VDC max limit is 50k/d
Yes its 50k for vdc.
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Which Debit Card to use for Credit Card Bill Payment in April 2025
- Thread starter Abhishek012
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- Replies 2K
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- credit card debit card hdfc kotak rbl rupay sbi upi visa wallet
Yes its 50k for vdc.
Daily 50k limit and milestone benefit every 50k spent.
Apply SBI Virtual RuPay debit card and pay cc bill via phonepe app, paytm app, freecharge app 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
Last edited:
@Abhishek012 Is there any limit other than 50k/day?
As per this, the capping seems to be at a transaction level rather than per day. There's also a 10000 reward cap/month. which is 5 lakh pm?
As per this, the capping seems to be at a transaction level rather than per day. There's also a 10000 reward cap/month. which is 5 lakh pm?
Last edited:
Vishal Gupta
TF Buzz
What about SBI VDC on SBI Unipay website? It will also give rewards right?
Is financial year ka hisaab kitaab nipta rahe hai
Check MCC if its within rewarding MCC but as per SBI customer care no reward points for useage on sbi unipay
mojo_jojo123
TF Ace
is idfc rupay still giving reward for phone pe .. did many transaction few days back but got very less reward points .. not able to check which transaction got and which didn't got
Sidd09
TF Neo
Same happened with me when I tried to buy gift cards or add cash to wallet. They called me to confirm the transactions, but still blocked the card. And I couldn't call them using Airtel (I think it need talktime balance). Jio worked fine, but my registered number was Airtel. Couldn't get my card unblocked so just cancelled it. Had to wait 15 days to reapply for it.
Lesson learnt: Don't experiment with SBI.
Strange
TF Prestige
From which email id did you receive this email?
the_collector
TF Premier
Wait really? I thought unipay gives points for sbi vdc transactions?
mojo_jojo123
TF Ace
any way to pay amex cc bill and get cashback / reward ?
Yes eligible, go ahead.
Apply SBI Virtual RuPay debit card and pay cc bill via phonepe app, paytm app, freecharge app, phonepe app 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 -
SCB -
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
ask customer care you will get same reply
the_collector
TF Premier
Cc will obviously not tell you it fetches points.
@Abhishek012 , can you confirm if sbi vdc fetches points on unipay?
Indusind DC give rewards on MCC Code - 6012 right ?
Use Navi app using IndusInd bank Visa DC and wait 2 months.
Strange
TF Prestige
N O .
Rakshitk99
TF Buzz
It does give points. I always use sbi unipay portal over phone pe and freecharge as mcc of theirs may change however unipay remains same.
for sbi vdc ? what about HDFC and IDFC debit cards ?
Rakshitk99
TF Buzz
Only sbi cards are allowed in unipay portal I am referring to using sbi vdc in unipay. For hdfc esp card auto bill payment through smart pay is only option available. Idfc ones can be used in phone pe and freecharge and other platform but I don't have it so not tried.
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