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Which Debit Card to use for Credit Card Bill Payment in July 2025
- Thread starter Abhishek012
- Start date
- Replies 8K
- Views 581K
nirukolhatkar
TF Buzz
Give the details like, Amount, Card (Rupay/Visa)
H4CK_H0PP3R
TF Select
Date of txn : 15th Aug 2025 (Around 2am with interval of 20 minutes)
Amount approx : 7.9k, 8k, 43.5k, 49k, 41k (without convenience)
App : phone pe
DC : I D F C Visa DC
OTP merchant : phonepe
Rewards : Yes for all instant
Payment gateway : U (green animation)
954xxx is the OTP for your transaction with phonepe for INR 43771.06 using IDFC FIRST Bank debit card ending xxxx. Validity: 5 minutes. Please do not share. To raise a dispute, call 1800 10 888.
Note : yesterday afternoon i was not at all getting this merchant
Amount approx : 7.9k, 8k, 43.5k, 49k, 41k (without convenience)
App : phone pe
DC : I D F C Visa DC
OTP merchant : phonepe
Rewards : Yes for all instant
Payment gateway : U (green animation)
954xxx is the OTP for your transaction with phonepe for INR 43771.06 using IDFC FIRST Bank debit card ending xxxx. Validity: 5 minutes. Please do not share. To raise a dispute, call 1800 10 888.
Note : yesterday afternoon i was not at all getting this merchant
nirukolhatkar
TF Buzz
But is paying Transaction Fees for using Visa card worth against what reward points we get ?
Because for 10k of payment it's showing 60 rs as transaction charges
H4CK_H0PP3R
TF Select
Depends on dc variant & amount you trying..not worth below 50k for any variant ..check last few pages for calculation.
Loki_Fino
TF Select
You get 1.9% if have crossed 50K for this month and below it's nothing you get.
nirukolhatkar
TF Buzz
For payment of 1 Lakh convenience fees is 600 rs for Visa Card. This will be worth only if get min. 2900 points.
Loki_Fino
TF Select
If you crossed 50K already you get 10K points otherwise you get 6340points ( in value first 50K for entire month 333â‚ą + 2.5% above 50K it's for first to above account holders)
nirukolhatkar
TF Buzz
I made two transactions as below using Visa card
1. Rs. 1003 (for 1k bill payment) - received RP immediately
Merchant Name - Phonepe
2. Rs. 2006 (for 2k bill payment) -
Didn't receive any RP.
Merchant Name - Phonepe Private Limited
It has become Highly unpredictable..
1. Rs. 1003 (for 1k bill payment) - received RP immediately
Merchant Name - Phonepe
2. Rs. 2006 (for 2k bill payment) -
Didn't receive any RP.
Merchant Name - Phonepe Private Limited
It has become Highly unpredictable..
Loki_Fino
TF Select
You didn't observed thread fully what criteria and what all need to observe then you can able to predict otherwise will not will be in unpredictable situations.
nirukolhatkar
TF Buzz
It becomes very difficult and time consuming to go through whole thread.
Is there anyway we can get summarised information either using any AI tool like ChatGPT which can go through all the comments and provide the useful information only.
Received the points.
IDFC VISA
Pay U payment gateway.
IDFC VISA
Pay U payment gateway.
nirukolhatkar
TF Buzz
Can we choose the payment gateway by any chance?
NO, phonepe chooses this on their own, randomly.
How much amount did you pay
almost a lakh first time and then 40K.
I am getting justpay gateway everytime and PHONEPE PRIVATE LIMITED merchant which is not eligible.
Try with amounts < 10k. My success rate is higher in getting PayU for that.
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