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

Can someone confirm if im using my normal visa idfc dc to spend 50k and then my firstap sticked to pay cc bills will i get 10x on firstap transaction or i need to spend 50k separately in firstap also pls tell is there any exclusion for mcc in idfc debit card rewards because I can not able to find a proper t&c for this regard......
 
Hi,

Looks like phonepe has changed it's mcc to phone pvt ltd for credit card payments and this mcc doesn't offer any points on idfc rupay debit card ( just verified from customer service). Now do we nay any alternative for it? Thank you!
 
Hi,

Looks like phonepe has changed it's mcc to phone pvt ltd for credit card payments and this mcc doesn't offer any points on idfc rupay debit card ( just verified from customer service). Now do we nay any alternative for it? Thank you!
It's because 6012 is MCC for it and IDFC has this MCC excluded.

CC payments via DC kuch hi dino ka kehmaan hai.

Translation: CC payments via DC is guest for few days and will check-out hotel taking everything with it leaving us empty handed.

Ab wahi card aaney waley time mein Raj karega, Jo 6012 pe rewards dega. Trans: 6012 wale dulhaniye le jayenge.

Trans 2: Bauji: Ruk Simran Ruk, Jaaney ko Raj (cashback) ko.

Is TF (Duniya) mein bahot se raaj hai, bas jarurat hai kisi simran ki. Simran (Honeytrap) bhejo secret groups mein taaki Raaj bahar aaye. 🤣
 
Could you please share the link for Axis Net Banking Portal? Thanks!
Its works only for Axis credit card users. If you have one, and want to pay Axis credit card bill then you can simply login to Axis bank app, visit credit card section, click on 'Pay' button, select amount then click on 'other payment mode'. You can use other bank debit cards there.
 
Its works only for Axis credit card users. If you have one, and want to pay Axis credit card bill then you can simply login to Axis bank app, visit credit card section, click on 'Pay' button, select amount then click on 'other payment mode'. You can use other bank debit cards there.
Thanks a lot, buddy!👍
 
Its works only for Axis credit card users. If you have one, and want to pay Axis credit card bill then you can simply login to Axis bank app, visit credit card section, click on 'Pay' button, select amount then click on 'other payment mode'. You can use other bank debit cards there.
What's the merchant category?
 
Hi,

Looks like phonepe has changed it's mcc to phone pvt ltd for credit card payments and this mcc doesn't offer any points on idfc rupay debit card ( just verified from customer service). Now do we nay any alternative for it? Thank you!
Apply 2nd debit card, IDFC firstap RuPay debit card and use for cc bill payment via freecharge app.

no extra charges on RuPay for cc bill pay via freecharge.

daily limit 1 lakh per day.

You will get same reward points as per your account variant. also get welcome rewards, no need to use primary debit card.
 
Till when and how much % reward points we get while pay through PhonePe using sbi virtual card for credit card bill.
1% reward value, if you use SBI RuPay virtual debit card.

Also use on billdesk, freecharge app, paytm app etc for cc bill payment.

Every 50k spent, you will get milestone benefit.

Base reward + virtual reward (0.25%+0.25%) will credit within 7 days and milestone benefit (0.50%) will credit within 2-3 months.

Note - new account or new card - all rewards will credit within 2-3 months.
 
1% reward value, if you use SBI RuPay virtual debit card.

Also use on billdesk, freecharge app, paytm app etc for cc bill payment.

Every 50k spent, you will get milestone benefit.

Base reward + virtual reward (0.25%+0.25%) will credit within 7 days and milestone benefit (0.50%) will credit within 2-3 months.

Note - new account or new card - all rewards will credit within 2-3 months.
so if we use physical debit card will we get milestone benefit on 50k ?
 
I need to pay the credit card bill of 7 lacs how I can pay for more savings.
SBI virtual card or anything else?
Pay total 5 lakhs per month to get maximum benefit. However, you can still get milestone benefit after 5 lakhs spent (milestone benefit 0.50%).

Apply SBI Virtual RuPay debit card and pay cc bill via phonepe app, paytm app, freecharge app, billdesk website without any extra charges on RuPay.

Amex and SCB bank cc bill also supported via billdesk using RuPay variant.

Virtual visa user block card and apply virtual RuPay debit card


Of course you will get reward points too on all these websites/apps.

Amex - https://www.billdesk.com/pgidsk/pgmerc/amexcard/amex_card.jsp

SCB - https://pgi.billdesk.com/pgidsk/pgmerc/standardchartered/scb_card.jsp

Axis (Axis RuPay CC user choose mastercard option and proceed) - https://pgi.billdesk.com/pgidsk/pgmerc/axiscard/axis_card.jsp

SBI Card - https://pgi.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp

SBM bank - https://pay.billdesk.com/cardnet-instapay/sbmcard

yes bank - https://pgi.billdesk.com/pgidsk/pgmerc/ybkcard/YBKCARDDetails.jsp

phonepe app - https://play.google.com/store/apps/details?id=com.phonepe.app&hl=en_IN

freecharge app - https://play.google.com/store/apps/details?id=com.freecharge.android&hl=en_IN

paytm app - https://play.google.com/store/apps/details?id=net.one97.paytm&hl=en_IN
 
Pay total 5 lakhs per month to get maximum benefit. However, you can still get milestone benefit after 5 lakhs spent (milestone benefit 0.50%).

Apply SBI Virtual RuPay debit card and pay cc bill via phonepe app, paytm app, freecharge app, billdesk website without any extra charges on RuPay.

Amex and SCB bank cc bill also supported via billdesk using RuPay variant.

Virtual visa user block card and apply virtual RuPay debit card


Of course you will get reward points too on all these websites/apps.

Amex - https://www.billdesk.com/pgidsk/pgmerc/amexcard/amex_card.jsp

SCB - https://pgi.billdesk.com/pgidsk/pgmerc/standardchartered/scb_card.jsp

Axis (Axis RuPay CC user choose mastercard option and proceed) - https://pgi.billdesk.com/pgidsk/pgmerc/axiscard/axis_card.jsp

SBI Card - https://pgi.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp

SBM bank - https://pay.billdesk.com/cardnet-instapay/sbmcard

yes bank - https://pgi.billdesk.com/pgidsk/pgmerc/ybkcard/YBKCARDDetails.jsp

phonepe app - https://play.google.com/store/apps/details?id=com.phonepe.app&hl=en_IN

freecharge app - https://play.google.com/store/apps/details?id=com.freecharge.android&hl=en_IN

paytm app - https://play.google.com/store/apps/details?id=net.one97.paytm&hl=en_IN
Bro please read my dm
 
can anyone confirm time taken to receive Welcome rewards for IDFC first tap rupay card after first transaction? received base rps instantly but have not received welcome rewards. its been 3 days. Thanks
IDFC now changed t&c, now you get only one time welcome rewards.

use primary card or firstap RuPay debit card, choice is yours and get only one time welcome rewards.
 
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