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Which Debit Card to use for Credit Card Bill Payment in June 2025
- Thread starter Abhishek012
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- Replies 5K
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- credit card debit card hdfc kotak rbl rupay sbi upi visa wallet
gaya kya a?
it's over . .
BhaiyaJi
TF Legend
Haan chala gaya
ye to suru hote hi khtam hogya bkl.
mobsol2017
TF Select
For both of you only one thing to say if you have patience then only go for SBi vdc otherwise use idfc or other option available. In sbi things are delayed but you will get what you deserve surely , its user to user different scenario here, many of users here get their points on next day or within 2-3 days but there are also peoples who did't get points for months but surprisingly on one good day they got all points for all their spends at once. Though you may not get points for some of your transactions now but in year end audit in march/april all missing points are settled by sbi rewards team. I have 2 accounts with them in family, one account accrual is instant , one account accrual is delayed but always found out that i got points for all my eligible spends at the end.
PS- pinging cc will not help in this case you can try though if you want, they can't help to speed up the process they will give you irritating replies "we have escalated your issue to concerned team please wait 15 working days" and after 15 working days status remains same.
Patience is a key with SBI😉
Last edited:
Nalin Bansal
TF Buzz
If I want to make payment for CC bills through SBI Virtual Debit Cards, which platforms should I use for making payments to get the rewards?
mobsol2017
TF Select
unipay, phonepe, freecharge, paytm, mobikwik, billdesk etc etc use any
Nalin Bansal
TF Buzz
Also, is there a way to make partial payments through SBI VDC?
Unipay, paytm,billbesk,freechare allow partial payment.
mobsol2017
TF Select
partial means? due is 15k and paying only 10k? or prepayment before bill generation? For prepayment use billdesk and the apps mentioned allow part payments after bill generation. Keep in mind pay in multiple of 200 to fully optimize it for rewards
I thought multiple of 100 , but would be helpful to understand why 200 ?
thank you closed sbi card
because for sbi vdc reward rate is 2 points for every rs.200. so if u pay 100 - no points
mobsol2017
TF Select
read their rewards structure on vdc https://sbi.co.in/web/personal-banking/cards/debit-card/sbi-virtual-debit-card
4 points for every rs.200 on vdc spends & 2 points for every rs.200 on physical dc their base spend criteria is 200.
Phonix_YT
TF Select
If my credit card bill is around 50k -1 Lakh.
Which dc is better??
Sbivdc
Or idfc ? I have 10k MAB accounts but for first 50k i will only get 0.5% and on above 50k i will get extra?
If my cc bill is 70k so
For first 50k i will only receive only .33% -165₹
And above and for 20k i will receive 1.67% - 334₹
Total 499₹
Correct if i am wrong. Little confused with it
Which dc is better??
Sbivdc
Or idfc ? I have 10k MAB accounts but for first 50k i will only get 0.5% and on above 50k i will get extra?
If my cc bill is 70k so
For first 50k i will only receive only .33% -165₹
And above and for 20k i will receive 1.67% - 334₹
Total 499₹
Correct if i am wrong. Little confused with it
nathan_drake
TF Buzz
Guys, we can use any rupay debit card for credit card bill payment via the SBI card app, will it fetch reward points for IDFC first-tap?
prankster
TF Premier
N o p e
rakeshsajjan45
TF Buzz
Their is chart somewhere in previous reply...u can find found out how much u will earn...but u can earn a maximum of 8k RP on spending 1.6 lakh
@Abhishek012 thread title June change karo!
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