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

[saber.mbt]

Reading last 10 replies, regarding how someone missed payment because couldn't kept enough balance and blaming bank to not follow the rule set already there. Then follow up replies are also like not you but bank is at fault and how can they charge us?

It's like my mistake is usual and I should not be fined for my mistakes. These are banks not your parents who will bear whatever awfulness of your life you throw at them.

I hit straight. If you don't have enough money to pay back or poor enough to keep exact amount of it, please don't use credit cards.

My reply can hurt many but truth is truth. Banks are service and service has set of rules and expecting you should not be charged for your stupidity puts a question mark on your own ability to keep things in check.

CC: @6ix9ine @Aniket @Centurion_wala @kuchbhi @pinki @Karan. @SSV @HumorSimpson @Abhishek012

Funny how raising a valid concern about bank opacity and unreasonable penalties suddenly makes one “too poor to use credit cards.”

Let’s be clear , I wasn’t short due to overspending. Autopay failed because the bank silently debited fees (ATM charges, annual fee, or debit card fee) a day before, leaving my account short by just 33 paise. And for that, they slapped ₹4,999 + GST penalty. I had already made a manual payment too.

This isn’t about excuses - it’s about a system that punishes without warning and lacks any logic or fairness. I reported this not to play victim but to warn others of careless bank practices.

Blindly siding with banks doesn’t make someone financially wise, it just shows misplaced pride in misunderstanding the real issue.

 

[saber.mbt]

Fight would have been easy with 3 days grace if this was due not paid thing. But this is autopay not entertained due to balance and nothing much can be done.

Person should be happy that they reversed charges except GST which in most cases wont be reversed. I hope he doesn't repeat mistake again. Keep balance atleast a week before your autopay due date and bill amount. It should be 10K more.

Some people even do mistake of transferring funds same date like in morning of auto-pay date but technically the balance should be there 24-48 hours before that as banks push auto-pay command well in advance.

Appreciate your inputs, but I think you're missing the core issue.

Yes, I agree autopay commands are pushed in advance and balances should ideally be maintained well before the due date. That’s exactly the point, I did maintain sufficient balance, but small bank-initiated charges (like debit card fees or ATM charges) were deducted without intimation just before the mandate, reducing the balance by 33 paise. That’s not user negligence, that’s poor coordination on the bank’s side.

I raised this to highlight how even fully responsible users can be penalized unfairly due to opaque fee deductions and a lack of real-time notification.

Saying “be happy they reversed it” ignores the bigger picture: ₹4,999 + GST for a few paise shortfall, even after manual payment, isn’t a “mistake,” it’s an institutional flaw. I shared it so others don’t get blindsided the same way.

We all know the rules. Sharing real-life gaps in system logic isn’t an excuse, it’s a responsibility.

 

[saber.mbt]

Yeah I have never understood the mentality of "oh my God, it's my fault, I made a mistake, bank charged me for my mistake. Let me make a warning to everyone that (for some reason) the bank is bad ?!?!? And i will fight with the bank for a refund"

Seriously?

Yes, how outrageous of me to warn people that chasing ₹750 cashback could cost them ₹5,000 in penalties over a 33 paise shortfall caused by surprise deductions like card fees or ATM charges. Truly, the audacity😄

For context, many are now enabling Autopay just to earn 1% cashback on HDFC Platinum Debit Cards. I shared my experience not to “blame” the bank, but to alert others that one unnoticed microcharge can trigger a ₹4,999 + GST penalty, even if you make the payment manually.

Apparently, being a responsible consumer now means:
“Make no noise, don’t question anything, and definitely don’t help others avoid the same trap.”

But hey, let’s keep mocking those who speak up, while the system continues quietly milking avoidable charges from unsuspecting users.

 

[rishi4]

Hi
Can anyone pls tell sbi reward points are linked to debit card or customer id
I've 2 debit cards
If I reach 1lakhs on both in a month, will I get 1000+1000 extra reward points as bonus

 

[Eye of AjayEye of Ajay is verified member.]

Can someone inform on goodscore MCC and merchant name for debit card transaction to pay cc bill? I need latest info to decide if goodscore can be used.

+1

Has this changed for 2L+ payments or not?

Did a transaction today got no points on idfc yet. On classification it's showing up as others.

 

[sidmanraj]

+1

Has this changed for 2L+ payments or not?

Did a transaction today got no points on idfc yet. On classification it's showing up as others.

What was the merchant name displayed in payment page? What is the mcc?

 

[Eye of AjayEye of Ajay is verified member.]

What was the merchant name displayed in payment page? What is the mcc?

Name- PURCHASE GOOD SCORE BANGALORE IN

MCC category- Others

Amount- 2,02,709
Credit Card Payment

Edit: CC told me to wait for MCC category they have no information it's been 4hr+ still no info and no RPs

 

[Amit_1]

Name- PURCHASE GOOD SCORE BANGALORE IN

MCC category- Others

Amount- 2,02,709
Credit Card Payment

If mcc is utility, you’ll get the points sooner or later, if not raise complaint with CS after 14 business days

 

[Eye of AjayEye of Ajay is verified member.]

