amazon_fan
TF Select
I made 2 transactions in zavo today morning, 1 worked and 1 failed. But it was slow
-
Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.
Which Debit Card to use for Credit Card Bill Payment in June 2025
- Thread starter Abhishek012
- Start date
- Replies 5K
- Views 315K
-
- Tags
- credit card debit card hdfc kotak rbl rupay sbi upi visa wallet
amazon_fan
TF Select
Hello friends
Slightly off topic.
My idfc was 10k regular account.
Got migrated to WEALTH.
Now, it says, they would send NEW WEALTH debit card and asking to continue using existing card (regular VISA / Rupay) and upon activation of new wealth card, old gets deactivated.
So, question is, once new wealth debit card gets activated, only VISA gets deactivated or BOTH rupay & regular VISA gets deactivated ?
Should i apply for rupay again ??
Slightly off topic.
My idfc was 10k regular account.
Got migrated to WEALTH.
Now, it says, they would send NEW WEALTH debit card and asking to continue using existing card (regular VISA / Rupay) and upon activation of new wealth card, old gets deactivated.
So, question is, once new wealth debit card gets activated, only VISA gets deactivated or BOTH rupay & regular VISA gets deactivated ?
Should i apply for rupay again ??
Once your wealth DC appear in APP, activate it and it will disapper your old VISA card, FirstTap RuPay DC will be the same it won't change or deactivated on your account upgrades..
sd18
TF Buzz
@Abhishek012 , is there any other thread of SBI VDC devaluation which I could not find ?
Auto upgraded, or did you have to hammer the RM?
I
Iam getting option to pay via savings ac, how to get FC gateway?
6ix9ine
TF Legend
Nobody created and there isn't any need. You can check yourself on the sbi rewardz website. PDC = VDC, which means 0.25% now.
sd18
TF Buzz
Yes that even I read on sunday. But What I meant was people here tend to find any flaw in the system.
So has any find out for this ?
6ix9ine
TF Legend
You can find flaw only if the reward system was reduced for specific MCCs.
But here, they have reduced it for everything.
So, unless you find someone from the SBI Rewardz team who change the code just for TechnoFino, only then you can enjoy flaw 😂😂
BhaiyaJi
TF Legend
Yes I have.
Don't worry. Extra points will be back again in coming months. Maybe September 2025 this time. Yeh garmi ke dino mein SBI mein paise ka sukha padta hai. Toh campaign ke max. pts bhi 300/500/600 aatey hai. October mein mausam accha rehta hai sidha 10K max. pts ke offer nikaltey hai us time.
Garmi mein AC pe zyada kharcha = Kamm rewards. Let the rain of rewards come in rainy season now in Aug/Sept.
@6ix9ine bhai, zara current campaign ki tnc pe nazar maaro. Niche mcc list daal di gayi hai. 🤣 Reconfirmation milli hai usme.
k
kitne working day ke bad?automatic or manual?
amazon_fan
TF Select
Otherday i called customer care for a different reason (check book), at the end she told, i am eligible for upgrade to WEALTH she asked to visit my branch.
Since my branch was in my native place ( because of aadhaar address ), i told i can't visit now, i said i will go next month, then she told to visit any nearest branch. I visited one near home, very first she told to transfer the account so that she will help for PRIVATE. I said ok and signed a transfer form.
Later my native branch manager started calling and asked not to transfer, he told he will do WEALTH immediately and meet me in a week. He also told after few months will do PRIVATE too.
That is how it happened 🙂
Not sure, if i missed PRIVATE option or can be happy with WEALTH only !!
Once we finish 50k spending in a month, SELECT / WEALTH / PRIVATE all same, but till 50k, there is difference.
Last edited:
txn date?refund date?505 errr ake paisa cut gya tha?
So idfc first tap is still working in June via phonepe? I earlier saw it was striked out.Which Debit card use for Credit Card bill payment in June 2025:
1) IDFC Debit cards: All IDFC account holder apply 2nd debit card - Add-on IDFC Firstap Sticker RuPay Platinum Debit Card.
You will get same reward points and 10x reward points benefit as per your account variant - Normal/General, Select, Wealth and Private account.
Apply 2nd IDFC Debit card ( primary visa/mastercard card + this add-on RuPay card both will coexist) from IDFC app, under your debit card section.
If you want to understand it better, think of it like this:
- For an IDFC Normal account – It’s an IDFC Classic/Signature Debit Card, but in the RuPay variant.
- For an IDFC Select account – It’s an IDFC Select Debit Card, but in the RuPay variant.
- For an IDFC Wealth account – It’s an IDFC Wealth Debit Card, but in the RuPay variant.
