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

[Abhishek012]

My case has been resoved permanently . I got the refund
The whole culprit here is Rupay and not anyone else
Payment got failed on 15th May Afternoon
Goodscore refunded on 15th Night itself . Money not credited
after 15days of continuous callbacks I got the proof of refund frm GoodScore and Rupay is holding the money back with them neither informing Goodscore nor IDFC Once i with all proofs sent mail to IDFC they escalated and got the refund credited in 2days of mail receipt.

This is the only thing which I hate about oline payments. Sometimes the refund takes a lot of time and customer has to take the follow ups with multuple parties. Apart from this everything is excellent.

@Abhishek012 ? ?

What does RuPay have to do with it? Even people using Visa cards are getting refunds late from Goodscore.

The reason is simple – the merchant may have processed the refund but due to the large amount involved, the payment might have already been settled with the payment gateway, which is why the refund can't be processed immediately by payment gateway.

Some people file chargebacks. In such cases, both the bank and the card network put the transaction on hold until the investigation is complete.

A few months ago, when people were getting rewards for paying credit card bills directly through the PhonePe app, some users Firstap RuPay debit cards were repeatedly getting blocked and IDFC was calling to ask where the transactions were happening, etc.

Someone asked over a call why the card was being blocked repeatedly and the IDFC Bank representative said that multiple customers were filing chargebacks against that PhonePe merchant.

 

[rakeshsajjan45]

@Abhishek012 any solution to this problem....

 

[Pragnesh_]

Anyone facing problem with Zavo app? I paid for CC via upi, payment for deduced but not credited to card. Now Zavo app is acting up giving 500 error. It kicked me out and now not logging in as well.

 

[sasha]

Anyone facing problem with Zavo app? I paid for CC via upi, payment for deduced but not credited to card. Now Zavo app is acting up giving 500 error. It kicked me out and now not logging in as well.

Not able to use from last half hour. I am stuck on Login Page.

 

[Akshith]

Goodscore not working anymore?

 

[VISION]

Goodscore not working anymore?

dc option only for 2L above bills only

 

[VISION]

@Abhishek012 is freecharge-axis cc bill payment still working for rbl spdc?

 

[sarcasm99]

@Abhishek012 is freecharge-axis cc bill payment still working for rbl spdc?

For the transaction I did on 1 june on axis app it was working... Mcc 6300

 

[Abhishek012]

@Abhishek012 any solution to this problem....View attachment 99294

UPI reset kiya hoga tumne, mobile change kiya hoga ya sim card slot change kiya hoga isiliye yeh t&c lag gaya.

24hrs baad try karna, tab bhi fix na hua toh next 7 days baad ho jayega fix.

 

[Pragnesh_]

Not able to use from last half hour. I am stuck on Login Page.

Able to login now but earlier payment shows waiting for confirmation from XXX Bank.

 

[harshraj013]

Able to login now but earlier payment shows waiting for confirmation from XXX Bank.

"XXX" bank bhi hai ?

 

[Credit_Cards]

SBI VDC not issuing rewards anymore? yet to receive rewards for transaction done on 24th May

 

[Pragnesh_]

"XXX" bank bhi hai ?

Yes !!! YYY and ZZZ as well.

 

[Pragnesh_]

SBI VDC not issuing rewards anymore? yet to receive rewards for transaction done on 24th May

Not received bonus rewards even after spending more than 1 L.

 

[Credit_Cards]

Not received bonus rewards even after spending more than 1 L.

i have not received basis points bonus is far away thing

 

[Amit_1]

@Abhishek012 which dc, cc, internet banking can provide the MCC on txn fastest?

 

[Centurion_wala]

SBI VDC not issuing rewards anymore? yet to receive rewards for transaction done on 24th May

Not received bonus rewards even after spending more than 1 L.

 

[amazon_fan]

SBI VDC not issuing rewards anymore? yet to receive rewards for transaction done on 24th May

No it is crediting promptly. last credit date for me is yesterday, for the Saturday's transaction.

As of know, SBI VDC is reliable for long term, even though value is lower than IDFC.
IDFC worked with phopepe gone, freecharge gone, now Zavo is working fine, dont know when the party gets over 🙂, but points are good.
In the beginning of the month pay more than 50k CC bill, and use this card everywere 1.66%

 

[amazon_fan]

Not received bonus rewards even after spending more than 1 L.

Yes, bonus is not credited. Spent around 3L, but only once bonus credited.

But for other points, there is a scrolling message at the top
"Sincerely regret the delay in Point posting for Tap & Pay Campaign, Bachat Boss days campaign, Travel with SBI Rewardz, SBI Rewardz Holi ke Rang 2.0, SBI End of Year Rewards. Please be rest assured that we are trying our best to post the points as soon as possible and sincerely regret the inconvenience caused."

 

[iamgroot]

New loot -

Load money on Amazon full kyc Wallet UPI via Zomato.
Open Zomato app >> go to account/profile >> payment settings >> link Amazon wallet and add via credit/debit card.

check merchant name in my image i shared

IDFC visa/mastercard dc ✔️
Indusind/Indie dc ✔️
RBL Signature+ DC ✔️
RBL Enterprise DC - 5% upto 500 cb on flight category + milestone benefit. ✔️
Kotak 811 Super DC ✔️
Jupiter DC ✔️
Axis Burgundy DC ✔️
HDFC millennia DC - 2.5% upto 400 cb ✔️
HSBC Salary DC ✔️
FI DC - also 5% upto 250 extra cb trick again working this time for selected users (multiple times), add 5k to get 250 extra cb unlimited times ✔️

CC load - 4k (limit reset every 30 days from last transaction).
DC load 1 lakh per day or at a time and max 5-6 lakhs monthly.

Source: Arindam but ekbar khud bhi MCC Code verify kar lena.

View attachment 99179

You are paying merchant Amazon Debit Card Walle the amount of ₹100.00 on Tue Jun 03 13:55:29 IST 2025.


ye kaisa merchant name he