Sanyamramshankar@ybl
TF Buzz
I did not get cashback in Kotak super account for the bill payment done using SBI unipay in January did anyone here got their cashback
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Which Debit Card to use for Credit Card Bill Payment in February & March 2025
- Thread starter Abhishek012
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- credit card debit card hdfc kotak rbl rupay sbi upi visa wallet
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Ekavya
TF Ace
I don't think you will get 1 % CB after spending 50k on SBI Rupay Virtual Debit Card.
If you spend 50k + 50k in a two days. Then you will get 1000 as base points 1000 as Bonus points and 1000 as milestone benefits. So your total reward points is 3000. Which is equivalent to 0.75%.
If you spend 50k + 50k in a two days. Then you will get 1000 as base points 1000 as Bonus points and 1000 as milestone benefits. So your total reward points is 3000. Which is equivalent to 0.75%.
Ebx is charging Rs 118 to transfer to bank ac via app!
ankit ojha
TF Premier
Today i did upi transaction using app, it was free
interesting find, use sbi vdc and chill
Abhishek012
TF Pioneer
Abhishek012
TF Pioneer
Kya interesting ? woh direct wallet to bank transfer kar raha tha.
Wallet UPI is FREE.
chem620
TF Buzz
Which Debit card use for Credit Card bill payment in Feb & March 2025:
1) IDFC Debit cards: All IDFC account holder apply 2nd debit card - Add-on IDFC Firstap Sticker RuPay Platinum Debit Card.
You will get same reward points and 10x reward points benefit as per your account variant - Normal/General, Select, Wealth and Private account.
Apply 2nd IDFC Debit card ( primary visa/mastercard card + this add-on RuPay card both will coexist) from IDFC app, under your debit card section.
If you want to understand it better, think of it like this:
- For an IDFC Normal account – It’s an IDFC Classic/Signature Debit Card, but in the RuPay variant.
- For an IDFC Select account – It’s an IDFC Select Debit Card, but in the RuPay variant.
- For an IDFC Wealth account – It’s an IDFC Wealth Debit Card, but in the RuPay variant.
- For an IDFC Private account – It’s an IDFC Private Debit Card, but in the RuPay variant.
View attachment 84806
IDFC Firstap Sticker RuPay Platinum Debit Card, you will again get welcome bonus (remember - your welcome bonus included in your monthly rewards capping)
2000 welcome reward points on IDFC First normal account using IDFC Firstap Sticker RuPay Platinum Debit Card
4000 welcome reward points on IDFC First Select account using IDFC Firstap Sticker RuPay Platinum Debit Card
8000 welcome reward points on IDFC First Wealth account using IDFC Firstap Sticker RuPay Platinum Debit Card
20,000 welcome reward points on IDFC First Private account using IDFC Firstap Sticker RuPay Platinum Debit Card
Reward system for IDFC First Bank normal account using IDFC Firstap Sticker RuPay Platinum Debit Card -
2000 welcome reward points on IDFC First normal account transaction above Rs. 1000
Online transaction- earn 2 reward points for every Rs. 150 spend
Offline transaction- earn 1 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 150) for every Rs. 150 spent via debit card on incremental spends above Rs. 50,000 in a month.
IDFC First Bank Select account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -
4000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 3 reward points for every Rs. 150 spend
Offline transaction- earn 2 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.
IDFC First Bank Wealth account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -
8000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 4 reward points for every Rs. 150 spend
Offline transaction- earn 3 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.
IDFC First Bank Private account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -
20,000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 6 reward points for every Rs. 150 spend
Offline transaction- earn 4 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.
A monthly reward point accrual capping will be applicable based on user’s program membership. (w.e.f. 1st December 2023)
Reward Rate:-
Type of Program Monthly Point Capping General 8,000 Select 30,000 Wealth 50,000 Private 5,00,000
IDFC First Bank Normal Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.33%
Offline- 0.17%
10X category- 1.67%
Incremental spends above Rs. 50,000: Online- 1.67%; Offline- 1.67%
IDFC First Bank Select Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.50%
Offline- 0.33%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%
IDFC First Bank Wealth Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.67%
Offline- 0.50%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%
IDFC First Bank Private Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 1%
Offline- 0.67%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%
With IDFC, Card Variant don't matter but your account variant decides (use IDFC Firstap Sticker RuPay Platinum Debit Card) -
S.No. Account Variant Max. Pts Max. Spend 1. Normal Account 8000 Rs.1,60,000.00 2. First Select 30000 Rs. 3,40,000.00 3. First Wealth 50000 Rs. 5,36,660.00 4. First Private 500000 Rs. 50,30,000.00
Where to spend ?
