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

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

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

All merchant name eligible, actually ek he merchant name aata hai. 🤣🤣
I just did my first payment via zavo for a 99800rs bill with idfc first tap. Was instantaneous. Amount already settled in cc .

Got 29000 zavo coins and also 6k RP in my idfc basic 10k MAB account.

2 questions , hoping someone can help.

1. What do I actually do with zavo coins ? Can I purchase items with it without spending cash ? They say 29k points are worth 2.9k.rs , can I actually buy something worth 2.9k with the coins ?

2. I'm new to idfc , I know that 1 rp = 0.25 rs and that upto 50k it's 2rp per 150 rs and anything above 50k fetches 10 rp per 150 rs for my account variant. Since it's a new account I'm supposed to get 2k rp as welcome benefit . Ive recived a total 5988 rp which would be 2k rp welcome benefit + 666 i.e ((50000 / 150 ) *2) + 3320 ( ( 49800 / 150 ) * 2) = 5986 and change . Is this calculation correct ?
 
I couldn't find anything related to redemption. When will I be able to redeem points once credited? Is there any cooling period for redemption. In my app it shows different values for available reward points vs Redeemable reward points.
 
I cannot access sbi debit card page
Is there some issue?
Previously this was in watched and used to refer and contribute accordingly
Is this closed?
Use SBI RuPay virtual debit card and pay anywhere and get rewards and no extra charges for RuPay -

Paytm app, phonepe app, freecharge app, sbi unipay, billdesk website etc

Amex and SCB bank cc bill also supported via billdesk using RuPay variant.

Virtual visa user block card and apply virtual RuPay debit card


Of course you will get reward points too on all these websites/apps.

Amex - https://www.billdesk.com/pgidsk/pgmerc/amexcard/amex_card.jsp

SCB - https://pgi.billdesk.com/pgidsk/pgmerc/standardchartered/scb_card.jsp

Axis (Axis RuPay CC user choose mastercard option and proceed) - https://pgi.billdesk.com/pgidsk/pgmerc/axiscard/axis_card.jsp

SBI Card - https://pgi.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp

SBM bank - https://pay.billdesk.com/cardnet-instapay/sbmcard

yes bank - https://pgi.billdesk.com/pgidsk/pgmerc/ybkcard/YBKCARDDetails.jsp

phonepe app - https://play.google.com/store/apps/details?id=com.phonepe.app&hl=en_IN

freecharge app - https://play.google.com/store/apps/details?id=com.freecharge.android&hl=en_IN

paytm app - https://play.google.com/store/apps/details?id=net.one97.paytm&hl=en_IN
 
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