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

[cardsduniya]

Getting RECHARGE PP while paying for credit card bills on phonepe using rbl enterprise dc amount is less than 2000
Does anyone know the mcc code of this?

 

[stech18]

I had one idfc 0 balance account and now applied first tap and now opened new salary account to get select variant. But there is no option to apply firsttap for new debit card/account. Shall I block and reissue against new account?

 

[beingsarab]

what does the Max spend for IDFC means? we can earn max 6000 points (excluding 2000 welcome points) which is equaivalent if I spend/pay bills amounting to 4,50,000 - can anyone explain this max spend cap please?

 

[sparkysubho]

Getting RECHARGE PP while paying for credit card bills on phonepe using rbl enterprise dc amount is less than 2000
Does anyone know the mcc code of this?

mcc 4814 ..

 

[Amit_1]

what does the Max spend for IDFC means? we can earn max 6000 points (excluding 2000 welcome points) which is equaivalent if I spend/pay bills amounting to 4,50,000 - can anyone explain this max spend cap please?

Read the main thread post, it has all necessary details

 

[spd]

I’ve upgraded my two family members normal account to wealth account, got 2k previously & 8k reward points today.

So reward points on every account upgrade is still working @amazon_fan @NikhilG

Yes same for me 3 months back upgraded to select got 4k now today upgraded to wealth and paid bill got 8k today...

 

[mojo_jojo123]

Yes same for me 3 months back upgraded to select got 4k now today upgraded to wealth and paid bill got 8k today...

how much amount u paid today ?

 

[beingsarab]

Read the main thread post, it has all necessary details

There are 2 reard rate systems mentioned which is confusing... one says 2 points for every 150 spent - other says 0.33% reward rate - but still its nowhere mentioned with context that how/why Max spend should be 1.6lac - it would be generous of you if you can lil explain...

small example can help.. in terms of max spend calculation. Thank you! 😀

 

[Amit_1]

There are 2 reard rate systems mentioned which is confusing... one says 2 points for every 150 spent - other says 0.33% reward rate - but still its nowhere mentioned with context that how/why Max spend should be 1.6lac - it would be generous of you if you can lil explain...

small example can help.. in terms of max spend calculation. Thank you! 😀

Type of Program	Monthly Point Capping
General	8,000
Select	30,000
Wealth	50,000
Private	5,00,000

 

[krishna9]

There are 2 reard rate systems mentioned which is confusing... one says 2 points for every 150 spent - other says 0.33% reward rate - but still its nowhere mentioned with context that how/why Max spend should be 1.6lac - it would be generous of you if you can lil explain...

small example can help.. in terms of max spend calculation. Thank you! 😀

Variant	Welcome RP	Base earn ≤ ₹50 K	10× band (only ₹ 50 K+)	Cap / mo (RP)	₹ Spend to hit cap*	Blended return @ cap
Classic	2 000	Online 2 RP/₹150, Offline 1 RP/₹150	10 RP/₹150 (≈1.67 %)	8 000	₹1.60 L	1.25 %
Select	4 000	Online 3 RP/₹150, Offline 2 RP/₹150	10 RP/₹100 (2.50 %)	30 000	₹3.40 L	2.21 %
Wealth	8 000	Online 4 RP/₹150, Offline 3 RP/₹150	10 RP/₹100 (2.50 %)	50 000	₹5.37 L	2.33 %
Private	20 000	Online 6 RP/₹150, Offline 4 RP/₹150	10 RP/₹100 (2.50 %)	5 00 000	₹50.30 L	2.49 %

 

[Mcdatptpssb]

How to upgrade from Classic to Select veriant..

Variant	Welcome RP	Base earn ≤ ₹50 K	10× band (only ₹ 50 K+)	Cap / mo (RP)	₹ Spend to hit cap*	Blended return @ cap
Classic	2 000	Online 2 RP/₹150, Offline 1 RP/₹150	10 RP/₹150 (≈1.67 %)	8 000	₹1.60 L	1.25 %
Select	4 000	Online 3 RP/₹150, Offline 2 RP/₹150	10 RP/₹100 (2.50 %)	30 000	₹3.40 L	2.21 %
Wealth	8 000	Online 4 RP/₹150, Offline 3 RP/₹150	10 RP/₹100 (2.50 %)	50 000	₹5.37 L	2.33 %
Private	20 000	Online 6 RP/₹150, Offline 4 RP/₹150	10 RP/₹100 (2.50 %)	5 00 000	₹50.30 L	2.49 %

 

[iamgroot]

I’ve upgraded my two family members normal account to wealth account, got 2k previously & 8k reward points today.

So reward points on every account upgrade is still working @amazon_fan @NikhilG

How?Kitna paisa dalna pada account me for wealth upgrade

 

[iamgroot]

Yes same for me 3 months back upgraded to select got 4k now today upgraded to wealth and paid bill got 8k today...

wealth ke liye Rm me sath kya kia jaye?😂😂

 

[Pachiboy]

wealth ke liye Rm me sath kya kia jaye?😂😂

Rm ke sath branch me Jake hulu lulu (batchit) karoge to hojayega.

 

[iamgroot]

Rm ke sath branch me Jake hulu lulu (batchit) karoge to hojayega.

Rm ladki he bro....🤣🤣

 

[sunnykhandelwal5]

SBI Rewardz is not even more devalued. The per lakh spend used to reset at the end of financial year but now resets every month. So if i spend 90k in June and 10k in July, we don’t get milestone bonus. Even if i spend 5 lacs in June, I only get 1k bonus not 5k. Can you edit the wiki accordingly?