Phonepe app - Credit Card bill pay via IDFC Firstap Sticker RuPay Platinum Debit Card without any charges -
MCC 4814, if you get these merchant names only - 👇🏼👇🏼
PHONEPE RECHARGE BANGALORE
PHONEPE RECHARGE
Phonepe recharge
WWWPHONEPECOM Gurgaon
WWWPHONEPECOM
WWWPHONEPE
phonepe banglore
phonepe
Before moving to another debit card, you might ask why we want to use IDFC RuPay?
Answer: Because "RuPay hai toh zindagi hai!" – okay, sorry, thora bhabnao me bahe gaya
Real answer: The RuPay variant has no extra charges on the PhonePe app.
Second thing: With Visa/Mastercard, some merchant names are not eligible, but with the RuPay variant, you will always get the eligible merchant names I mentioned above.
Note - Freecharge is also eligible but personally not verified yet with IDFC RuPay and no extra charges on RuPay variant on Freecharge.
2) SBI Debit cards/SBI Virtual Debit Cards:
Okay, first go to the SBI YONO app or SBI Net Banking and apply for the "Virtual RuPay Global Variant" (SBI Virtual Debit Card is Lifetime Free).
SBI Physical RuPay DC - reward value 0.25%
SBI Virtual RuPay DC - reward value 0.50% (0.25% extra is due to virtual bonus)
1 reward pts = 0.25 paisa
For a 50k spend using RuPay virtual DC, you will get 500 (base) + 500 (virtual bonus) + 1000 milestone bonus reward = 1% value
For rest numbers, do your calculations or refer this thread for more information:
Before moving to another debit card, you might ask why we want to use SBI virtual RuPay ?
Answer: Because "RuPay hai toh zindagi hai!" – okay, sorry, bhabnao me again bahe gaya.
Real answer: Well, the RuPay variant offers rewards at many places—PhonePe, SBI Unipay, PayZapp, Navi, Paytm, Freecharge, BillDesk etc and also no extra charges on some apps using RuPay variant.
You can even pay your Amex and SCB bank credit card bills through BillDesk using RuPay variant.
If you keep using a Visa/Mastercard on just one website, it will get devalued quickly.
The rest is up to you—it's a free country, do whatever you want. But I'll just say, support Indian RuPay card.
3) Bank of India: Better Rewards on All Debit cards (0.46%)
There is a separate post read here and apply Bank of India RuPay Classic/Platinum/Select variant and use on Phonepe app, freecharge app
Why Bank of India RuPay Classic/Platinum/Select variant ?
Answer: Because "RuPay hai toh zindagi hai!" – okay, sorry, phir se bhabnao me..
Real answer: The RuPay variant has no extra charges on the PhonePe app and Freecharge app.
4) HDFC Millennia Debit Card:
There is already a separate post about the HDFC Millennia debit card—read it from here:
5) HDFC Platinum Debit Card:
Well, this card is almost dead now, but someone just shared a trick. Read it and try it if you want and first read first few pages comments too -
6) RBL Enterprise Debit Card:
Note - RBL Enterprise DC for milestone benefit, read my 8th point.
1st use -
Freecharge app CC bill pay - 1% charges and 5% upto 1000 cashback (Pay 20k cc bill)
Merchant name/OTP SMS - accelyst solution
After transaction - FREECHARGE PAYMENT TEC Gurgaon IN
MCC Code - 4900
Note: 1% charge above 1k CC bill pay & i think 2 times per CC bill pay allowed per month (first time use 1k cc bill pay and ask RBL customer care to verify your MCC Code)
View attachment 84813
Now 2nd time Use -
Phonepe app - (well, you can do 5 times 2k cc bill pay and pay only 0.3% charges + 5% upto 500 Cashback)
Merchant name - phonepe recharge
MCC Code - 4814
"PHONEPE RECHARGE BANGALORE IN" gives 4814 MCC. The prob is that merchant name comes very rare.
