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

[NikhilG]

as informed by IDFC, legaltecho merchant that Zavo uses is blocked from there side.

Why no one using rupay tap idfc on phonepe. One of my friend got rewards and no convenience fee as well

 

[RupayMan]

Why no one using rupay tap idfc on phonepe. One of my friend got rewards and no convenience fee as well

How many months back

 

[NikhilG]

Just today, I'm just trying 150 and will update you

 

[HumorSimpson]

Just today, I'm just trying 150 and will update you

Update in this format

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

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

Aug 13, 2025

It would be better if everyone follows the following template

Date of txn : 13th aug 2025
Amount apprx : 20K inr
App : phone pe
DC : IDFC Visa DC
OTP merchant : phonepe <-make sure you write in correct case. upper or lower.
Rewards : Yes or No

• HumorSimpson

• 

 

[Tamraj Kilvish]

Dm me, bro

Finally I got one more to earn points for paying credit card bill payment. I confirmed it. Point received. Should I publish app name ?

 

[Amit_1]

Dm me, bro

he's using snapay

 

[iamgroot]

Why no one using rupay tap idfc on phonepe. One of my friend got rewards and no convenience fee as well

name kya aya..???

 

[alok416]

Guys !! Just think once... Which apps you have tried in past....Maybe one of them is working 🤔

 

[INN]

Date: 13 Aug 25
Amount: 1197
App: PhonePe
DC: IDFC RuPay DC
OTP merchant: "PHONEPEPRI"
Rewards: No

 

[HumorSimpson]

Date: 13 Aug 25
Amount: 1197
App: PhonePe
DC: IDFC RuPay DC
OTP merchant: "PHONEPEPRI"
Rewards: No

Thanks a lot. If every one follows this, there is no need to ask questions.

 

[Nikhilize]

Guys !! Just think once... Which apps you have tried in past....Maybe one of them is working 🤔

Give some hint bruh

 

[INN]

Date: 13 Aug 25
Amount: 565.36
App: PhonePe
DC: IDFC VISA DC
OTP merchant: "phonepe"
Rewards: Yes
Fee: 1.69 INR

 

[HumorSimpson]

Date: 13 Aug 25
Amount: 565.36
App: PhonePe
DC: IDFC VISA DC
OTP merchant: "phonepe"
Rewards: Yes
Fee: 1.69 INR

@mojo_jojo123 @ragveer This is what we have been telling since yesterday. The casing of otp merchant is the thing.

 

[INN]

@mojo_jojo123 @ragveer This is what we have been telling since yesterday. The casing of otp merchant is the thing.

To add to your observation - I think the OTP with "phonepe" merchant name is specific to IDFC's Visa DC (vs RuPay DC); not sure if anyone experienced otherwise.

 

[H4CK_H0PP3R]

Is it worth paying extra 900rs charges (0.6% of 1.5L bill) for I d f c select account? Is it really worth after conversion. if yes how & for what? As I know we can't convert to cash.

 

[BhaiyaJi]

Is it worth paying extra 900rs charges (0.6% of 1.5L bill) for I d f c select account? Is it really worth after conversion. if yes how & for what? As I know we can't convert to cash.

Depends bro. I a lot of users would be happy with lets say 1% reward in form of Amazon shopping voucher. Since they use Amazon a lot. Maybe its not beneficial for you.

 

[kev569]

Is it worth paying extra 900rs charges (0.6% of 1.5L bill) for I d f c select account? Is it really worth after conversion. if yes how & for what? As I know we can't convert to cash.

Absolutely

You would earn approx 1700-1750 after fees of phonepe and redemption fees on IDFC app.

 

[NikhilG]

Is it worth paying extra 900rs charges (0.6% of 1.5L bill) for I d f c select account? Is it really worth after conversion. if yes how & for what? As I know we can't convert to cash.

I'm also in same dilemma. Imho I don't think so if it's worth. Imagine not getting reward points or idfc removing asv from redemption. If you have small bill, maybe divide in parts for 0.3 percent surcharge

 

[NikhilG]

Depends bro. I a lot of users would be happy with lets say 1% reward in form of Amazon shopping voucher. Since they use Amazon a lot. Maybe its not beneficial for you.

not worth, I'm private user Still not feeling to pay extra 0.6 percent

 

[NikhilG]

Is it worth paying extra 900rs charges (0.6% of 1.5L bill) for I d f c select account? Is it really worth after conversion. if yes how & for what? As I know we can't convert to cash.

Try with idfc rupay on phone pe. No convenience charges and you might get reward points