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(Payzapp Wallet to CC bill pay trick added) Which Debit Card to use for Credit Card Bill Payment in (December 2025)

Why?
Gpr 1% is still extended, then why would we loose 5% man
For those who don't already have that card. Here is calculation.

Card annual fees. 2360/-. no voucher for that.

1000 (vouchers) x 12 =12000 (assumption) - 2360 = 9640 max.

Therefore monthly net 9600/12 = 800.
So, 4% upto 800.

If they stop 1% gpr then 800-200 = 600.
So, 3% upto 600.

Also vouchers are not equal to cash. Rewards are optional, subject to t&c, charges are fixed.
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Most importantly if Ebix change MCC then even lower, if 4900 vanishes then not even 0.75%.
 
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For those who don't already have that card. Here is calculation.

Card annual fees. 2360/-. no voucher for that.

1000 x 12 =12000 (assumption) - 2360 = 9640 max.

Therefore monthly net 9600/12 = 800.
So, 4% upto 800.

If they stop 1% gpr then 800-200 = 600.
So, 3% upto 600.

Also vouchers are not equal to cash. Rewards are optional, subject to t&c, charges are fixed.
15 lakhs annual spend pe 9k voucher kon calculate karega ?

Jo goodscore app and Axis app/net banking >> axis cc bill pay se mil jate hai.

RBL Enterprise Debit Card isiliye lete hai taki aur jada cc bills pay kar paye.

Nahi toh RBL Signature+ Debit Card bhi best hai - 2% cashback k liye.

@Ram1
@shaileshk
 
15 lakhs annual spend pe 9k voucher kon calculate karega ?

Jo goodscore app and Axis app/net banking >> axis cc bill pay se mil jate hai.

RBL Enterprise Debit Card isiliye lete hai taki aur jada cc bills pay kar paye.

Nahi toh RBL Signature+ Debit Card bhi best hai - 2% cashback k liye.

@Ram1
@shaileshk
Milestone cashback are always less than 1% to transaction value.

My previous post was about maximum percentage return. If we use them for payment more than 2.4 L then reward rate (in percentage) go down further.

But yes. It's good to get something than nothing.
 
15 lakhs annual spend pe 9k voucher kon calculate karega ?

Jo goodscore app and Axis app/net banking >> axis cc bill pay se mil jate hai.

RBL Enterprise Debit Card isiliye lete hai taki aur jada cc bills pay kar paye.

Nahi toh RBL Signature+ Debit Card bhi best hai - 2% cashback k liye.

@Ram1
@shaileshk
Same my thought too.
I meant 5% monthly
If we keep caring annual fee, we wont be happy at all
 
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