If mcc is utility, you’ll get the points sooner or later, if not raise complaint with CS after 14 business days

That I do know but all I am asking is that is the MCC still the old "Home Expense" or has it changed since there are a few people in the pages that are saying that gudscore is not giving RPs non the less thx for your input.

 

[ritziveer]

Name- PURCHASE GOOD SCORE BANGALORE IN

MCC category- Others

Amount- 2,02,709
Credit Card Payment

Edit: CC told me to wait for MCC category they have no information it's been 4hr+ still no info and no RPs

They take their sweet time to tell. 3 days usually.

 

[Amit_1]

That I do know but all I am asking is that is the MCC still the old "Home Expense" or has it changed since there are a few people in the pages that are saying that gudscore is not giving RPs non the less thx for your input.

That’s what I am trying to say that Good Score merchant name fetched 4900 and you’ll get RPs, have patience

 

[desiviru]

Appreciate your inputs, but I think you're missing the core issue.

Yes, I agree autopay commands are pushed in advance and balances should ideally be maintained well before the due date. That’s exactly the point, I did maintain sufficient balance, but small bank-initiated charges (like debit card fees or ATM charges) were deducted without intimation just before the mandate, reducing the balance by 33 paise. That’s not user negligence, that’s poor coordination on the bank’s side.

I raised this to highlight how even fully responsible users can be penalized unfairly due to opaque fee deductions and a lack of real-time notification.

Saying “be happy they reversed it” ignores the bigger picture: ₹4,999 + GST for a few paise shortfall, even after manual payment, isn’t a “mistake,” it’s an institutional flaw. I shared it so others don’t get blindsided the same way.

We all know the rules. Sharing real-life gaps in system logic isn’t an excuse, it’s a responsibility.

You are just "saying it for sake of saying it" that you understand my points and then you again came back to where you are stuck.

Keep sticking there with "not-my-fault" thinking.

I have 21 bank account in 15 different banks and having 7 debit cards and trust me I know when for which card charges are debited.

Bank's system just did what they are designed to do. Emphasizing on JUST 33 PAISA won't help your case.

You can play the not-my-fault thing till the time you want to.

I ask you, if you are purchasing Rs.1000 stuff and balance is 999.50 and your txn declines and then charged Rs.23.60 as insufficient charges, should bank be blamed for keeping 999.50 and doing txn of 1000? Will we go and say for sake of 50 paisa, txn should have been allowed? This is what I can all sense from your repeated things.

Get over it. It was your fault and this is the harsh reality here.

#NotMyDuty_BlameTheStupidity

 

[desiviru]

Funny how raising a valid concern about bank opacity and unreasonable penalties suddenly makes one “too poor to use credit cards.”

Let’s be clear , I wasn’t short due to overspending. Autopay failed because the bank silently debited fees (ATM charges, annual fee, or debit card fee) a day before, leaving my account short by just 33 paise. And for that, they slapped ₹4,999 + GST penalty. I had already made a manual payment too.

This isn’t about excuses - it’s about a system that punishes without warning and lacks any logic or fairness. I reported this not to play victim but to warn others of careless bank practices.

Blindly siding with banks doesn’t make someone financially wise, it just shows misplaced pride in misunderstanding the real issue.

Someone posted about this concern of card charges debiting and after reading comment you just sticked that point here to make an excuse for your case. Good that you didn't say PMSBY Rs.20 is the reason for this shortfall.

Pls share your statement screenshot where bank has debited DC charges. Your due amount and the balance you had. Dare to provide proof.

You know what funny here is? Your resistance to accept your fault. That's funny. 🙂

 

[ankurarora898]

Name- PURCHASE GOOD SCORE BANGALORE IN

MCC category- Others

Amount- 2,02,709
Credit Card Payment

Edit: CC told me to wait for MCC category they have no information it's been 4hr+ still no info and no RPs

which card? I didn't get the points with burgundy dc

 

[Eye of AjayEye of Ajay is verified member.]

which card? I didn't get the points with burgundy dc

Category MCC Codes
Insurance/FI/ForeignCurrency4829, 6012, 6050, 6051, 6211, 6300, 6381, 6399, 6531,6532, 6533, 6534, 6535, 6611, 6760, 72726
Charities 8398
Govt. Services 8111, 9211, 9222, 9223, 9311, 9312, 9313, 9314, 9399,9402, 9405, 9411
Jewellery 5094, 5944
Education 8211, 8220, 8241, 8244, 8249, 8299, 8493, 8494
Cash Withdrawal 6010, 6011Fuel 5172, 5541, 5542, 5983T
ransport 4111, 4119, 4121, 4131, 4214, 4789,4784
Wallet 4814, 6540
Visa 9700, 9701, 9702, 9950
Rent 6513
Utility 4814, 4816, 4899, 4900

Are all exempted from Burgundy DC

 

[Riya]

N i c e

You guys have DEBIT CARDS 🤓🤓

 

[thomas.lunakutty]

Yes, how outrageous of me to warn people that chasing ₹750 cashback could cost them ₹5,000 in penalties over a 33 paise shortfall caused by surprise deductions like card fees or ATM charges. Truly, the audacity😄

For context, many are now enabling Autopay just to earn 1% cashback on HDFC Platinum Debit Cards. I shared my experience not to “blame” the bank, but to alert others that one unnoticed microcharge can trigger a ₹4,999 + GST penalty, even if you make the payment manually.

