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

[mojo_jojo123]

Just to correct you here, NPCI holds the payment as their escrow doesn't have sufficient funds.

Once they get the payments next day, NPCI once refreshes their system, it(NPCI) automatically starts processing payments.

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[Avatar Aang]

New trick
Install all 3 apps and register phonepe only and don't register gpay and paytm . Don't uninstall any apps. Just try . You get every time debit card option. No need to do anything.

Minimum payment required??

 

[rakeshsajjan45]

New trick
Install all 3 apps and register phonepe only and don't register gpay and paytm . Don't uninstall any apps. Just try . You get every time debit card option. No need to do anything.

Not working... Tried both in Android and iPhone

 

[rakeshsajjan45]

Sbi Rewardz removed Credit card bill payment option itself....

Any other way to redeem RP from sbi i have more then 20k + points

 

[hotice7]

If people are seriously paying 1500 just to be able to get RP on CC payments, thats a dumb decision and this is the consequence of their stupid action.

Subscribe to the app for what they offer, not to get 1% cashback for cc payments. Seriously, whats up with this decision making? Speaking this as someone that actually holds their elite plan for a while now.

How have you benefited from the elite plan ? Please explain so that buying the plan makes more sense.

 

[mojo_jojo123]

how much amount is safe in good score ?

 

[jatinpatel]

Pay via PhonePe app only on merchant name- www.phonepe.com on payment page and "phonepe" (lower caps) in OTP.

0.60% charges. Try with a lower amount and then go for a big amount.

Keep trying until you get the correct merchant name.

Thank you.. this worked with visa DC. Got credit of RP immediately.. but can't understand the reward point calculation... Got 6340 RP on payment of 98669(bill amount)+592(0.6%charge by phonepay)=99261.
I have IDFC wealth DC

 

[mgforce]

how much amount is safe in good score ?

Whatever one can afford to remain blocked for sometime. Failures do happen

 

[mira21]

Not working... Tried both in Android and iPhone

Ios not working. Android working fine

 

[mira21]

Minimum payment required??

No, but you should pay full amount

 

[ARIX]

Should I select phonepe for payment ? @mira21

 

[rakeshsajjan45]

Should I select phonepe for payment ? @mira21

If you select phone pay you will not get debit card option you only get upi option...
I am also not getting debit card and morning I am trying msg all the message

 

[vvkprabhu]

Thank you.. this worked with visa DC. Got credit of RP immediately.. but can't understand the reward point calculation... Got 6340 RP on payment of 98669(bill amount)+592(0.6%charge by phonepay)=99261.
I have IDFC wealth DC

First ₹50000 - 1333 RP (50000/150x4) Balance ₹49621 - 4926 RP (49621/100x10)

 

[Adith]

Bhai if they give a guarantee that this feature will be available for 1500 for a year for all cards numbers on my family I am ok to pay. You can get 60-80k points per month from IDFC which is not even 5-10% of benefits. But I don't trust them this would work as they would run out of money after sometime and disable the option.

But you are missing the most important point. What guarantee do you have that even if savesage promises to have the option available atleast for a year , that idfc won't stop rewarding the particular mcc ? Cause this is dependent on two players , card and platform. Not just the platform.

 

[Adith]

How have you benefited from the elite plan ? Please explain so that buying the plan makes more sense.

I took the elite plan when it was offered with insanely good discount.

Since I have almost 20 cards , tracking the RP , their forex charges , lounge benefits etc are all useful for me along with transfer partners and stuff. I joined savesage extremely early too. I also have used their consultation for a trip planning and will use it again hopefully in a month time .

Would I renew for 4999? Nope. If they offer similar discount, I'll renew since I like seeing the card benefits , fees and everything at one place.

It works for me since I have so many carfs , can't say same for most folks.

 

[federer.reddevil]

First ₹50000 - 1333 RP (50000/150x4) Balance ₹49621 - 4926 RP (49621/100x10)

How many times need to try for the PG? I tried 10 times everytime Phonepe Pvt

 

[Rajkumar_Chandrabose]

Pay via PhonePe app only on merchant name- www.phonepe.com on payment page and "phonepe" (lower caps) in OTP.

0.60% charges. Try with a lower amount and then go for a big amount.

Keep trying until you get the correct merchant name.

Hey, I did the same as you mentioned but I did not receive the RP. I am using IDFC Visa Infinite DC. I got sms with phonepe lower caps. Am I missing anything?. I tried multiple times and got the same result. Today is the last date to clear my cc dues. Any help would be appreciated. TIA

 

[VGisHere]

12:48, Zavo + IDFC Rupay debit still not working.

So, is this still down?

 

[Adith]

So, is this still down?

Tried yesterday night and yes it was still failing

 

[cardio_guycardio_guy is verified member.]

I took the elite plan when it was offered with insanely good discount.

Since I have almost 20 cards , tracking the RP , their forex charges , lounge benefits etc are all useful for me along with transfer partners and stuff. I joined savesage extremely early too. I also have used their consultation for a trip planning and will use it again hopefully in a month time .

Would I renew for 4999? Nope. If they offer similar discount, I'll renew since I like seeing the card benefits , fees and everything at one place.

It works for me since I have so many carfs , can't say same for most folks.

Is the pro plan worth for someone with one or two points based cards - say and Atlas and a Regalia Gold?
In other words, I am looking to know what exactly does it offer?

Card bill payment reminder - Almost all apps provide this, I don't find any value there.
See cards - I don't want to see all my cards in one place, again all other apps provide this feature as well.
Spend pattern - This is good to an extend, but not all spends are categorized correctly. (like self UPI transfer etc)
Apart from that I have not linked gmail, so I am not sure how it tracks reward points. But again asking - is it useful for people with 2-3 reward points cards?