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

[sky_walker_rules]

Let me try. Will it earn rewards on SBI VDC.

as per home page ,yes

 

[honey_jpr]

Let me try. Will it earn rewards on SBI VDC.

You can use sbi unipay also

 

[pankajshah]

You can use sbi unipay also

Tried 3 times, all transactions failed today. Will try after some time.

 

[VSC]

Has anyone received complete birthday rewards with sbi vdc for March month? I have received only till 28th March but not for the remaining 3 days transactions.

 

[Akshith]

Try this page after login into freecharge web:

Online Recharge, Bill Payments, UPI, Gold Loan- Freecharge

Do Online Recharge, utility bill payments, dth & fastag recharge with Freecharge pay later option. Download Freecharge app for UPI payments & financial services.

www.freecharge.in

I tried this still not working

 

[Akshith]

unable to save card in freecharge

 

[nh124001]

unable to save card in freecharge

inke server beth gaye hai kyaa.. mera bhi pending hai abhi

 

[cardenthu09]

Has anyone received complete birthday rewards with sbi vdc for March month? I have received only till 28th March but not for the remaining 3 days transactions.

When does bonus point arrive? I am bit confused on the points system. Essentially we get 1% for min 50k spends right? or is it 1% of 1 lakh minimum? In brithday month does it increase to 1.5% or 2%.
Can you please help

 

[AkitA]

@Abhishek012

Is below consolidated view of SBI VDC true?

1. SBI Virtual RuPay DC - Reward value 0.50%
2. Every 50k spend - 1000(base+bonus)
3. 1 Lakh Milestone - 1000
4. Monthly Cap - 10K
5. Milestone has no capping.

If you can confirm for each AND add for changes?

 

[cardenthu09]

No, physical debit card every 1 lakh spend, milestone reward rate 0.25% only for physical card.

SBI Virtual RuPay Debit Card is lifetime free (total 1% rewards on every 50k spent) and co-exist with your physical debit card too.

Hey, Can you please let me know if this is correct understanding on sbi vdc:
1. 0.5% for txns for less than 1 lakh per month (need to do max 50k per day)
2. 1% if txn is more than 1 lakh per month
3. 1.5% for birthday month for more than 1 lakh

Max you can do is 5 lakh per month.
Is there some other caps?

 

[amazon_fan]

I think you need to wait 24-48hrs for freecharge colling period.

other option -

Login any other freecharge account, login on freecharge web >> your profile menu >> my account >> saved card >> add new card, or direct login and go to this link here (Pay Rs1 to save your card) - https://www.freecharge.in/accountSettings?useCase=savedCards

Now pay through new freecharge account and save card you will get merchant name Freechutil

@Abhishek012
Thank you. just now I tried (after 36 hours) I allowed and got Freechutil and points credited instant.

 

[Lalsingh22]

When does bonus point arrive? I am bit confused on the points system. Essentially we get 1% for min 50k spends right? or is it 1% of 1 lakh minimum? In brithday month does it increase to 1.5% or 2%.
Can you please help

Most of time bonus points are credited within 2-3 days after regular points are credited.
Sometimes bonus points & regular points both get credited at same time.
Sometimes it takes 7days or 2weeks or more time for bonus points to credited after regular points are credited.
But the bonus points will be credited.
So just wait.

 

[Lalsingh22]

When does bonus point arrive? I am bit confused on the points system. Essentially we get 1% for min 50k spends right? or is it 1% of 1 lakh minimum? In brithday month does it increase to 1.5% or 2%.
Can you please help

For SBI VDC,
Suppose, You have done a transaction of ₹ 50k, you will get
Regular Points - 500
Bonus Points - 500
Milestones Points - 1000
So total points - 2000

1RP = ₹ 0.25/25 paisa
i.e., 2000×0.25 = ₹500, it means 1%

For Birthday Month you get 2X points extra.

 

[honey_jpr]

unable to save card in freecharge

After 2-3 failed transactions, wait for some time atleast 24hours

 

[pankajshah]

In Freecharge - Facing this issue. "Cant proceed with the transaction. Detected suspicious activity on user device". Tried everything, reached out to customer care, updated KYC, re-installed the app. Nothing is working out.

 

[Vineet_]

Sbi unipay unable to use after quick pay option removal now it asking every time login page is getting stuck every time not moving forward even unable to click if any how loaded page till cc bill payments section tried 3 different pc & browser no luck

kindly guide @Abhishek012 sbi vdc will work with Canara Setu, here noticed phonepe transaction getting suspicious by sbi a/c transaction monitoring team, even some other users reported as well.

What are options left to pay my sbi & others cc bill, please confirm we can pay directly via dc with sbi card bill desk website directly or separate bill desk website required to use.

 

[iamgroot]

Sbi unipay unable to use after quick pay option removal now it asking every time login page is getting stuck every time not moving forward even unable to click if any how loaded page till cc bill payments section tried 3 different pc & browser no luck

kindly guide @Abhishek012 sbi vdc will work with Canara Setu, here noticed phonepe transaction getting suspicious by sbi a/c transaction monitoring team, even some other users reported as well.

What are options left to pay my sbi & others cc bill, please confirm we can pay directly via dc with sbi card bill desk website directly or separate bill desk website required to use.

unipay gone best to worst shit..very slow loading..no quickpay😄

 

[Abhishek012]

Sbi unipay unable to use after quick pay option removal now it asking every time login page is getting stuck every time not moving forward even unable to click if any how loaded page till cc bill payments section tried 3 different pc & browser no luck

kindly guide @Abhishek012 sbi vdc will work with Canara Setu, here noticed phonepe transaction getting suspicious by sbi a/c transaction monitoring team, even some other users reported as well.

What are options left to pay my sbi & others cc bill, please confirm we can pay directly via dc with sbi card bill desk website directly or separate bill desk website required to use.

SBI virtual RuPay debit card - Use paytm, freecharge, sbi unipay, billdesk website, canara setu etc and no extra charges.

you will get rewards everywhere. amex and SCB cc bill also supported via billdesk website.

 

[Abhishek012]

In Freecharge - Facing this issue. "Cant proceed with the transaction. Detected suspicious activity on user device". Tried everything, reached out to customer care, updated KYC, re-installed the app. Nothing is working out.

KYC is not required, use any other freecharge account and pay.

your freecharge account is blocked because you misused freecharge coupon codes few years ago.

 

[VSC]

When does bonus point arrive? I am bit confused on the points system. Essentially we get 1% for min 50k spends right? or is it 1% of 1 lakh minimum? In brithday month does it increase to 1.5% or 2%.
Can you please help

It is 1% for 50k using vdc including the milestone bonus we get. Apart from this we get extra during birthday month. But I got birthday bonus till 28th March and not after that. So I think with birthday bonus it goes to 2% but I'm not 100% sure of this.