OTP SMS - PHONEPE RECHARGE
After transaction - PHONEPE RECHARGE BANGALORE IN
View attachment 84814
7) Kotak 811 Super DC:
Just Dial website -
CC BILL >> DC FEES 2.12%
Merchant Name - IN OTP - WWW JUSTDIAL COM
AFTER TXN - JUSTDIAL47820
MCC Code - 7311 (ADVERTISING SERVICES) FEE 2.12%
What ?
Dnt like 2.12% Debit card fee ? Ok, there is another trick here
8) RBL Signature+ DC, HDFC Millennia DC, Kotak 811 Super DC -
If you have RBL Enterprise DC then only milestone benefit will count here.
Android users - Use Ebixcash Full KYC Wallet UPI - Here add money MCC Code 5013 or 8999 (both are eligible category)
But remember - daily add money limit is Rs5000 only and no charges for Debit Cards.
New user first time register through Ebixcash website and go to profile and complete Video KYC
Wait few days to your Video kyc approved.
Now download Ebixcash Wallet UPI app (Android only) and use.
Note: Add money through website only and spend money or pay anywhere via Wallet UPI through app only.
All other details, i have a separate post, read here -
Wow so perfectly explanied , i own idfc first privaten calculation are perfect, i didnt understand what first the advantage of 20,000 points on first spend is not shown anywhere, is it still there? Secondly whats advantage of getting additional rupay first tap over private card? Points are added merge with first rewards or separately points are added??
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Abhishek012
TF Pioneer
Primary visa/mastercard now not accept anywhere or not eligible anywhere.
Apply 2nd debit card, add-on Firstap RuPay variant.
Rewards and 10x rewards are same as per your wealth or private account
Benefit -
1st benefit - you will again get 8k (wealth) or 20k (private) account welcome rewards (this is additional benefit, if you already get welcome rewards on primary card then you will once again get welcome rewards on Firstap RuPay)
2nd benefit - RuPay variant accepted on Phonepe app cc bill payment with all merchant names eligible and no extra charges.
You can also use Freecharge app cc bill payment, once agian no extra charges for RuPay.
interesting find kiya hai bhai ne, sab batane ke baad bhi kuch na kuch nikaal lete hai log. Aap kyu gussa kar rahe Toofani Dada @Abhishek012
sorry sir, I somewhere read free transfer to bank so thought it is talking about the feature to use.Use Ebixcash Wallet UPI app, Free of cost no charges.
Read my post carefully.
Abhishek012
TF Pioneer
No, you can use full kyc Wallet UPI to bank transfer free of cost.
Abhishek012
TF Pioneer
Anyone got this merchant name ? saw this for the first time.
But since the merchant name says "Bill Payments", there is a high chance that it falls under the utility/telecom category.
But since the merchant name says "Bill Payments", there is a high chance that it falls under the utility/telecom category.
iimadarsh
TF Premier
Maybe you are right. I also paid 30k same day after issuing of sbi rupay vc next day again paid 30k
Rcvd 2400 points only.
shashank08
TF Premier
How long one should wait if reward points are not received.. I can see someone received reward points even after 5-6 months.. 🙂🙂
I did Amazon bill payment using First Tap on 7th Feb but no welcome rewards points of 8000 for me on 2 different accounts within the family..
so is welcome reward (again) of 8000 on first tap is hit or miss or one should get mandatorily?
if these reward points are not yet credited even after 14 working days.. should one call to customer care?
What is your suggestion?
Abhishek012
TF Pioneer
Wait upto 30 days.
One person didn’t get the rewards for 1st feb, complained last weekend, and yesterday he received the rewards + welcome rewards.
Some people told - if your card or account is new, your new account/card is not linked with IDFC rewards system that's why too much delay.
You can complaint after 30 days or wait 2-3 months all rewards will credit automatic, once your account or card become old, you will automatically getting all reward points within 30 days.
spd
TF Buzz
T
Through which way did you paid your credit card bill
4900 ( utility ) mcc eligible for cashback at idfc first tap rupay card ?
shashank08
TF Premier
Thank you That helps..
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