PhonePe removed debit card option for paying credit card bills

[zoro]

Since the beginning of 2025, I was using my SBI debit card and phonePe to pay all my credit card bills, I am a medium spender and this was a perfect setup, track spends on cred and pay via phonePe for spends less than 50k and use cred for bills more than 50k.

Few months back they started adding charger for Visa variants and I was somehow managing with the virtual rupay till now, but now even that is gone.

I was checking in Jupiter app, even there the option for debit card is gone, anyone has any idea where i can use rupay/visa debit card to pay credit card bills without any extra charges??

 

[bossdk]

Since the beginning of 2025, I was using my SBI debit card and phonePe to pay all my credit card bills, I am a medium spender and this was a perfect setup, track spends on cred and pay via phonePe for spends less than 50k and use cred for bills more than 50k.

Few months back they started adding charger for Visa variants and I was somehow managing with the virtual rupay till now, but now even that is gone.

I was checking in Jupiter app, even there the option for debit card is gone, anyone has any idea where i can use rupay/visa debit card to pay credit card bills without any extra charges??

You can use Paytm I also use it for my payment with debit card

 

[lelouch]

So sad to read this post.
I was also using same setup as you.
Cred to track bills.
Phonepe & SBI DC to pay.
It was working till last month. Now its gone🙁

 

[zoro]

So sad to read this post.
I was also using same setup as you.
Cred to track bills.
Phonepe & SBI DC to pay.
It was working till last month. Now its gone🙁

I was able to pay last week as well, but since yesterday it is gone.

 

[nh124001]

mitro.. netbanking and upi ka use kare.. life will be peaceful

 

[rajcasio]

Paytm & Payzapp works fine with DC. I never used other apps to pay CC bills

 

[dexter_greycells]

mitro.. netbanking and upi ka use kare.. life will be peaceful

SBI DC ka 0.25% "malaai" ka jo chaska laga hai uska kya kare?
(What to do about the 0.25% cream from SBI DC that one has got addicted to?)

 

[nh124001]

SBI DC ka 0.25% "malaai" ka jo chaska laga hai uska kya kare?
(What to do about the 0.25% cream from SBI DC that one has got addicted to?)

logg 5% cashback ki briyani khaa rahe hai.. tum 0.25% ki malayi ke piche pade hoo.. a part these are endless chase .... agar extra time hai toh.. tension loo..varna 0.25% ke liye headche lena banta nahi hai..acc to me..

 

[zoro]

Paytm & Payzapp works fine with DC. I never used other apps to pay CC bills

Payzapp does not allow non HDFC debit card.

 

[zoro]

Yes, after going through every single payment app on my phone, finally found my last hope -> paytm 😆😂

 

[GTSaketh]

if MCC doesn't matter. Then you can use Mobikwik

 

[pikashinchu]

Even I was sad when this option gone from phonepe.

Weird why did they do this :/

 

[dexter_greycells]

Even I was sad when this option gone from phonepe.

Weird why did they do this :/

Debit cards too have an overhead, typically 0.5% for the merchant. You pay ₹1L from your account and the merchant (e.g. PayTM) pays some or a part of that ₹500 from its own pockets. Visa / Mastercard / Rupay pocket most of the ₹500.

There is a reason why GoI bought UPI and Rupay. Visa / Mastercard are like the modern and moderate versions of the East India Company charging us for using our own money!

 

[zoro]

Debit cards too have an overhead, typically 0.5% for the merchant. You pay ₹1L from your account and the merchant (e.g. PayTM) pays some or a part of that ₹500 from its own pockets. Visa / Mastercard / Rupay pocket most of the ₹500.

There is a reason why GoI bought UPI and Rupay. Visa / Mastercard are like the modern and moderate versions of the East India Company charging us for using our own money!

True, but now that we are used to the benefit of rewards, it's difficult to let it go.

 

[cardio_guycardio_guy is verified member.]

Since the beginning of 2025, I was using my SBI debit card and phonePe to pay all my credit card bills, I am a medium spender and this was a perfect setup, track spends on cred and pay via phonePe for spends less than 50k and use cred for bills more than 50k.

Few months back they started adding charger for Visa variants and I was somehow managing with the virtual rupay till now, but now even that is gone.

I was checking in Jupiter app, even there the option for debit card is gone, anyone has any idea where i can use rupay/visa debit card to pay credit card bills without any extra charges??

I moved to MobiKwik, it's as good as PhonePe (even better). I am liking it even more than PhonePe.

I have paid all bills through it last week, using SBI Rupay VDC.

It's very nice. + we get some additional cashbacks into their pocket UPI, which we can use for UPI QR scan payment at shops.

Only drawback: it doesn't recognize SBI Pragati Rupay (JCB variant I guess, starting with 3538) debit card, so I had to create a virtual rupay debit card to make payments.

Note: I haven't tried with visa/master debit cards of other banks.

 

[Odyssey]

So sad to read this post.
I was also using same setup as you.
Cred to track bills.
Phonepe & SBI DC to pay.
It was working till last month. Now its gone🙁

Same here. I don't trust paytm much due to multiple failed trxn and money debited in past. Very risky for paying in last few days.....

 

[zoro]

Same here. I don't trust paytm much due to multiple failed trxn and money debited in past. Very risky for paying in last few days.....

I felt like that for MobiKwik 😂😂, but haven't used in long time.

 

[tachniki]

Same here. I don't trust paytm much due to multiple failed trxn and money debited in past. Very risky for paying in last few days.....

Failed for me today for big txn. 😞

 

[nh124001]

mitroooo... use netbanking and upi.. and live a peaceful life

 

[dexter_greycells]

logg 5% cashback ki briyani khaa rahe hai.. tum 0.25% ki malayi ke piche pade hoo.. a part these are endless chase .... agar extra time hai toh.. tension loo..varna 0.25% ke liye headche lena banta nahi hai..acc to me..

Your comment cracked me up. That HDFC Rewards DC trick will soon go the way of the dodo and no more biryani 🤣
The fact that we are on TF means we have "extra time" but your point about "headache" is 100% true. I keep advising people not to have more than 3 CCs (like wives in Islam) or at worse 5 CCs (fingers on a hand). Yet TF members are flexing fingers on both their hands and even more 😛