- For an IDFC Private account – It’s an IDFC Private Debit Card, but in the RuPay variant.
View attachment 84806
IDFC Firstap Sticker RuPay Platinum Debit Card, you will again get welcome bonus (remember - your welcome bonus included in your monthly rewards capping)
2000 welcome reward points on IDFC First normal account using IDFC Firstap Sticker RuPay Platinum Debit Card
4000 welcome reward points on IDFC First Select account using IDFC Firstap Sticker RuPay Platinum Debit Card
8000 welcome reward points on IDFC First Wealth account using IDFC Firstap Sticker RuPay Platinum Debit Card
20,000 welcome reward points on IDFC First Private account using IDFC Firstap Sticker RuPay Platinum Debit Card
Reward system for IDFC First Bank normal account using IDFC Firstap Sticker RuPay Platinum Debit Card -
2000 welcome reward points on IDFC First normal account transaction above Rs. 1000
Online transaction- earn 2 reward points for every Rs. 150 spend
Offline transaction- earn 1 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 150) for every Rs. 150 spent via debit card on incremental spends above Rs. 50,000 in a month.
IDFC First Bank Select account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -
4000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 3 reward points for every Rs. 150 spend
Offline transaction- earn 2 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.
IDFC First Bank Wealth account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -
8000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 4 reward points for every Rs. 150 spend
Offline transaction- earn 3 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.
IDFC First Bank Private account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -
20,000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 6 reward points for every Rs. 150 spend
Offline transaction- earn 4 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.
A monthly reward point accrual capping will be applicable based on user’s program membership. (w.e.f. 1st December 2023)
Reward Rate:-
Type of Program Monthly Point Capping General 8,000 Select 30,000 Wealth 50,000 Private 5,00,000
IDFC First Bank Normal Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.33%
Offline- 0.17%
10X category- 1.67%
Incremental spends above Rs. 50,000: Online- 1.67%; Offline- 1.67%
IDFC First Bank Select Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.50%
Offline- 0.33%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%
IDFC First Bank Wealth Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.67%
Offline- 0.50%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%
IDFC First Bank Private Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 1%
Offline- 0.67%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%
With IDFC, Card Variant don't matter but your account variant decides (use IDFC Firstap Sticker RuPay Platinum Debit Card) -
S.No. Account Variant Max. Pts Max. Spend 1. Normal Account 8000 Rs.1,60,000.00 2. First Select 30000 Rs. 3,40,000.00 3. First Wealth 50000 Rs. 5,36,660.00 4. First Private 500000 Rs. 50,30,000.00
Where to spend ?
Updated (24th May, 2025)
Use Zavo app and pay via IDFC Firstap RuPay debit card and get rewards.
Zavo Play store app -Zavo Ios store app -
zavo: EMI Payments & Rewards – Apps on Google Play
zavo makes loan & credit card repayments easy & rewarding! Get up to 5% cashbackplay.google.com
zavo: EMI Payments & Rewards
zavo is India’s trusted financial empowerment platform, designed to help you borrow smarter, manage credit efficiently, and achieve financial stability—while earning rewards—all in one place. Whether you need quick funds, want to monitor and improve your credit score, or need expert advice on...apps.apple.com
Before moving to another debit card, you might ask why we want to use IDFC RuPay?
Answer: Because "RuPay hai toh zindagi hai!" – okay, sorry, thora bhabnao me bahe gaya
Real answer: The RuPay variant has no extra charges on the Zavo app.
Second thing: With Visa/Mastercard, some merchant names are not eligible, but with the RuPay variant, you will always get the eligible merchant names I mentioned above.
2) SBI Physical RuPay Debit cards/SBI Virtual RuPay Debit Cards:
Okay, first go to the SBI YONO app or SBI Net Banking and apply for the "Virtual RuPay Global Variant" (SBI Virtual Debit Card is Lifetime Free).
Or if you credit card bill is huge then apply SBI Physical RuPay Platinum/Select debit card for higher transaction limit.
W.e.f 5th June, 2025 -
Now all SBI Debit Card - reward value 0.25%
If you spent more than 1 lakh or every 1 lakh spent you will get extra 0.25% milestone rewards
so total 0.50% (if milestone included)
1 reward pts = 0.25 paisa
Monthly reward capping - 10k rewards.
Update - you can do total 10 lakhs spend using SBI RuPay DC and get monthly 10k rewards capping but milestone benefit i think no limit and no monthly capping and not count on monthly rewards capping.
Before moving to another debit card, you might ask why we want to use SBI virtual RuPay ?
Answer: Because "RuPay hai toh zindagi hai!" – okay, sorry, bhabnao me again bahe gaya.
