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

[desiviru]

Recently got SBI virtual DC,

Have few Question.

1. which is the best platform or app to pay cc bill of any bank
2. will i get 1% value if bill amount is less than 50k
3 will i get 1% value if bill amount is more than 50k (will i get 1k cashback for 1Lakh payment)
4. Milestone will activate after 50K only.

1. You can use it on any platform. Same reward rate.

2. The actual reward rate is 0.5% not 1%. The extra 0.5% is only when your total spends using it crosses 50K no matter whether in one bill or any other txns in coming months. It is cumulative 50K. So ek saal mein bhi 50K pura bharoge toh bhi it will come.

3. If bill is more than 50K you can pay in parts because VDC per day limit is max. 50K. Over this txn declines. So pay 50K one day and rest next day.

4. Milestone triggers at every 50K once you cross it.

Currently we don't know whether milestone will come at 50K or not but at 1 Lakh it will come.

So SBI DC reward rate is actually 0.25%-1% with conditions apply.