRs. 500 + GST For Normal Account; Nil For SavingsMax or higher variant accounts/programsLoad Amazon Wallet & Pay Bill; Use HDFC Bill Payment Portal, Mobikwik1% Cashback (Amazon Wallet)
2.5% (HDFC Bill Payment Portal)
Rs. 400 Per MonthNot Available
RBL Enterprise Debit CardJoining: Rs. 7500 + GST
Annual: Rs. 2000 + GST
SBI Unipay5% Cashback As VoucherRs. 1000 Per MonthSpend 5L In A Year & Get Voucher Worth Of Rs. 2000
Additional Rs. 3000 Voucher On Spending 10L & Another Rs. 4000 Voucher On Spending 15L In A Year.
RBL Signature Plus Debit CardJoining: Rs. 5000 + GST
Annual: Rs. 1500 + GST
SBI Unipay1% Cashback As VoucherRs. 1000 Per MonthRs. 5000 Voucher On Spending Rs. 5L In A Year
IndusInd Bank Exclusive Debit CardNil For Exclusive AccountPayTM, SBI UniPay~0.93% CashbackRs. 1050 Per Month (Cash Value)Not Available
IndusInd Bank Select Debit CardNil For Select AccountPayTM, SBI UniPay~0.93% CashbackRs. 1050 Per Month (Cash Value)Not Available
IndusInd Pioneer Debit CardNil For Pioneer AccountSBI UniPay, PayTM0.50% CashbackUnlimitedNot Available
IDFC First Private Debit CardNil For Private AccountSBI UniPay1% Reward (Voucher)
After Rs. 50,000, Reward Rate Will Become: 2.50%
Rs. 1,25,000 Per Month (Cash Value)Not Available
IDFC First Wealth Debit CardNil For Wealth AccountSBI UniPay0.67% Reward (Voucher) After Rs. 50,000, Reward Rate Will Become: 2.50%Rs. 12500 Per Month (Cash Value)Not Available
IDFC First Select Debit CardNil For Select AccountSBI UniPay0.5% Reward (Voucher) After Rs. 50,000, Reward Rate Will Become: 2.50%Rs. 7500 Per Month (Cash Value)Not Available
Standard Chartered Priority Visa Infinite Debit CardNil For SC Priority BankingPayTM, SBI UniPay, Etc.1.25% Cashback (Voucher)UnlimitedNot Available

In today's financial world, getting the most cashback means thinking creatively and planning strategically. Using the right debit card to pay your credit card bills can earn you extra rewards and improve your overall financial situation. Whether it's getting cashback on everyday purchases or finding new ways to use your rewards, there are plenty of opportunities for those who are open to trying out innovative financial strategies.

Update- 4900 MCC eligible for CB for RBL enterprise & MCC for PayTM transaction is 6051 So RBL SPDC is also not eligible for CB On Paytm
 
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Dhani Pay kyc complete but when I am trying to pay using RBC sig plus it says "credit card cannot be used for credit card payment" can anyone let me know what needs to be done
Facing same issue . . . Cant add any debit card . . . Tried jupiter dc and millennia dc
 

Max Amount not within configured range for Biller for the Payment mode​

If any amount is debited, will be refunded back to you within 3-4 working days.​


I tried paying through IDFC DC to AMEX 🙁 Money got deducted and transaction failed 🙁 (Transaction amount 1,15,000)

Can someone please help me with the Max Amount I can pay?
Did you get refund? I paid 1.01L for my amex plat travel using IDFC DC. Got same error.

One more question, how many days does the payment take to reflect on my CC statement??
 
Does anyone have any recommendations on how to pay Union Bank CC Bill with some rewards? Platforms like Airtel, SBI Unipay etc. don't have Union Bank as a biller.
 
I am using SBI UNIPAY using an IDFC debit card and for the last 2-3 days all my payments are not going through In the end get "Transaction not Attempted". Is anyone getting the same issue?
 
IDFC First Private Debit Card still give reward for CC payments paid via sbi unipay ??
planning to open IDFC First Private Wealth account on monday
also its give approx 2.5% after 50k transaction right ??
 
IDFC First Private Debit Card still give reward for CC payments paid via sbi unipay ??
planning to open IDFC First Private Wealth account on monday
also its give approx 2.5% after 50k transaction right ??
Whats the criteria you have been offered while open this? How much initial funding, how much MAB etc.?
 
Whats the criteria you have been offered while open this? How much initial funding, how much MAB etc.?
according to my guy he is saying 50L initial cheque and 50L investment after AC opening......
trying to negotiate with 50L criteria...lets c.....otherwise will open Idfc first wealth ac....
afaik idfc wealth have 2.5% upto 12.5k/month which is also good enough for my cc payments 😉
 
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I have IndusInd select visa signature debit card
I don’t think we can redeem points against cash reward for this

All I could see in the indus rewards portal is products which are being sold on their MRP!!!
 
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