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

[Madhur Batra]

Does IDFC RuPay has any limit per day?

Yes max 1 lakh per day for online transactions, which can be set via the IDFC app

 

[shashankverma]

IDFC only allows 5 transactions in a day, after that it’s failing.
Reset happens midnight or after 24 hours?

 

[roshan mothukuri]

Just paid on Zavo for hdfc card with idfc first tap. Received instant confirmation from hdfc and points on idfc.

which pg name u got in sms and in idfc statement?

 

[blaze]

Axis app >> cc bill payment via RBL Signature+ debit card and get 2% cashback. Still working, Bhai?
Will this work since I am receiving "FreechargePaymentTechno" as the merchant name in OTP instead of FREECHARGEPAYMENTTECHNO?

6300 mcc code till last month

 

[Abhishek012]

Zavo is asking for Pan Card number. Can't share Pan card details with Paan shopwale.

Freecharge saved card trick seems to be dead. Saved card showing for all txn except CC payment!

PAN card required to check your cibil score, same like cheq app, nothing else.

 

[Abhishek012]

Does IDFC RuPay has any limit per day?

Daily 1 lakh ecom limit. Pay 1 lakh every day.

Looks like Zavo has limit on number of transaction, I was able to do 8 txns successfully afterwards 2 failed

Daily you can do max 8 to 9 transactions within 24 hrs.

Sometimes 5 times within 24hrs, if you frequently transaction on same merchant.

@shashankverma

 

[Abhishek012]

which pg name u got in sms and in idfc statement?

all merchant name is eligible on Zavo app just go ahead.

 

[ak_1978]

Just do Rs10 mobile recharge and save your card. Just now one person told working through mobile recharge.

earlier he also tried cc bill pay Rs10 but not working on cc bill pay for saved card.

web user try this link - https://www.freecharge.in/services

This is just not working for me.

Added the Rupay Virtual Debit card by paying Re.1. Then also paid Rs.10 mobile recharge for good measure.

But when I try to pay the credit card bill, it always shows the option of add new card & doesn't pick up the debit card in save card list. If I enter the crad details manually, then the Merchant name appears as FreeChargePaymentTech

Is this because the phone number for debit card & the associated credit card are different? @Abhishek012 will appreciate any advice. Don't want to go to Zavos just yet

 

[rakeshsajjan45]

This is just not working for me.

Added the Rupay Virtual Debit card by paying Re.1. Then also paid Rs.10 mobile recharge for good measure.

But when I try to pay the credit card bill, it always shows the option of add new card & doesn't pick up the debit card in save card list. If I enter the crad details manually, then the Merchant name appears as FreeChargePaymentTech

Is this because the phone number for debit card & the associated credit card are different? @Abhishek012 will appreciate any advice. Don't want to go to Zavos just yet

Freecharge is dead

 

[kalyan324]

This is just not working for me.

Added the Rupay Virtual Debit card by paying Re.1. Then also paid Rs.10 mobile recharge for good measure.

But when I try to pay the credit card bill, it always shows the option of add new card & doesn't pick up the debit card in save card list. If I enter the crad details manually, then the Merchant name appears as FreeChargePaymentTech

Is this because the phone number for debit card & the associated credit card are different? @Abhishek012 will appreciate any advice. Don't want to go to Zavos just yet

The option u tried is over now.
Only option as of now to use idfc rupay dc is ZAVO.

 

[niranjan0]

Thanks @Abhishek012 bhaii for the IDFC RuPay information!

Instantly got 8K reward points on IDFC FirstTap!

 

[Sureya]

Thanks @Abhishek012 bhaii for the IDFC RuPay information!

Instantly got 8K reward points on IDFC FirstTap!

Did not get the 8k reward points, made first transaction 3 weeks back, should i make a complaint to them?

 

[ak_1978]

Given that FreeCharge is not working for IDFC Firstap and I am yet to get comfortable with Zavo, I will pay the CC bill using SBI Rupay VDC. Which app to use for payment? Will appreciate some advice. @Abhishek012 your thoughts?

 

[kalyan324]

Given that FreeCharge is not working for IDFC Firstap and I am yet to get comfortable with Zavo, I will pay the CC bill using SBI Rupay VDC. Which app to use for payment? Will appreciate some advice. @Abhishek012 your thoughts?

Use paytm or phonepe both are getting reward points tested yesterday points credited today including Virtual bonus points

 

[honey_jpr]

Given that FreeCharge is not working for IDFC Firstap and I am yet to get comfortable with Zavo, I will pay the CC bill using SBI Rupay VDC. Which app to use for payment? Will appreciate some advice. @Abhishek012 your thoughts?

Isn’t SBI Unipay portal working anymore!

 

[ak_1978]

Isn’t SBI Unipay portal working anymore!

Need to check. Haven't checked SBI unipay

 

[Rithin]

Isn’t SBI Unipay portal working anymore!

looks like it isnt

 

[nikhilesh71]

6300 mcc code till month

This is changed to 6540 from 30th april night

 

[Abhishek012]

This is just not working for me.

Added the Rupay Virtual Debit card by paying Re.1. Then also paid Rs.10 mobile recharge for good measure.

But when I try to pay the credit card bill, it always shows the option of add new card & doesn't pick up the debit card in save card list. If I enter the crad details manually, then the Merchant name appears as FreeChargePaymentTech

Is this because the phone number for debit card & the associated credit card are different? @Abhishek012 will appreciate any advice. Don't want to go to Zavos just yet

Now use only Zavo app

 

[Abhishek012]

Given that FreeCharge is not working for IDFC Firstap and I am yet to get comfortable with Zavo, I will pay the CC bill using SBI Rupay VDC. Which app to use for payment? Will appreciate some advice. @Abhishek012 your thoughts?

Isn’t SBI Unipay portal working anymore!

Apply SBI Virtual RuPay debit card and pay cc bill via phonepe app, paytm app, freecharge app, sbi unipay, billdesk website without any extra charges on RuPay.

Amex and SCB bank cc bill also supported via billdesk using RuPay variant.

Virtual visa user block card and apply virtual RuPay debit card

Of course you will get reward points too on all these websites/apps.

Amex - https://www.billdesk.com/pgidsk/pgmerc/amexcard/amex_card.jsp

SCB - https://pgi.billdesk.com/pgidsk/pgmerc/standardchartered/scb_card.jsp

Axis (Axis RuPay CC user choose mastercard option and proceed) - https://pgi.billdesk.com/pgidsk/pgmerc/axiscard/axis_card.jsp

SBI Card - https://pgi.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp

SBM bank - https://pay.billdesk.com/cardnet-instapay/sbmcard

yes bank - https://pgi.billdesk.com/pgidsk/pgmerc/ybkcard/YBKCARDDetails.jsp

phonepe app - https://play.google.com/store/apps/details?id=com.phonepe.app&hl=en_IN

freecharge app - https://play.google.com/store/apps/details?id=com.freecharge.android&hl=en_IN

paytm app - https://play.google.com/store/apps/details?id=net.one97.paytm&hl=en_IN