Apparently, being a responsible consumer now means:
“Make no noise, don’t question anything, and definitely don’t help others avoid the same trap.”

But hey, let’s keep mocking those who speak up, while the system continues quietly milking avoidable charges from unsuspecting users.

I don't want to add to the argument, since @desiviru is responding more effectively to you than I would, but I just want to say this.

It's your fault. It's not a "surprise deduction". The banks are very clear with debit card fees and ATM fees. If you are going to have a debit card, it's on you to keep the required balance for debit card fees. If you are withdrawing from an ATM, it's on you to keep the required ATM fee in the account.

I had to fight with HDFC for reversal. Hope everyone aware of charges. They reversed 4999. But they didn't reverse 18% GST

I was merely responding to this comment. Nowhere in your comment does it sound like the fault is with you. They did you a favor in this case, they might not for everyone. "But they didn't reverse 18% GST" <-- They didn't owe you any reversal in the first place.


Yes, you are doing a good job warning people of the fees incurred when making a mistake, thank you for that. Knowing how much banks can charge should keep people on their toes. Also good to know that you were able to get something reversed by fighting with the bank, but that's not exactly setting a good precedent.

 

[Abhishek012]

i have IDFC 10K account...wish to upgrade to 25k account...whether new firstap will be issued? or same old tap card will fetch 3 points per 150 now...
pla guide how to upgrade

Use same old IDFC Firstap RuPay DC (add-on debit card).

you will again get welcome reward and transaction reward + 10x reward as per your upgrade account.

 

[saber.mbt]

I don't want to add to the argument, since @desiviru is responding more effectively to you than I would, but I just want to say this.

It's your fault. It's not a "surprise deduction". The banks are very clear with debit card fees and ATM fees. If you are going to have a debit card, it's on you to keep the required balance for debit card fees. If you are withdrawing from an ATM, it's on you to keep the required ATM fee in the account.



I was merely responding to this comment. Nowhere in your comment does it sound like the fault is with you. They did you a favor in this case, they might not for everyone. "But they didn't reverse 18% GST" <-- They didn't owe you any reversal in the first place.


Yes, you are doing a good job warning people of the fees incurred when making a mistake, thank you for that. Knowing how much banks can charge should keep people on their toes. Also good to know that you were able to get something reversed by fighting with the bank, but that's not exactly setting a good precedent.

Glad you took the time to repeat what the fine print says, but the issue wasn’t ignorance, it was timing.

Small charges silently deducted just before Autopay can cause failures even when balance is maintained.

I shared it so others don’t lose thousands chasing ₹750 cashback.
If that bothers you more than the penalty itself, maybe recheck who’s really missing the point.

 

[saber.mbt]

You are just "saying it for sake of saying it" that you understand my points and then you again came back to where you are stuck.

Keep sticking there with "not-my-fault" thinking.

I have 21 bank account in 15 different banks and having 7 debit cards and trust me I know when for which card charges are debited.

Bank's system just did what they are designed to do. Emphasizing on JUST 33 PAISA won't help your case.

You can play the not-my-fault thing till the time you want to.

I ask you, if you are purchasing Rs.1000 stuff and balance is 999.50 and your txn declines and then charged Rs.23.60 as insufficient charges, should bank be blamed for keeping 999.50 and doing txn of 1000? Will we go and say for sake of 50 paisa, txn should have been allowed? This is what I can all sense from your repeated things.

Get over it. It was your fault and this is the harsh reality here.

#NotMyDuty_BlameTheStupidity

I’m not stuck, I’m highlighting a real flaw in automated systems and clearly it resonated with many, even if a few choose to mock instead of reflect.

Your analogy doesn’t fit. I didn’t attempt a ₹1,000 payment with ₹999.50 balance. My account was funded, the shortfall was created by silent deductions right before Autopay.

It’s not about playing victim or refusing responsibility, it’s about warning others that even when we’re careful, bank systems can still trip us up without transparent notifications.

You managing 21 accounts is commendable, but not everyone audits their bank balance by the second. That’s why sharing experiences matters, to prevent loss, not shift blame.

Sometimes speaking up isn’t denial, it’s accountability with awareness.
#KnowBetter #NotJustFinePrint