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

[cardio_guycardio_guy is verified member.]

Is the first post in this thread on page 1 still updated as of the latest changes? @Abhishek012

 

[manit]

If we add a member in idfc wealth family banking Then the reward capping will be same as 50k as the primary member or individually 50k meaning both the primary member and the member added will have individually 50k points
Total 100k points per account?

From my personal experience the reward capping is for all the linked account not individually.

 

[nikhilv0303]

Anyone got RPs on PhonePe today using IDFC visa?

 

[newmakerhere]

It does give points for 100 rupees transaction, I tried it today

Where you tried?

 

[lightwaves]

any working method left for this?

 

[Hemang]

any working method left for this?

ha bhai ye to janane vali baat hai

 

[NikhilG]

bro, I agree, just parked money to buy a plot. Looking from last 3 months, about to finalize

Same here, where did you finalize. I'm also deciding. Can we discuss?

 

[NikhilG]

I would sat lot of information is sometimes not beneficial. I got idfc private at first place to use idfc debit card for points and zero forex for my europe trip. After 50k idfc private gives accelerated rewards on dc spends plus zero forex Anyway. I almost finalized and carried my card but the information hit me and I thought why not pay via scapia cc right now and anyway I would get rewards later on bill payments.
Guess what my scapia bill is 3.1 lakh due in somedays 😃

 

[sourpai]

I would sat lot of information is sometimes not beneficial. I got idfc private at first place to use idfc debit card for points and zero forex for my europe trip. After 50k idfc private gives accelerated rewards on dc spends plus zero forex Anyway. I almost finalized and carried my card but the information hit me and I thought why not pay via scapia cc right now and anyway I would get rewards later on bill payments.
Guess what my scapia bill is 3.1 lakh due in somedays 😃

Did you try withdrawing cash using IDFC Private DC at ATM outside India during your trip? Is it also zero forex without any charges?

 

[Codehan]

I was previously using the IDFC FIRSTTap RuPay card and had not activated my IDFC Visa Classic card. I have now activated it and made a transaction on PhonePe with the merchant name "www.phonepe.com," but I did not receive any reward points. Could this be because I just activated the card?

Yes, new ID_FC debit cards have this issue where you won't see reward points, you need to wait for 14 days and then reach out to customer care and ask them if the transaction was eligible for points and then they will link the card to your rewards account so that you will get the points instantly.

 

[lonely wolf]

try with 200, RPs start from INR 150

Achieved the 50k spend, so now on every 100 counts. Also the transaction category shows Loan EMI. I guess it's excluded category.

 

[himanshu_eco]

Couldn't go through the complete thread, but can anybody share what do you guys use these Zavo coins for?

I have been paying my bills (1L+ every month) using SBI Virtual RuPay DC for quite some time, 1% was really good return. I still pay using SBI DC (still gives 0.5%). Anyway, read that Zavo supports RuPay DC so paid my last few bills with it. Have accumulated over 50K coins but I don't see any way I can use it effectively. The only way is to buy something on their *Zavo Mall*, and even there you have to pay almost entirely so I doubt anyone would use it.

Anyone was able to utilise it? or should I just hit uninstall?

Zavo coins or the Zavo Cashback is just a gimmick. Bought a oneplus Neckband and the same got cancelled after few days. Done the transaction for like 15-20 times, everytime zavo coins deducted and also ₹1. They cancelled one successful order and didn’t even refund that remaining Rs.15-20. Now the frozen money got unfrozen and i tried to redeem the same, app showing successfully tranferred but no money i have received even after 15 days. So don’t focus on Zavo Coins or Cashback amount showing there.

 

[Prem03]

ask this guy @Abhishek012

if you find one, post here for us

@Abhishek012 Commander aapne kaha tha ki Zavo band hone ke baad new App ka naam bataoge. Ab to bata do jab kuch nahi chal raha.

 

[Anukul011]

Where you tried?

Tried by doing a prepaid recharge

 

[NikhilG]

Achieved the 50k spend, so now on every 100 counts. Also the transaction category shows Loan EMI. I guess it's excluded category.

is phone pe on visa not working?

 

[Sobirvs]

If we add a member in idfc wealth family banking Then the reward capping will be same as 50k as the primary member or individually 50k meaning both the primary member and the member added will have individually 50k points
Total 100k points per account?

It is individually. I can 100% guarantee it. I have done it on my acc, my dad's, and my mom's.

 

[lonely wolf]

is phone pe on visa not working?

Now rarely getting the www.phonepe.com merchant name. Only merchant name with the mentioned is getting rp I think.

 

[thomasjackson]

Anyone got RPs on PhonePe today using IDFC visa?

Yes. Instant RPs received on PhonePe as on 10 August 2025.

Merchant name on otp "phonepe".

Merchant name on statement "WWW PHONEPE COM".

Tried it in multipes of 2000. Got it frequently.

 

[nikhilv0303]

Yes. Instant RPs received on PhonePe as on 10 August 2025.

Merchant name on otp "phonepe".

Merchant name on statement "WWW PHONEPE COM".

Tried it in multipes of 2000. Got it frequently.

I tried with same merchant, but no points getting credited

 

[Loki_Fino]

I tried with same merchant, but no points getting credited

Getting points instantly on merchants name should be either full caps or small letters www.phonepe.com