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

[darkknight999]

Another devaluation in SBI debit Card:

For Almost all debit cards : 1000 reward points for spending in a single month ( both virtual and physical).
1000 points for 1L spending in a financial year offer is gone.

It will be hard for most of the people to spend 1L in every month.
Even we spend 90k in a month, next month it will reset and starts from zero. So, milestone benifit for SBI virtual and physical debit card is almost gone.

I don't know if this topic is discussed in this thread before, it's a huge thread and can't read all the pages.

Well that's what happens, when people pay lakhs of bills using debit card, abuse the offer while rest of the people like me hardly get to enjoy the benefits before it gets devalued🤷 isn't that the same story these days of every offer... selfish greed kills all the offers too fkng fast🤦, no basic sense to use the offers sensibly for them to last longer🤦 it's high time either keep caps for offers to last longer or block these heavy abusers, like amazon did restrictions with apay balance

 

[ritziveer]

On Zavo app one of my CC payment of 5k was failed on Thursday and till now not received money back, any idea how long it takes to refund money from Zavo?

Got most of the failed amounts in like 2-4 days. As its Sunday it might come in the next 2 days I think. If not mail them. usually they respond quickly

 

[ritziveer]

What if it doesn't come at all? Is the app reliable?

Till now the app has not failed people here.

 

[xlabd]

I've paid HSBC live+ bill on the 4th/5th midnight using Zavo and FIRSTAP DC, but it doesn't reflect on the hsbc app.
Money has left idfc account, and I have bbps id of the transaction as well. I've checked with the hsbc customer care, they told me the bill payment takes some time to reflect on the statement, but the payment day will be on the day I paid.

Now,
She didn't verify that any payment has been done to my card.
5th was last day to pay my cc bill and the payment still doesn't reflect on the app.
Idfc bank didn't get the refund tho.

What are the chances my bill payment fails?

People who have been paying bills using IDFC DC, please share your experience.

I'm quite tensed.

Notes:
First time trying this to pay bills.
Other CCs reflect the payment. This card is an anomaly.
Used the card on Amazon yesterday. That transaction is "pending", but the bill payment is not "pending" on the app. No entry of the bill payment.

Could someone shed light on this, please?

 

[ritziveer]

I've paid HSBC live+ bill on the 4th/5th midnight using Zavo and FIRSTAP DC, but it doesn't reflect on the hsbc app.
Money has left idfc account, and I have bbps id of the transaction as well. I've checked with the hsbc customer care, they told me the bill payment takes some time to reflect on the statement, but the payment day will be on the day I paid.

Now,
She didn't verify that any payment has been done to my card.
5th was last day to pay my cc bill and the payment still doesn't reflect on the app.
Idfc bank didn't get the refund tho.

What are the chances my bill payment fails?

People who have been paying bills using IDFC DC, please share your experience.

I'm quite tensed.

Notes:
First time trying this to pay bills.
Other CCs reflect the payment. This card is an anomaly.
Used the card on Amazon yesterday. That transaction is "pending", but the bill payment is not "pending" on the app. No entry of the bill payment.

What is the status its showing in the ZAVO app?

 

[desiviru]

Could someone shed light on this, please?

Why you people choose to pay at midnight? Yesterday was a working day and after 9AM things are good to go.

This txn will reflect but then you will have to wait till tomorrow evening or even Tuesday. Value date will be your payment date.

If it is refunded due to "Midnight Saga" then Wednesday will be DoomsDay.

HSBC will have party and IDFC will be invited. Payment of party through finance charges you will pay to HSBC.

P.S: Sleep worryfree. Your payment will be adjusted tomorrow 99.9%.

 

[xlabd]

What is the status its showing in the ZAVO app?

Bill payment done confirmation received from hsbc bank

 

[xlabd]

Why you people choose to pay at midnight? Yesterday was a working day and after 9AM things are good to go.

This txn will reflect but then you will have to wait till tomorrow evening or even Tuesday. Value date will be your payment date.

If it is refunded due to "Midnight Saga" then Wednesday will be DoomsDay.

HSBC will have party and IDFC will be invited. Payment of party through finance charges you will pay to HSBC.

P.S: Sleep worryfree. Your payment will be adjusted tomorrow 99.9%.

Bruh first you scare me then you calm me what am I supposed to believe 😭😂

 

[xlabd]

I'm thinking to pay the bill amount again to calm my nerves. What are your thoughts?
What app should I pay the bill on that will offer 100% guarantee? 🥲
(This just might be my paranoia, sorry.)

 

[ritziveer]

Bill payment done confirmation received from hsbc bank

Then don't worry it will come through. Axis also will take time I think to show in the card. Don't worry

 

[xlabd]

Then don't worry it will come through. Axis also will take time I think to show in the card. Don't worry

Okay, thank you so much.🙂)

 

[Batmanbaba]

What is the reward percent

Its a tiered rewards structure... If u pay 114000 in a calendar month u will get points equivalent to 1.1-1.2 percentage of total amount paid....

6X Rewards Structure for every Rs 200, as per the following grid:
Upto Rs. 5000: 2 Reward Points per Rs. 200
Rs. 5001 - 10,000: 3 Reward Points per Rs. 200
Rs. 10,001 - 20,000: 4 Reward Points per Rs. 200
Rs. 20,001 - 40,000: 5 Reward Points per Rs. 200
Above Rs. 40,000: 6 Reward points per Rs. 200

And 1 rewards point= 0.35 and u can encash it straight into bank account without any charges... Max 5000 points per month can be encashed

 

[BeingIncogBeingIncog is verified member.]

paranoia

Electro suite (Hans Zimmer)

 

[RajdeepMaity]

Does savesage app still work for Kotak 811 debut card?