Best Debit Card For Credit Card Bill Payment 2024

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In the world of personal finance, many people are always looking for ways to manage their money better and get the most out of their spending. One popular strategy that's gaining traction is using debit cards to pay off credit card bills. This allows you to earn cashback on expenses that wouldn't normally earn rewards. In this article, we'll explore this concept and look at some of the best debit card options for paying off credit card bills.

Understanding the Strategy​

Typically, credit card bills are paid using money from a bank account, either automatically or by manual transfer. While these payments don't usually earn rewards, some banks offer cashback incentives for using their debit cards to pay bills. By strategically using a debit card for credit card payments, you can earn cashback on expenses that wouldn't otherwise earn rewards.

Choosing the Right Debit Card​

When choosing a debit card for paying credit card bills, there are a few things to consider:

1. Cashback Percentage: Look for a debit card that offers a good cashback percentage on bill payments.
2. Debit Card Fees: Consider any fees associated with the debit card, such as monthly fees or transaction fees.
3. Account Requirements: Make sure you meet any requirements to qualify for the debit card you're interested in.

Top Picks For Best Debit Cards:​

Debit Card Name	Debit Card Fees	Bill Payment Platforms	Cashback/Reward Rate	Maximum Capping	Milestone Benefits
HDFC Platinum Debit Card	Rs. 750 + GST For Normal Account; Nil For SavingsMax or higher variant accounts/programs	HDFC Bank Bill Payment Portal	1% Cashback	Rs. 750 Per Month	Not Available
HDFC Millennia Debit Card	Rs. 500 + GST For Normal Account; Nil For SavingsMax or higher variant accounts/programs	Load Amazon Wallet & Pay Bill; Use HDFC Bill Payment Portal, Mobikwik	1% Cashback (Amazon Wallet) 2.5% (HDFC Bill Payment Portal)	Rs. 400 Per Month	Not Available
RBL Enterprise Debit Card	Joining: Rs. 7500 + GST Annual: Rs. 2000 + GST	SBI Unipay	5% Cashback As Voucher	Rs. 1000 Per Month	Spend 5L In A Year & Get Voucher Worth Of Rs. 2000 Additional Rs. 3000 Voucher On Spending 10L & Another Rs. 4000 Voucher On Spending 15L In A Year.
RBL Signature Plus Debit Card	Joining: Rs. 5000 + GST Annual: Rs. 1500 + GST	SBI Unipay	1% Cashback As Voucher	Rs. 1000 Per Month	Rs. 5000 Voucher On Spending Rs. 5L In A Year
IndusInd Bank Exclusive Debit Card	Nil For Exclusive Account	PayTM, SBI UniPay	~0.93% Cashback	Rs. 1050 Per Month (Cash Value)	Not Available
IndusInd Bank Select Debit Card	Nil For Select Account	PayTM, SBI UniPay	~0.93% Cashback	Rs. 1050 Per Month (Cash Value)	Not Available
IndusInd Pioneer Debit Card	Nil For Pioneer Account	SBI UniPay, PayTM	0.50% Cashback	Unlimited	Not Available
IDFC First Private Debit Card	Nil For Private Account	SBI UniPay	1% Reward (Voucher) After Rs. 50,000, Reward Rate Will Become: 2.50%	Rs. 1,25,000 Per Month (Cash Value)	Not Available
IDFC First Wealth Debit Card	Nil For Wealth Account	SBI UniPay	0.67% Reward (Voucher) After Rs. 50,000, Reward Rate Will Become: 2.50%	Rs. 12500 Per Month (Cash Value)	Not Available
IDFC First Select Debit Card	Nil For Select Account	SBI UniPay	0.5% Reward (Voucher) After Rs. 50,000, Reward Rate Will Become: 2.50%	Rs. 7500 Per Month (Cash Value)	Not Available
Standard Chartered Priority Visa Infinite Debit Card	Nil For SC Priority Banking	PayTM, SBI UniPay, Etc.	1.25% Cashback (Voucher)	Unlimited	Not Available

In today's financial world, getting the most cashback means thinking creatively and planning strategically. Using the right debit card to pay your credit card bills can earn you extra rewards and improve your overall financial situation. Whether it's getting cashback on everyday purchases or finding new ways to use your rewards, there are plenty of opportunities for those who are open to trying out innovative financial strategies.

Update- 4900 MCC eligible for CB for RBL enterprise & MCC for PayTM transaction is 6051 So RBL SPDC is also not eligible for CB On Paytm

 

[Bhokaal]

On 14th Jan, I paid a small amount for CC using Canara Setu to test if still Rewards were fetched using Platinum DC.
"OTP is XXXXXX for txn of INR 101.00 at Retail CC on HDFC Bank card ending XXXX"
It fetched reward points.

