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

[Amit_1]

That’s true, but it really depends on how seriously the information is used—or misused. Today, information is the most valuable thing, and sharing it between companies is almost unavoidable. What matters is the purpose for which the information is being shared. For example, I recently joined a well-known gym, and the very next day, I got a call from a supplement company trying to sell me products. It was clear my data had been shared, but it didn’t feel harmful—it was just marketing, and the product could have actually helped with my fitness.

But in contrast, a colleague of mine joined a new, lesser-known gym that made big promises under an ‘early bird’ offer. Turns out, the gym used his personal details to take a loan of ₹2 lakhs in his name—and did the same with other early bird members too. I’m now fighting this case for him in court. I hope this explains my point.

Without getting KYC or registered mobile OTP, they raised a loan on the Aadhar and PAN?

 

[Abhishek012]

how much RPs for IDFC Classic debit card when paying CC bills?
Also which platform to use as its VISA debit card...

Apply 2nd IDFC Debit Card, IDFC Firstap RuPay debit card (read main post, how to apply).

Your both card will co-exist.

Now use Zavo app and pay credit card bill using IDFC Firstap RuPay debit card

Both card rewards is same because reward rate depend on account variant not card variant

 

[nikhilv0303]

Koi app hai for IDFC jo PAN ke bina chale?

 

[darkjediknight]

Koi app hai for IDFC jo PAN ke bina chale?

Nahi hai currently koi app

 

[dawoodp]

Any one facing issue with hdfc bill pay my bill auto pay date was 2 June but till now it is not initiated but when I try it manually app displayed error
Any solution

Same here, auto payment not getting through. Even manual one

 

[Rakshitk99]

Yesterday I got RECHARGE PP on PhonePe, does anyone know which MCC is that?

That's utility 4814 which app goodscore or phone pe app itself

 

[GTSaketh]

That's utility 4814 which app goodscore or phone pe app itself

It's on PhonePe

 

[Finchamp!]

Without getting KYC or registered mobile OTP, they raised a loan on the Aadhar and PAN?

Yes. It happens all the time. There are numerous co-operative banks, beyond the reach of RBI, which issue such loans easily. Forget OTP or other forms verification - they dont even have proper paperwork. in the last 5 years, many such co-operative banks have come into limelight which are fronts for mafia black money. Hum log retail banking waale hain, hum nahi samjhenge. Real world is extremely twisted!

 

[Aeon-Nocturne]

Yes. It happens all the time. There are numerous co-operative banks, beyond the reach of RBI, which issue such loans easily. Forget OTP or other forms verification - they dont even have proper paperwork. in the last 5 years, many such co-operative banks have come into limelight which are fronts for mafia black money. Hum log retail banking waale hain, hum nahi samjhenge. Real world is extremely twisted!

Same thing happened with a friend, he has so many loan accounts in Cybil now

Thread 'Loan Identify theft'

Feb 24, 2025

Two years ago, I think my friend had a big fraud; he used some fake loan app in desperation that copied all his contacts and later harassed him and all his contacts, including sharing edited PAN card images on WhatsApp with bad language, filling reports, etc. did nothing; his family had to pay 10+ lakh to stop it because his wife's family was harassing him because they were getting those calls. (These frauds happened to many people at that time.)

Well now in 2025 somehow he has 100+ loan accounts in his Cybil, even from some bank I never heard of. Trying to file a dispute is useless...

• Aeon-Nocturne
• Replies: 11
• Forum: Loan

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[Rakshitk99]

What we need is a fully featured Rupay Select Debit Card (with all benefits), having a slightly high Initial Fee (to avoid over-subscription), and annual fee waiver criteria of say, txn of 5K/month (similar to Kotak 811 Super Metal DC), in collaboration with CRED, which gives 10% cashback upto INR 2000/ month, upon paying CC bills on the app. 😎 😅.

Mungerilal k haseen sapne. Even if bred gets that insane funding round those morons will spend 90% of the same in having 10 new useless ads rather than giving any value to its users.

 

[Rakshitk99]

It's on PhonePe

Not getting it on any card in phonepe you might be using goodscore autodebit gateway or more than 2 lac bill.

 

[GTSaketh]

Not getting it on any card in phonepe you might be using goodscore autodebit gateway or more than 2 lac bill.

No, i did manual payment in Phonepe,
But I used HDFC Millennia Mastercard.

And amount less than 1000.

 

[Kamalraj]

Not getting it on any card in phonepe you might be using goodscore autodebit gateway or more than 2 lac bill.

Agar 2L se kam ho to bill???

 

[anshbirani]

Does anyone have any idea of Freecharge, it is letting me pay via Debit Card, not sure the reward points it fetches with an IDFC Wealth Debit Card.

