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

[Tejaa]

Did you check account statement. Probably amount got deducted.

No, it is not! The second transaction failed. I was doing on Unipay, before that, the first txn was on the Onecard app.

SBI Rupay DC got blocked after the second transaction, and now I'm asked to contact the home branch! My home branch got shifted to another district!

When checking the balance through UPI, it's showing only 10rs! Whereas it should show 50K!

Update: The balance was showing only 10rs on UPI apps, checked PhonePe, Paytm, and others. VDC was blocked, and the activation button wasn't working.

Somehow logged into the World's most secure bank's app(SBI Yono app), had to change password, since they think a normal human being should change password every alternate week.

Transferred the whole balance to my other account through the fund transfer option. I am glad it was only 50K, else they wouldn't have allowed that in 1 day. Also, they showed me 5 moral and financial lessons on the screen before I transferred my own money!

 

[ritziveer]

I've multiple CC bill payments to be done and every time when I pay for 4-5 credit card bills, I get an automated call from IDFC First Bank to mark the transaction as genuine.

Last time, even after marking the transaction as genuine, the debit card wasn't unblocked and I had to contact support executive. After some hassle, the debit card was unblocked.

This time, again, same drill but even after marking transaction as genuine, the debit card isn't allowing me make online payments. I even tried purchasing Rs. 10 Amazon Pay Gift Card but that too failed. I've complained to the bank and they're saying max. turnaround time is 5 days.

It's a regular thing now, anyone else faces this as well? And for the last 2 times, after marking the transaction as genuine over automated call, I'm unable to make payments after the call. I think, if I split making payments in a batch of 3 with gap of 2-3 hours in between, this won't happen but I would like to know from others if they face this too and solution they follow (if any).

I have never made >3 in a single day. so I didn't face such issue. I usually pay for many cards in a month.

 

[Abhishek012]

SBI Rupay DC got blocked after the second transaction, and now I'm asked to contact the home branch! My home branch got shifted to another district!

When checking the balance through UPI, it's showing only 10rs! Whereas it should show 50K!

Update: The balance was showing only 10rs on UPI apps, checked PhonePe, Paytm, and others. VDC was blocked, and the activation button wasn't working.

Somehow logged into the World's most secure bank's app(SBI Yono app), had to change password, since they think a normal human being should change password every alternate week.

Transferred the whole balance to my other account through the fund transfer option. I am glad it was only 50K, else they wouldn't have allowed that in 1 day. Also, they showed me 5 moral and financial lessons on the screen before I transferred my own money!

which app ?

SBI sometime block DC, if you do transaction on utility category or Zavo app except SBI Unipay.

Paytm, phonepe, freecharge, billdesk is CC bill pay category and no problem here.

 

[devztu]

Zavo is still working? Correct!! Have few CC bills

 

[rakeshsajjan45]

which app ?

SBI sometime block DC, if you do transaction on utility category or Zavo app except SBI Unipay.

Paytm, phonepe, freecharge, billdesk is CC bill pay category and no problem here.

Bro is zavo X idfc first tap still working? For CC payment

 

[rakeshsajjan45]

Bro is zavo X idfc first tap still working? For CC payment

It's working.....but I got only 13 RP for 1k transaction...

I mean that's like Rs.3

Did anything T&c changed?

 

[federer.reddevil]

Anybody have idea about MCC 6227?

Does Indus_nd DC or any other DC provide RP for the same?

 

[rakeshsajjan45]

Anybody have idea about MCC 6227?

Does Indus_nd DC or any other DC provide RP for the same?

Merchant Category Code (MCC) 6227 is designated for Security Brokers/Dealers. This code is used to classify businesses that provide services related to securities, such as brokerage, trading, and dealing in stocks, bonds, and other financial instruments.

This may not fetch any rewards. (Not verified just based on previous knowledge)

 

[strangelets]

Kotak811 app m
Jo cashback tracking vala h usme pichle month to 500 dikha rha tha
Aaj 0 show kr rha h july ka

 

[federer.reddevil]

Merchant Category Code (MCC) 6227 is designated for Security Brokers/Dealers. This code is used to classify businesses that provide services related to securities, such as brokerage, trading, and dealing in stocks, bonds, and other financial instruments.

This may not fetch any rewards. (Not verified just based on previous knowledge)

I asked ChatGPT it says 6227 doesnt correspond to any standard code while 6211 is for Brokers/Dealers hence clarifying.

Just need to know whether 6227 gives rewards for Indus_nd DC or not

 

[Mcdatptpssb]

Kotak811 app m
Jo cashback tracking vala h usme pichle month to 500 dikha rha tha
Aaj 0 show kr rha h july ka

Same.. Thing for me.. Did you ask the customer care

 

[sumeet]

I asked ChatGPT it says 6227 doesnt correspond to any standard code while 6211 is for Brokers/Dealers hence clarifying.

Just need to know whether 6227 gives rewards for Indus_nd DC or not

Ye kis app mai aa raha hai

 

[federer.reddevil]

Ye kis app mai aa raha hai

Pi_ce app its coming

 

[sumeet]

Pi_ce app its coming

Isme indus visa & mc mai rewards milega kya

 

[federer.reddevil]

Isme indus visa & mc mai rewards milega kya

Dont know MCC is 6227. Thats why asking whether 6227 is excluded or not in Indus_nd

 

[krishnam]

Kotak811 app m
Jo cashback tracking vala h usme pichle month to 500 dikha rha tha
Aaj 0 show kr rha h july ka

wheres the option to see that

 

[CreditFreak]

Do we have a way to pay pixel CC bill through id_fc dc? Za_v0 seems to be not working .

 

[psk3005]

which app ?

SBI sometime block DC, if you do transaction on utility category or Zavo app except SBI Unipay.

Paytm, phonepe, freecharge, billdesk is CC bill pay category and no problem here.

what is the best app to pay cc bill using sbi vdc, is unipay still working and fetching rewards ?
all the other apps : paytm, phone pe, freecharge are they also fetching rewards for sbi vdc currently ?

 

[Cebu]

Yes it gives

Visa or Master ?

 

[Abhishek012]

what is the best app to pay cc bill using sbi vdc, is unipay still working and fetching rewards ?
all the other apps : paytm, phone pe, freecharge are they also fetching rewards for sbi vdc currently ?

Use Paytm, phonepe, freecharge, billdesk website for cc bill payment and no extra charges on RuPay and also get SBI Rewards.