Real answer: Well, the RuPay variant offers rewards at many places—PhonePe, SBI Unipay, PayZapp, Navi, Paytm, Zavo app, Freecharge, BillDesk etc and also no extra charges on some apps using RuPay variant.
You can even pay your Amex and SCB bank credit card bills through BillDesk using RuPay variant.
If you keep using a Visa/Mastercard on just one website, it will get devalued quickly.
The rest is up to you—it's a free country, do whatever you want. But I'll just say, support Indian RuPay card.
More info visit this thread:
3) Bank of India: Better Rewards on All Debit cards (0.46%)
There is a separate post read here and apply Bank of India RuPay Classic/Platinum/Select variant and use on Phonepe app, freecharge app
Why Bank of India RuPay Classic/Platinum/Select variant ?
Answer: Because "RuPay hai toh zindagi hai!" – okay, sorry, phir se bhabnao me..
Real answer: The RuPay variant has no extra charges on the PhonePe app and Freecharge app.
4) HDFC Millennia Debit Card:
There is already a separate post about the HDFC Millennia debit card—read it from here:
5) HDFC Platinum Debit Card:
Well, this card is almost dead now, but someone just shared a trick. Read it and try it if you want and first read first few pages comments too -
Updated - This trick is working perfectly -
6) RBL Enterprise Debit Card:
1st use -
Freecharge app CC bill pay - 1% charges and 5% upto 1000 cashback (Pay 20k cc bill)
Merchant name/OTP SMS - accelyst solution
After transaction - FREECHARGE PAYMENT TEC Gurgaon IN
MCC Code - 4900
Note: 1% charge above 1k CC bill pay & i think 2 times per CC bill pay allowed per month (first time use 1k cc bill pay and ask RBL customer care to verify your MCC Code)
View attachment 84813
Now 2nd time Use -
Phonepe app - (well, you can do 5 times 2k cc bill pay and pay only 0.3% charges + 5% upto 500 Cashback)
Merchant name - phonepe recharge
MCC Code - 4814
"PHONEPE RECHARGE BANGALORE IN" gives 4814 MCC. The prob is that merchant name comes very rare.
OTP SMS - PHONEPE RECHARGE
After transaction - PHONEPE RECHARGE BANGALORE IN
View attachment 84814
7) Kotak 811 Super DC:
---------------------------------------------------------------------------------------------------------------------------------------------------------
"New updated from SaveSage app - https://play.google.com/store/apps/details?id=com.savesage.club&hl=en_IN
Credit Card bill pay on SaveSage app using Kotak 811 Super DC - 0.59% charges but 5% cashback upto Rs500 cashback per month. Debit card charges: 0.59% , MCC - 7392 (SAVESAGE SOLUTIONS PRI...)"
Note - Transaction under 1975 the charges are 0.59% beyond that it is 1.18%. Do multiple transaction of Rs1900. (1900x5 times + 500 = total 10k transaction).
------------------------------------------------------------------------------------------------------------------------------------------------------------
Just Dial website -
CC BILL >> DC FEES 2.12%
Merchant Name - IN OTP - WWW JUSTDIAL COM
AFTER TXN - JUSTDIAL47820
MCC Code - 7311 (ADVERTISING SERVICES) FEE 2.12%
What ?
Dnt like 2.12% Debit card fee ? Ok, there is another trick here
Update - Ebixcash currently removed debit card option.
8) RBL Signature+ DC, HDFC Millennia DC, Kotak 811 Super DC -
If you have RBL Enterprise DC then only milestone benefit will count here.
Android users - Use Ebixcash Full KYC Wallet UPI - Here add money MCC Code 5013 or 8999 (both are eligible category)
But remember - daily add money limit is Rs5000 only and no charges for Debit Cards.
New user first time register through Ebixcash website and go to profile and complete Video KYC
Wait few days to your Video kyc approved.
Now download Ebixcash Wallet UPI app (Android only) and use.
Note: Add money through website only and spend money or pay anywhere via Wallet UPI through app only.
All other details, i have a separate post, read here -
So instead of phone pe we need to use zavo?
BhaiyaJi
TF Legend
2 June afair, got refund in 3 working days
Nice to see branch are fighting to retain their valuable customers. Ask ur home bm to shift to private next month if u need that. Else after looking at your reward points credit for doing cc bill payment they might change their mind.
Take it before they change their mind. Offcourse if u need it.
amazon_fan
TF Select
Oh !!, ok ok sure.
I am not hoping this CC payment to go longer. Finally only SBI VDC will remain as the only option.
Yes I need private because it will provide points better from the start. (till 50k).
Similar threads
