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

[pranav raval]

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.

Agree, 1.3% profit that too only for top tier IDFC account (wealth, etc).

For normal account suppose if u have 1.6 lac bill, it's merely 0.07% when payment more than 1975 INR is made in one go (1.25 return - 1.18 charges).

For normal account suppose if u have 1.6 lac bill, it would be 0.66% when payment is broken into multiple parts of 1950 INR (1.25 return - 0.59 charges)

 

[vinodtoshniwal]

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.

You can use idfc card to pay directly via points - and idfc points are with life time validity

 

[amazon_fan]

when you cross 50k, you will get profit.

Can we hit 50k with debit transactions, which are NOT eligible for RP ?
e.g : I will load amazon pay 50k in the start of month, later will start paying CC to get 10X RP ?
Or 50k spend from RP eligible tx only ?

 

[amazon_fan]

But that will become negligible if you will redeem big amount of RPs at once.

yes i agree, should we use idfc RP only to buy vouchers or can we redeem to cash ?

 

[pankaj1122]

Kya se kya din agye 😂😂 ab profit gina jara fees kat kut ke 😂😂😂😂

 

[Beyond]

You can use idfc card to pay directly via points - and idfc points are with life time validity

How does it work?

 

[darkjediknight]

You can use idfc card to pay directly via points - and idfc points are with life time validity

No. You can do that with credit card points only

 

[Madhur Batra]

Can we hit 50k with debit transactions, which are NOT eligible for RP ?
e.g : I will load amazon pay 50k in the start of month, later will start paying CC to get 10X RP ?
Or 50k spend from RP eligible tx only ?

Na, doesn't work like that, only the eligible ones are considered.

 

[omvemula]

So we can earn unlimited RPs.

10k points per month

 

[VikasBhindwar]

Acche dinn gaye abb lagta hai. Phele extra pay karo abb phir uske badle points lo.

 

[Akshith]

10k points per month

so maximum we can pay up to 2.5L cc bill using sbi vc per month?

 

[Amit_1]

so maximum we can pay up to 2.5L cc bill using sbi vc per month?

5L every month apart from birthday month is 2.5L

 

[SonyTom]

Amazing to see the Buzz in this thread surrounding the only Pioneer around !!!

 

[Lalsingh22]

Can we hit 50k with debit transactions, which are NOT eligible for RP ?
e.g : I will load amazon pay 50k in the start of month, later will start paying CC to get 10X RP ?
Or 50k spend from RP eligible tx only ?

Wallet Loading through SBI VDC doesn't give RPs.

 

[Devp23]

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

Can anybody DM the refferal for this app

 

[Channakya]

Hi , need an update . I have a bill to pay .
Is SBI VDC is giving rewards, if yes in which application .

And

Is IDFC VDC is giving the rewards , if yes , which application

@Abhishek012 show some light

 

[newmakerhere]

Hi , need an update . I have a bill to pay .
Is SBI VDC is giving rewards, if yes in which application .

And

Is IDFC VDC is giving the rewards , if yes , which application

@Abhishek012 show some light

Yes I want to know too

 

[SatyG]

Wallet Loading through SBI VDC doesn't give RPs.

Haha...It does, people are trying hard to keep the info hidden.

 

[SatyG]

Hi , need an update . I have a bill to pay .
Is SBI VDC is giving rewards, if yes in which application .

And

Is IDFC VDC is giving the rewards , if yes , which application

@Abhishek012 show some light

for SBI VDC, try Mobikwik. You will get SBI points along with 1% cashback for FULLPAY up to 25 on mobikwik.

 

[Channakya]

for SBI VDC, try Mobikwik. You will get SBI points along with 1% cashback for FULLPAY up to 25 on mobikwik.

Ok . .