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

[VSC]

I paid bill through Freecharge - bill was paid successfully. Didn't see instant rewards in SBI account - waiting for them to credit. Thank you!

It takes 2-3 days

 

[VIP]

Apply SBI Virtual RuPay debit card and pay cc bill via phonepe app, paytm app, freecharge app, 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

I have IDFC MINOR ACCOUNT DC WITH PER DAY 10K MAX SPEND Limit where to use this card for earn rewards bu cc bill pay and due to minor account login not allowed to generate first tap. TIA any trick please share

 

[Abhishek012]

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.

 

[Harsha896]

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 card image

IDFC visa/mastercard dc ✔️
Indusind/Indie dc ✔️
RBL Signature+ DC ✔️
RBL Enterprise DC - 5% upto 500 cb on flight category + milestone benefit. ✔️
Kotak 811 DC ✔️
Jupiter DC ✔️
Axis Burgundy DC ✔️
HDFC millennia DC - 2.5% upto 400 cb ✔️
HSBC Salary DC ✔️
FI DC ✔️

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

Its working verified by indie DC

 

[Animal]

Tried with Indus Exclusive VISA. Got this name. 👍

 

[Krishna Kumar]

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 card image

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

20K limit per transaction. Tried with Wealth DC.

 

[Amit_1]

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 card image

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

Its working perfectly, tried with Sel-ect DC, Wea-lth DC, S-BI Cas-hback CC

 

[rakeshsajjan45]

Only visa are working rupay are not ...or atleast idfc rupay is not working it is saying "card has been added but u cannot use it" but the visa are working perfectly....

1 slight issue I have faced is... I have 25k account idfc normal account

For this I should have got 8k points for 1.6 lakh spend

But I received only 7335 points

But I have spent more than 1.71 lakhs

Did anyone suffer this....?

 

[Sachin2008]

Is there any method to transfer money from amazon Wallet to bank account ?

 

[Abhishek012]

Is there any method to transfer money from amazon Wallet to bank account ?

Amazon full kyc Wallet UPI, you can free transfers to bank. Max 5-6 lakhs within a month.

or pay cc bill via Amazon wallet UPI on any 3rd party apps. Max 5-6 lakhs within a month.

 

[Amit_1]

Is there any method to transfer money from amazon Wallet to bank account ?

Yes you can bank transfer or make UPI transactions limit of daily transactions is I guess 40k

 

[rakeshsajjan45]

Amazon full kyc Wallet UPI, you can free transfers to bank. Max 5-6 lakhs within a month.

or pay cc bill via Amazon wallet UPI on any 3rd party apps. Max 5-6 lakhs within a month.

Is this information correct... because I searched online Amazon pay wallet upi is only with 1 lakh limit and also per month...

So in a month you can transfer one lakh

Same like other wallets also

Yes you can bank transfer or make UPI transactions limit of daily transactions is I guess 40k

In the first 24 hours of making the first transaction it will be locked at 5000 after that it is 100000 rupees per month and in a day 1 lakh maximum amount

 

[Amit_1]

In the first 24 hours of making the first transaction it will be locked at 5000 after that it is 100000 rupees per month and in a day 1 lakh maximum amount

I’ve added 80k but can transfer only 40k from mg wallet to bank or upi per day, used total 1L to transfer to bank, let’s see on 3rd how it performs

 

[Abhishek012]

Is this information correct... because I searched online Amazon pay wallet upi is only with 1 lakh limit and also per month...

So in a month you can transfer one lakh

Same like other wallets also


In the first 24 hours of making the first transaction it will be locked at 5000 after that it is 100000 rupees per month and in a day 1 lakh maximum amount

Earlier, we already transferred 5 lakhs within a month.

Also some users pay more than 1 lakhs on merchant UPI/CC bill pay via Amazon wallet UPI on 3rd party apps. However, bank transfer limit is 1 lakh per day.

 

[signior-x]

I have SBI Virtual Rupay Debit card. I was using SBI Unipay to pay the CC bills. Will try paying via PhonePe or Freecharge. Thank you.

SBI unipay has just one problem card save nhi hota

 

[dilbersha]

For SBI VDC - PhonePe, PayZapp, Navi, Paytm, MobiKwik, Freecharge, BillDesk, etc all of these are applicable for Rewards Points.

Also, all transactions on these platforms through SBI VDC use RUPAY Variant. Processing Fee are being charged on Visa & MasterCard variant by some Platforms.

Can we switch vdc network?
Via customer care or something?

 

[nikhilv0303]

Earlier, we already transferred 5 lakhs within a month.

Also some users pay more than 1 lakhs on merchant UPI/CC bill pay via Amazon wallet UPI on 3rd party apps. However, bank transfer limit is 1 lakh per day.

So max 5 lakhs can be loaded and transferred to bank over 5 days (1 lakh per day)?

 

[Random123]

Amazon full kyc Wallet UPI, you can free transfers to bank. Max 5-6 lakhs within a month.

or pay cc bill via Amazon wallet UPI on any 3rd party apps. Max 5-6 lakhs within a month.

Which UPI apps support using Amazon wallet UPI for cc bills ?

 

[cleverpappu]

So max 5 lakhs can be loaded and transferred to bank over 5 days (1 lakh per day)?

Yes just added 20000x5 in apay wallet and transferred to bank. Added another 20k but limit exceeded. So you can add another 1L and keep in apay wallet after transaction of 1L to your bank. Send this 1L to bank after 24 hours.

 

[tonald_drump]

Non KYC account has 10k/month limit.