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

[ritziveer]

Need help - for HDFC CC, I need to spend more than the limit available, can anyone suggest if the outstanding amount can be paid before credit card statement generation using IDFC DCs (Visa/RuPay) which could fetch RPs on CC bill payment? Please suggest platform for CC bill payment. TIA.

I don't think there is any other way. Bill desk payment by SBI DC is the only option

 

[ritziveer]

Happened to me. But next day I got the transaction ID. They said they will refund. Mail support and they will reply for sure. Since I got white screen and nothing during the transaction I raised a dispute with IDFC. that's a bummer for me now.

The refund has come @Salman925492

 

[ritziveer]

U can try making double payments for ur bill, no option for outstanding before billing for ID-FC rps

HDFC Bill usually settles instantly so its not easy to over pay.

 

[amazon_fan]

ZAVO shown it's real face, deducted all cashback

OMG what do they mean by unfair usage ?
So far i am not able use any coins or cashback.

 

[ritziveer]

This what I received reply from zavo,for failed Trasaction

Wait for 5-7working days

 

[ritziveer]

For paying CC bill (>2 lacs) though Goodscore using IDFC DC, got -"our transaction with PHONEPE PV for INR using IDFC FIRST Bank debit card ending" sms. Is this MCC eligible for fetching RPs?

Yes good score is as of now eligible for RPs

 

[ritziveer]

SBI VDC ki daily limit 50000 hi hai kya isse increase kaise kar sakte hain

N O O

 

[ritziveer]

yes, i agree, same happened to me with zavo, today i got the refund.

Ya I also got the refund today

 

[Anindya98]

Bro,
My account got migrated to WEALTH and after first 1k transactions, i received 8k points as well.
Also started receiving 10x points for regular purchase in a local restaurant as well.

You will receive the 10x points after crossing the 50K mark every month.

However, today the local IDFC branch manager is keep calling and asking to open NEW account for me, which would be WEALTH in the beginning, and she will move all money from other branch to here and make this as PRIVATE, also provide me FREE locker immediately, later she would close the existing account.

There are two scenarios to consider here:

1️⃣ First Scenario:
If your Customer ID is already part of the Wealth program, then opening a new account at any branch — including hers — will automatically be a Wealth account. It doesn’t matter where you open it. So, if she's asking you to open it specifically at her branch, it’s likely just a way for her to earn a commission. She's not doing you a special favor — locker access, for example, comes free with Wealth by default.

2️⃣ Second Scenario:
There should be at least a 6-month gap between Wealth program upgrades. If you rely on her promise now, she might not hold the same position or honor it after the required time has passed. A smarter approach would be to proceed with the upgrade around the 5th month, open a new account while keeping the old one, and then link both under Family Banking. That way, you’ll get leverage from both ends — and one account will qualify for 0 MAB.

Is there is any negative, in doing so.

Never close your old account.

Does it appear good opening new and closing in a short time ?

Nothing wrong, the problem is that after closing the account, it will be difficult to open a new account via the tab. They will have to process offline

@2025

 

[ritziveer]

Bro,
My account got migrated to WEALTH and after first 1k transactions, i received 8k points as well.
Also started receiving 10x points for regular purchase in a local restaurant as well.

However, today the local IDFC branch manager is keep calling and asking to open NEW account for me, which would be WEALTH in the beginning, and she will move all money from other branch to here and make this as PRIVATE, also provide me FREE locker immediately, later she would close the existing account.

Is there is any negative, in doing so. Does it appear good opening new and closing in a short time ?

I don't think its a good idea. But we don't know your balances. proceed with caution

 

[hackymanoj]

I have uninstalled gpay, phonepe and Paytm and now it's asking to install a UPI app to make payment.

 

[quino]

There should be at least a 6-month gap between Wealth program upgrades

select to wealth can happen in less than that time.

 

[ritziveer]

ZAVO shown it's real face, deducted all cashback

Its the only platform now allowing IDFC. Why do you want to Jinx it.

 

[Anindya98]

select to wealth can happen in less than that time.

Official Rule is 6 months, in the Banking industry, nothing is fixed. It depends on the customer profile and reach.

 

[FINOKAKA]

Anyone whose HDFC EasyShop Platinum card expired and is being renewed, what renewal card did you receive? The same old Platinum or a new Platinum series? Anyone here?

 

[desiviru]

Bro,
My account got migrated to WEALTH and after first 1k transactions, i received 8k points as well.
Also started receiving 10x points for regular purchase in a local restaurant as well.

However, today the local IDFC branch manager is keep calling and asking to open NEW account for me, which would be WEALTH in the beginning, and she will move all money from other branch to here and make this as PRIVATE, also provide me FREE locker immediately, later she would close the existing account.

Is there is any negative, in doing so. Does it appear good opening new and closing in a short time ?

Please don't do that. Never give anyone power to move your money. If she insists try this route.

Open a new account with them. Issue the cheque to your new account and tape the amount and signature on cheque so that they can't modify anything. These days female employees are involved in bigger scams than one can think. So avoid giving power to them.

Enjoy welath account if you have spends according to it. For 2 pts extra don't take risk. Later they will bring it to normal account if criteria not met. These RMs have target and they do it just for fulfillment and their own perks. Later they don't care what happens to your account.

Till today no one in bank is able to convince me for a product that I don't need. People whenever they open mouth for your benefit is actually for their own benefit.

 

[Anindya98]

Anyone whose HDFC EasyShop Platinum card expired and is being renewed, what renewal card did you receive? The same old Platinum or a new Platinum series? Anyone here?

New Platinum card will be issued at renewal

 

[Rakshitk99]

ZAVO shown it's real face, deducted all cashback

Yes same my 470 deducted unfairly.

 

[FINOKAKA]

New Platinum card will be issued at renewal

Anindya vai tomar ki renew hyeche na karo tomar friend circle karo hyeche ami genuine information chaichi ...

 

[Rakshitk99]

I have uninstalled gpay, phonepe and Paytm and now it's asking to install a UPI app to make payment.

This has closed wayback. It won't give you dc option untill 2 lacs.