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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
 
Last edited by a moderator:
does anyone know MCC code ??
i did transaction via indusind via sbi unipay they are saying 0999 mcc code
while axis denies to give any mcc code 😔😔
 
If this is your first time using Unipay, pay 100 and check if/when it gets credited. then pay however much you want.
initially i tried with 200 as test transaction
then tried 108500 bt that failed amt got debited and it got failed…
after that did 30k , 40k 38.5k transactions
 
initially i tried with 200 as test transaction
then tried 108500 bt that failed amt got debited and it got failed…
after that did 30k , 40k 38.5k transactions
Got refund for failed transaction?

It's better to pay lower amount.
 
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 😉
Idfc is known for blocking account / rewards portal , consider that while investing so much money
 
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 😉
Can you please confirm 1 thing, they open new account directly as wealth/private? Or 1st normal 25k MAB account is opened and then it is upgrade to wealth?
 
RBL Signature Plus Debit CardJoining: Rs. 5000 + GST
Annual: Rs. 1500 + GSTSBI Unipay, PayTM1% Cashback As VoucherRs. 1000 Per MonthRs. 5000 Voucher On Spending Rs. 5L In A Year

Has anyone been able to successfully verify non (RP) excluded MCC for PayTM CC bill payment with RBL Signature Plus Debit Card?
 
@TechnoFino please explore TeamBHP (team-bhp.com) style moderation so that conversions don't deviate.

In this thread, it would be good if discussions are restricted to debit card and its usage only.

Thank you
 
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