 

[cardio_guycardio_guy is verified member.]

Which debit card to use for getting maximum cashback for credit card bill payment? This is a good question and there are a lot of options around. But consider a practical and personal situation - I have some bank accounts, is it worth the time and effort to open a new bank account just for credit card bill payment, just because their card gives extra cashback? how many of us do that?

Another practical approach is to use existing bank accounts and make the best use of different apps or other payment systems to get cashbacks.
Like Amazon Pay UPI comes time-to-time with various offers for credit card bill payment - like Pay 3000 and get Rs 30 cashback etc. It is like 1% cashback, still good.

I have been using SBI VDC for bill payments, it gives 0.25% cashback straight, and additional 1000 points per lakh milestone. Overall returns will be something around 0.3 - 0.4 % if not more.
Then next best option is HDFC Smartpay, but there have been many cases of amount not getting deducted on time. I personally think so much of tension is not needed just to get a payment processed.

Apart from this apps like Paytm and others comes with credit card bill payment offers and cashbacks, (not regular, but time-to-time) but catching those opportunities are also good. But somehow personally I don't like opening new bank accounts like IDFC and RBL just for card bill payments.

 

[Kadich]

All, Is "Save the Sage" MCC working for paying CC bill through 811 DC?

 

[darkjediknight]

Which debit card to use for getting maximum cashback for credit card bill payment? This is a good question and there are a lot of options around. But consider a practical and personal situation - I have some bank accounts, is it worth the time and effort to open a new bank account just for credit card bill payment, just because their card gives extra cashback? how many of us do that?

Another practical approach is to use existing bank accounts and make the best use of different apps or other payment systems to get cashbacks.
Like Amazon Pay UPI comes time-to-time with various offers for credit card bill payment - like Pay 3000 and get Rs 30 cashback etc. It is like 1% cashback, still good.

I have been using SBI VDC for bill payments, it gives 0.25% cashback straight, and additional 1000 points per lakh milestone. Overall returns will be something around 0.3 - 0.4 % if not more.
Then next best option is HDFC Smartpay, but there have been many cases of amount not getting deducted on time. I personally think so much of tension is not needed just to get a payment processed.

Apart from this apps like Paytm and others comes with credit card bill payment offers and cashbacks, (not regular, but time-to-time) but catching those opportunities are also good. But somehow personally I don't like opening new bank accounts like IDFC and RBL just for card bill payments.

Especially with the current scenario where all doors are getting shut, doesn’t make much sense anymore to open new accounts.

 

[rajarancho]

Especially with the current scenario where all doors are getting shut, doesn’t make much sense anymore to open new accounts.

Anybody knows any other way to pay jupiter cc bill apart from the jupiter app.? TIA

 

[Hemang]

Which debit card to use for getting maximum cashback for credit card bill payment? This is a good question and there are a lot of options around. But consider a practical and personal situation - I have some bank accounts, is it worth the time and effort to open a new bank account just for credit card bill payment, just because their card gives extra cashback? how many of us do that?

Another practical approach is to use existing bank accounts and make the best use of different apps or other payment systems to get cashbacks.
Like Amazon Pay UPI comes time-to-time with various offers for credit card bill payment - like Pay 3000 and get Rs 30 cashback etc. It is like 1% cashback, still good.

I have been using SBI VDC for bill payments, it gives 0.25% cashback straight, and additional 1000 points per lakh milestone. Overall returns will be something around 0.3 - 0.4 % if not more.
Then next best option is HDFC Smartpay, but there have been many cases of amount not getting deducted on time. I personally think so much of tension is not needed just to get a payment processed.

Apart from this apps like Paytm and others comes with credit card bill payment offers and cashbacks, (not regular, but time-to-time) but catching those opportunities are also good. But somehow personally I don't like opening new bank accounts like IDFC and RBL just for card bill payments.

Jokes apart bhai, frankly telling, kitna return milta hai usse jyada important aur maza iss chiz me aata hai ki hum dhundte hain, technofino pe kuch puchte hain, matlab all this activites draw actual fun, Getting cashback with all this chaos is our Fruit.

 

[cardio_guycardio_guy is verified member.]

Jokes apart bhai, frankly telling, kitna return milta hai usse jyada important aur maza iss chiz me aata hai ki hum dhundte hain, technofino pe kuch puchte hain, matlab all this activites draw actual fun, Getting cashback with all this chaos is our Fruit.

yes bro. Agree.
BTW, I just paid towards a credit card bill Rs 3000 using Amazon pay UPI and got Rs 50 cashback.
There was some offer running. that is straight 1.67% 😍
Check Amazon Pay, this offer could be there.