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

[BatmanDad]

Which customer care did you talk to ?

To IDFC rewards portal one.

IDFC ? yes eligible. Enjoy.

Yep, IDFC. Well, I've been waiting for almost a week and nothing happened. Hence I contacted customer support. I paid another one today with the same merchant name. Lets see if I get anything for that. Customer support person did mention that it takes 7 - 14 days in case the RP aren't credited instantly, if eligible.

Use RUPAY IDFC only to avoid devaluation

I had exhausted the daily limit for the Rupay card so had to use the visa.

did you get the RP through this when you saw this merchant name as RP is instantaneous after the transaction nowadays

Nope, didn't get any RP. I wonder if I'm doing something wrong. And the same was mentioned by the CC person that the RP is instant.

@Abhishek012 I wonder if I'm doing something wrong. I paid using phone pay app directly using the debit card option, using the IDFC Rupay card. So it should've worked, right?

 

[mobsol2017]

If I open an account today, would I be able to generate Virtual DC online? Or have to wait for few days before I can apply for VDC?

Yes you can generate sbi vdc via yono app or internet banking and start use instantly. But rewards start reflecting after 90 -120 days for new account. If you have patience then go for it.

 

[desiviru]

To IDFC rewards portal one.


Yep, IDFC. Well, I've been waiting for almost a week and nothing happened. Hence I contacted customer support. I paid another one today with the same merchant name. Lets see if I get anything for that. Customer support person did mention that it takes 7 - 14 days in case the RP aren't credited instantly, if eligible.

I had exhausted the daily limit for the Rupay card so had to use the visa.

Nope, didn't get any RP. I wonder if I'm doing something wrong. And the same was mentioned by the CC person that the RP is instant.

@Abhishek012 I wonder if I'm doing something wrong. I paid using phone pay app directly using the debit card option, using the IDFC Rupay card. So it should've worked, right?

Were you even following the topic? Phonepe app + rupay idfc card stopped working many weeks ago. Abhishek shared about it the same day when it stopped. So you wont get anyt points now as MCC changed to 6012 and IDFC provides no benefits for 6012.

I don't use 95% of things discussed here but still read things. Have a habit of reading a book called TechnoFino.

 

[Slayer]

Were you even following the topic? Phonepe app + rupay idfc card stopped working many weeks ago. Abhishek shared about it the same day when it stopped. So you wont get anyt points now as MCC changed to 6012 and IDFC provides no benefits for 6012.

I don't use 95% of things discussed here but still read things. Have a habit of reading a book called TechnoFino.

Isse kehte hai neo/buzz moment

 

[BatmanDad]

Were you even following the topic? Phonepe app + rupay idfc card stopped working many weeks ago. Abhishek shared about it the same day when it stopped. So you wont get anyt points now as MCC changed to 6012 and IDFC provides no benefits for 6012.

I don't use 95% of things discussed here but still read things. Have a habit of reading a book called TechnoFino.

Yea, that's my bad. I generally don't have the time to follow CC stuff. I used have time, but I don't have the time these days. I was active back in the day, but my current aim is to retire in the next year or so. So I'll probably get back into it at some point. But either way, the important task was to pay the bills on time lol.

But continuing on this, if you're aware of any other way (I read about the app on page 158, but since it requires PAN, I wanna stay away from it for now), please do suggest. Thanks.

 

[HOME_CARDER]

1. Any idea what’s the MCC for “PHONEPE PVT LTD 560034” and “PHONEPE PRIVATE LTD MUMBAI”.

2. Got both these merchants on GoodScore, will both be eligible for 1% on RBL Signature+ ?

Thanks In Advance

 

[vaibhav111vaibhav111 is verified member.]

Did you speak to the customer care they were very prompt.

nah, trnx is failed, received refunded back to idfc and paid via cred.

 

[rafzy]

Which usage gives more rewards? Can anyone help. Have around 1 lakh CC bill to pay.

Using IDFC FirstTap (basic 10K savings a/c) via Zavo
OR
Using SBI VDC via paytm or other platforms

 

[desiviru]

Yea, that's my bad. I generally don't have the time to follow CC stuff. I used have time, but I don't have the time these days. I was active back in the day, but my current aim is to retire in the next year or so. So I'll probably get back into it at some point. But either way, the important task was to pay the bills on time lol.

But continuing on this, if you're aware of any other way (I read about the app on page 158, but since it requires PAN, I wanna stay away from it for now), please do suggest. Thanks.

For IDFC cards, nothing there much for direct payments. Options were many but now most dead or MCC changed to 6012.

 

[Abhishek012]

I had exhausted the daily limit for the Rupay card so had to use the visa.

Nope, didn't get any RP. I wonder if I'm doing something wrong. And the same was mentioned by the CC person that the RP is instant.

@Abhishek012 I wonder if I'm doing something wrong. I paid using phone pay app directly using the debit card option, using the IDFC Rupay card. So it should've worked, right?

IDFC Firstap RuPay DC - Daily limit is 1 lakh per day.

Use on Zavo app and Goodscore app only.

 

[nomad47]

Were you even following the topic? Phonepe app + rupay idfc card stopped working many weeks ago. Abhishek shared about it the same day when it stopped. So you wont get anyt points now as MCC changed to 6012 and IDFC provides no benefits for 6012.

I don't use 95% of things discussed here but still read things. Have a habit of reading a book called TechnoFino.

But it still provides for SBI VDC right?

 

[ihmahetar]

@Abhishek012 Credit Card Bill Payment Through GoodScore via hdfc millennia dc eligible for 2.5% cashback it is confirm?

 

[Abhishek012]

@Abhishek012 Credit Card Bill Payment Through GoodScore via hdfc millennia dc eligible for 2.5% cashback it is confirm?

Ya, MCC Codes are eligible for 2.5% upto 400 cashback.

 

[mobsol2017]

But it still provides for SBI VDC right?

yes it does

 

[Kshitizbathwal]

Anyone know where to use Jupiter debit card and earn 150 monthly while paying credit card bill

 

[GURPS]

@Abhishek012 Credit Card Bill Payment Through GoodScore via hdfc millennia dc eligible for 2.5% cashback it is confirm?

Is there any convenience charges?

 

[GURPS]

Anyone know where to use Jupiter debit card and earn 150 monthly while paying credit card bill

You can try SaveSage app

 

[ritziveer]

Did you send your credit card credits and this to the customer care. I don't know who else can help.