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

[Loki_Fino]

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

You get 1.9% if have crossed 50K for this month and below it's nothing you get.

 

[saber.mbt]

Date of txn : 15th Aug 2025
Amount: 2K & 50K
App : phone pe
DC : I D F C Visa DC
OTP merchant : phonepe
Rewards : Yes
Payment gateway : U
Sms: phonepe

 

[nirukolhatkar]

You get 1.9% if have crossed 50K for this month and below it's nothing you get.

For payment of 1 Lakh convenience fees is 600 rs for Visa Card. This will be worth only if get min. 2900 points.

 

[iamgroot]

29

For payment of 1 Lakh convenience fees is 600 rs for Visa Card. This will be worth only if get min. 2900 points.

Itni baar to bata dia, www.phonepe.com

rupay me nhi ata

 

[Loki_Fino]

For payment of 1 Lakh convenience fees is 600 rs for Visa Card. This will be worth only if get min. 2900 points.

If you crossed 50K already you get 10K points otherwise you get 6340points ( in value first 50K for entire month 333₹ + 2.5% above 50K it's for first to above account holders)

 

[nirukolhatkar]

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..

 

[Loki_Fino]

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..

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]

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.

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.

 

[ashwinikumar900]

Received the points.
IDFC VISA
Pay U payment gateway.

 

[nirukolhatkar]

Received the points.
IDFC VISA
Pay U payment gateway.

Can we choose the payment gateway by any chance?

 

[ashwinikumar900]

Can we choose the payment gateway by any chance?

NO, phonepe chooses this on their own, randomly.

 

[newmakerhere]

Received the points.
IDFC VISA
Pay U payment gateway.

How much amount did you pay

 

[ashwinikumar900]

How much amount did you pay

almost a lakh first time and then 40K.

 

[newmakerhere]

I am getting justpay gateway everytime and PHONEPE PRIVATE LIMITED merchant which is not eligible.

 

[harshraj013]

Is axis link still working?

 

[10dulkar]

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.

 

[amazon_fan]

Any alternative for zavo found?

any suggestion to use zavo cash (not coins). I am not able to use.
I tried for electricity and fastag, for both zavo cash is not appearing.
after 90 days, zavo is showing me some Rs 170 as redeemable, but not able to use.

If there is no way, then i want to uninstall zavo.

 

[SmartyAadi]

I am getting justpay gateway everytime and PHONEPE PRIVATE LIMITED merchant which is not eligible.

Rupay try kar rahe hai kya?

Rupay se muze bhi har baar wahi aya, but if I pay via Visa, I get the PhonePe one.

 

[amazon_fan]

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

is it correct, VISA DC without convenience charges ??

 

[SmartyAadi]

is it correct, VISA DC without convenience charges ??

They probably meant that the amounts they are sharing are exclusive of fees