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

[Batmanbaba]

sa_ve_sa_ge with 811 super DC still working?
@6ix9ine @Batmanbaba @Abhishek012

Nothing working with kotak.... Even something willwork kotak bots are roaming here on this forum to gather info

 

[mobsol2017]

Nothing working with kotak.... Even something willwork kotak bots are roaming here on this forum to gather info

only real spending with dc will work as lotak check narration of a transaction to check eligibility for cashback (if they found out transaction is of cc bill pay ,loan repayment they straightaway mark transaction ineligible for cashback though its in supported mcc)

 

[NikhilG]

All kinds of redeemption have same value i.e 0.25.
You can go for vouchers or flights if you travel. For vouchers its 10K per day limit

Even if someone has private banking, with private bank DC still same redemption rate?

 

[harshraj013]

Even if someone has private banking, with private bank DC still same redemption rate?

Yes redemption rate is same

 

[amazon_fan]

Little off topic suggestion

If your monthly credit card bill is above 1 lakh / yearly above 10L, there is a chance of IT notice.

Please note 1 lakh payment by CASH.
But still people say they monitor.

7	Payment of credit card bill in cash	1 lakhs
8	Payment of credit card bill other than through cash	10 lakhs

Income Tax High-Value Transactions: Submit Response under E-campaign

Income Tax High-Value Transactions: Under e-Campaign functionality, the taxpayers can respond to the email/SMS sent by the income tax department to verify their high value transactions related to information received by the IT department from various sources.

cleartax.in

 

[Batmanbaba]

Little off topic suggestion

If your monthly credit card bill is above 1 lakh / yearly above 10L, there is a chance of IT notice.
So better to pay before statement day and keep bill less than 1 lakh.
Please note above are payment by CASH.
But still people say they monitor.

Its 10 lakh per bank/ credit card provider or else half of this forum will be running behind CA, S i guess

 

[amazon_fan]

Its 10 lakh per bank/ credit card provider or else half of this forum will be running behind CA, S i guess

yes, but even if we have 5-6 cards, 1-2 would be max.

 

[ritziveer]

What is the best way to redeem idfc debit card reward points?

Amazon shopping voucher. Recently I had shopping need so I have spent on West side and Luxe

 

[ritziveer]

goodscore now not allowing to do partial payment and use Supercoings .. earlier I was doing payment of 400 and getting 20 discount .. further devlauation of goodscore .. can we cancel subscription and get refund ? it was charged yesterday

you won't get the subscription amount back. but I think there is no need for subscription to pay credit card bill now.

 

[Prasanna]

I have two credit card bills of ₹60,000 each. I'm looking for the best way to make the payments while earning some cashback. I came across a few suggestions on this forum, like using the SBI Virtual RuPay Card or the IDFC debit card. Which of these is the better option? If IDFC is better, could you please share more details? Also, if there are any other options that offer better cashback, I'd love to know.

 

[Batmanbaba]

I have two credit card bills of ₹60,000 each. I'm looking for the best way to make the payments while earning some cashback. I came across a few suggestions on this forum, like using the SBI Virtual RuPay Card or the IDFC debit card. Which of these is the better option? If IDFC is better, could you please share more details? Also, if there are any other options that offer better cashback, I'd love to know.

Currently using indusind signature debit card on cred.... For 1,14,000 rs payment u can get around 1% cashback....
For less payment it will be less as its a tiered cashback structure... Max cap of 1,14,000 payment per month...for which u will get rewards...1 rewards point is 0.35 rs.

 

[jcopper]

I have two credit card bills of ₹60,000 each. I'm looking for the best way to make the payments while earning some cashback. I came across a few suggestions on this forum, like using the SBI Virtual RuPay Card or the IDFC debit card. Which of these is the better option? If IDFC is better, could you please share more details? Also, if there are any other options that offer better cashback, I'd love to know.

All details are in the first post. Read through.

 

[Kamalraj]

Currently using indusind signature debit card on cred.... For 1,14,000 rs payment u can get around 1% cashback....
For less payment it will be less as its a tiered cashback structure... Max cap of 1,14,000 payment per month...for which u will get rewards...1 rewards point is 0.35 rs.

Indus signature work on cred??? When you check??

 

[Batmanbaba]

Indus signature work on cred??? When you check??

Yes giving me points from a long time
And second question not getting.. What check??

 

[ccent]

Yes giving me points from a long time
And second question not getting.. What check??

it is Visa variant or Mastercard variant debit card?

 

[Batmanbaba]

it is Visa variant or Mastercard variant debit card?

I use visa signature select card

 

[ccent]

I use visa signature select card

oh okay. usually in how many days after the payment, the points get credited?

 

[Batmanbaba]

oh okay. usually in how many days after the payment, the points get credited?

3-4 working days