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

[rahulj87]

Sbi rewards app no longer showing credit card bill payment option.

 

[saber.mbt]

In Phonepe merchant www

Sbi rewards app no longer showing credit card bill payment option.

Yeah Devaluation from August 1st, Credit Card payments were getting failed and points getting reversed in 4 hrs. I already reported last week with screenshot. Now they completely remove the cc option.

 

[HumorSimpson]

0.6% for Phonepay above 2000

OK. Idfc visa or rupay to earn rewards?

 

[harshraj013]

OK. Idfc visa or rupay to earn rewards?

V i s a

 

[harshraj013]

OK. Idfc visa or rupay to earn rewards?

Please update if u got the points.

 

[omvemula]

When I did transaction on 4th night (my cc due date with 1.76L yet to pay), I decided to pay via PhonePe with IDFC Visa DC

First 76k failed
Next 33k paid successfully
Again Next 33k paid successfully
Next 33k paid successfully
1k paid successfully

Again 76k failed from my wife’s account because I crossed my transaction limit for a day

I called HDFC bank and confirmed grace period of 3 days

76k failed reversed in 20 hours for my wife’s account
My 76k reversed in 40 hours
Just to mention I had raised a ticket for my 76k reversal but wife’s account got reversal without ticket ..

So kindly raise ticket on PhonePe ap

When I did transaction on 4th night (my cc due date with 1.76L yet to pay), I decided to pay via PhonePe with IDFC Visa DC

First 76k failed
Next 33k paid successfully
Again Next 33k paid successfully
Next 33k paid successfully
1k paid successfully

Again 76k failed from my wife’s account because I crossed my transaction limit for a day

I called HDFC bank and confirmed grace period of 3 days

76k failed reversed in 20 hours for my wife’s account
My 76k reversed in 40 hours
Just to mention I had raised a ticket for my 76k reversal but wife’s account got reversal without ticket ..

So kindly raise ticket on PhonePe app

Did you get rewards for failed transaction??

 

[cardio_guycardio_guy is verified member.]

"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!!!!!!!

I have a small doubt this guy is Abhishek. He ususally tweets to bank about these loopholes and all.

 

[HumorSimpson]

I have a small doubt this guy is Abhishek. He ususally tweets to bank about these loopholes and all.

Yes it is.

 

[mojo_jojo123]

A few days back I had redeemed about 70k points for Amazon vouchers so I believe that’s possible.
Moreover, I usually use my CC/DC card points for travel so for me 1.9% =1.9%. But yes it’s not cash so ppl need to take their call.

travel means flight booking ?

 

[harshraj013]

Yes it is.

Did you get the points

 

[theXfactor]

travel means flight booking ?

yes, flights, hotels

 

[HumorSimpson]

Did you get the points

Will try later. A 1k cc bill is about to come today evening

 

[Akash Topder]

Huge devaluation to me

Sbi rewards app no longer showing credit card bill payment option.

 

[theXfactor]

I have a small doubt this guy is Abhishek. He ususally tweets to bank about these loopholes and all.

who Abhishek...our commander or someone else?

 

[HumorSimpson]

who Abhishek...our commander or someone else?

Abhishek aka commander El supremo aka orindum

 

[alpha2betaa]

Did you get rewards for failed transaction??

Yes, I did actually 🙃

 

[CC_Exuberant]

Is this still working? Tried but transaction failed

Payment went well without any charge but no rewards credited instantly . Tx done today morning . May be the issue is with MCC change or ID FC !! Done 1 Lakh tx 5 days back on Zavo , the reward not credited yet .

 

[Amit_1]

Payment went well without any charge but no rewards credited instantly . Tx done today morning . May be the issue is with MCC change or ID FC !! Done 1 Lakh tx 5 days back on Zavo , the reward not credited yet .

Check out the MCC, probably it’s changed to 6012 I guess

 

[sumeet]

Please change thread name to August

 

[Rajkumar_Chandrabose]

Guys, I have 5L cc bill this should be paid by today. I have tried PhonePe with IDFC visa infinite wealth DC, Got www phonepe com but I did not received RP. Tried multiple times (1k,2k,5k for the last 3days and no RP credited). Please let me know if you know any tricks. TIA