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

[Anukul011]

Hi...how to use savesage to pay cc bill via DC?..Will one get RP for using IDFC DC?
And for JD, do we need to use app or website to get RP on using IDFC DC?
Thanx in advance for your reply...

Savesage is giving RP on idfc rupay and visa both with 0.59% overall charges and JD is asking for 2.124% overall

 

[quantum_]

Only SBI Virtual RuPay DC working, first check your card is activated and ecom enabled or not.

Virtual card max limit 50k per day, dnt pay more than 50k.

Any monthly capping on Sbi Virtual Rupay Debit card?

 

[prasadbani]

In Freecharge - Facing this issue. "Cant proceed with the transaction. Detected suspicious activity on user device". Tried everything, reached out to customer care, updated KYC, re-installed the app. Nothing is working out.

Same with me

 

[Abhishek012]

Any monthly capping on Sbi Virtual Rupay Debit card?

I dnt think so.

 

[quantum_]

I dnt think so.

So we can earn unlimited RPs.

 

[Abhishek012]

Working fine for me on JD website using IDFC DC.

JD charges 2.12%

savesage charge 1.18%

SaveSage Club

SaveSage helps you maximise rewards and discounts from your credit cards and loyalty programs

savesage.co

 

[SANDEEP19]

Not working just now tried for ₹1000

 

[quino]

Savesage is giving RP on idfc rupay and visa both with 0.59% overall charges and JD is asking for 2.124% overall

JD charges 2.12%

savesage charge 1.18%

why difference in charges reported of savesage?

 

[Amit_1]

So we can earn unlimited RPs.

There is a capping of 1000 reward points per transaction, overall capping of 10k reward points every month per Customer ID including Birthday bonus.

 

[Amit_1]

why difference in charges reported of savesage?

SaveSage charge for 0.59% <=Rs.1975 and 1.18% above >=Rs.1976

 

[Abhishek012]

why difference in charges reported of savesage?

savesage transaction under Rs1975 - 0.59% charges

above Rs1975 - 1.18% charges

 

[Anukul011]

why difference in charges reported of savesage?

Yes someone also mentioned just 1% platform fee on JD whether I was asked for 1.8% and I paid using Idfc visa through savesage for 0.59% overall ( 0.5% + 18% gst)

 

[skyreader]

Savesage is giving RP on idfc rupay and visa both with 0.59% overall charges and JD is asking for 2.124% overall

Ok...checked now....0.59% is upto Rs. 1000 CC bill. Above Rs. 1000 savesage is charging 1.18%

 

[Amit_1]

Ok...checked now....0.59% is upto Rs. 1000 CC bill. Above Rs. 1000 savesage is charging 1.18%

Check or search few messages before you post, might get what you want:

A

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

May 4, 2025

why difference in charges reported of savesage?

SaveSage charge for 0.59% <=Rs.1975 and 1.18% above >=Rs.1976

• Amit_1

A

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

May 4, 2025

why difference in charges reported of savesage?

savesage transaction under Rs1975 - 0.59% charges

above Rs1975 - 1.18% charges

• Abhishek012

 

[quino]

Check or search few messages before you post, might get what you want:

A

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

May 4, 2025

why difference in charges reported of savesage?

SaveSage charge for 0.59% <=Rs.1975 and 1.18% above >=Rs.1976

• Amit_1

the ones you quoted are of after my post. thanks for the free advice.

 

[mogambo94]

10 years.....i didn't know 10 years ago vdc cards were available......and if u have applied twice in a uear next u cannot apply for another year

Haha... Have you heard of Freecharge refer and earn trick ? I used to create atleast 25 SBI VDC everyday during those times , good ol' days 😉

Btw as I mentioend, I haven't touched the sbi vdc section for sometime, No idea why this error is popping up :/

 

[_deb_]

Ok...checked now....0.59% is upto Rs. 1000 CC bill. Above Rs. 1000 savesage is charging 1.18%

Your post is not correct.

 

[Abhishek012]

Your post is not correct.
View attachment 96424

Savesage app is good option and 1.18% charges but IDFC Visa/master/RuPay DC give you 2.5% cashback (or normal acc - 1.67%)

when you cross 50k, you will get profit.

minimum pay atleast 1 lakh bill or more than 1 lakh bill huge profit.

Note - first time user pay minimum Rs300 to check reward and everything working perfectly or not (cc bill pay under Rs1975 - 0.59% charges on savesage).

SaveSage Club

SaveSage helps you maximise rewards and discounts from your credit cards and loyalty programs

savesage.co

 

[skyreader]

Your post is not correct.
View attachment 96424

yes ...my mistake...i checked for 1000 and then for 2000....for 1000 it was 0.59% and for 2000 it was 1.18%...i assumed that above 1000 it will be 1.18%...

 

[darkjediknight]

I don’t think it’s a vert profitable deal to pay extra 1% for paying CC bill. Effective return for IDFC would be ~1.3% minus redemption charges. And it’s not cash you can only redeem in gift cards. And they don’t even have APay gift cards. Sounds like a very bad deal. Good for Savesage profits though.