Again I paid CC bill in Canara Setu on 27th Jan using same Platinum DC.
The same merchant showed.
"OTP is XXXXXX for txn of INR 2000.00 at Retail CC on HDFC Bank card ending XXXX."
"Rs.2000 spent on HDFC Bank Card XXXX at RETAIL CC MUM on 2025-01-27"
But never received Rewards.

Moral of the story: Now we cant trust these merchant names. Every app have become smarter. Until and unless we receive rewards, lets not hurry applying Millennia DC.

@SUBARNA Mahato, after how many days usually Millennia DC gives rewards? Please update here once you receive the same.

Can confirm I paid on 1st Feb and it was Retail CC but no points

 

[SUBARNA Mahato]

On 14th Jan, I paid a small amount for CC using Canara Setu to test if still Rewards were fetched using Platinum DC.
"OTP is XXXXXX for txn of INR 101.00 at Retail CC on HDFC Bank card ending XXXX"
It fetched reward points.

Again I paid CC bill in Canara Setu on 27th Jan using same Platinum DC.
The same merchant showed.
"OTP is XXXXXX for txn of INR 2000.00 at Retail CC on HDFC Bank card ending XXXX."
"Rs.2000 spent on HDFC Bank Card XXXX at RETAIL CC MUM on 2025-01-27"
But never received Rewards.

Moral of the story: Now we cant trust these merchant names. Every app have become smarter. Until and unless we receive rewards, lets not hurry applying Millennia DC.

@SUBARNA Mahato, after how many days usually Millennia DC gives rewards? Please update here once you receive the same.

Current status?
How did you order? App/NetBanking or branch?

For upgradation from platinum to millenia, HDFC takes charges of 590 as a joining fees of millenia...🤨

 

[SUBARNA Mahato]

On 14th Jan, I paid a small amount for CC using Canara Setu to test if still Rewards were fetched using Platinum DC.
"OTP is XXXXXX for txn of INR 101.00 at Retail CC on HDFC Bank card ending XXXX"
It fetched reward points.

Again I paid CC bill in Canara Setu on 27th Jan using same Platinum DC.
The same merchant showed.
"OTP is XXXXXX for txn of INR 2000.00 at Retail CC on HDFC Bank card ending XXXX."
"Rs.2000 spent on HDFC Bank Card XXXX at RETAIL CC MUM on 2025-01-27"
But never received Rewards.

Moral of the story: Now we cant trust these merchant names. Every app have become smarter. Until and unless we receive rewards, lets not hurry applying Millennia DC.

@SUBARNA Mahato, after how many days usually Millennia DC gives rewards? Please update here once you receive the same.

I have 3 millenia and one platinum HDFC debit card( family members). I didn't make any payment using platinum hdfc DC in February yet..all i have done payment using millenia DC in canara setu .

 

[SUBARNA Mahato]

Through app

It's getting delivered Tommorow

Hdfc charges 590 for that right 🌉❓❓ please update here if hdfc takes charges 590 as joining fees of millenia DC🤨

 

[arone]

Hdfc charges 590 for that right 🌉❓❓ please update here if hdfc takes charges 590 as joining fees of millenia DC🤨

if you have higher account variant then no

 

[purushotham]

Hdfc charges 590 for that right 🌉❓❓ please update here if hdfc takes charges 590 as joining fees of millenia DC🤨

I had savings max account initially

Now upgraded to Classic banking

So minimum balance and no other charges

 

[Aadi55]

I have 3 millenia and one platinum HDFC debit card( family members). I didn't make any payment using platinum hdfc DC in February yet..all i have done payment using millenia DC in canara setu .

I mean technically Millenia and Platinum should be same. If Platinum not fetching rewards, Millennia should also not fetch. But yeah, please keep us updated on rewards credit.

 

[6ix9ine]

I mean technically Millenia and Platinum should be same. If Platinum not fetching rewards, Millennia should also not fetch. But yeah, please keep us updated on rewards credit.

Nice logic brother

 

[Rohith-2009]

N

I mean technically Millenia and Platinum should be same. If Platinum not fetching rewards, Millennia should also not fetch. But yeah, please keep us updated on rewards credit.

No, they have different MCCs for rewarding

 

[Garry]

do HDFC charges fee for conversion to millennia DC from plat DC in savings max account?

 

[drvirag]

do HDFC charges fee for conversion to millennia DC from plat DC in savings max account?

No. Jst apply new millennia

 

[Garry]

No. Jst apply new millennia

Thanks. One more thing, plat dc will be closed after millennia dc issued or both will work?

 

[DaDarkkNight]

Thanks. One more thing, plat dc will be closed after millennia dc issued or both will work?

Platinum will be closed once millenia is issued and activated, I had done this many months back. Also, if you fall under classic/preferred/imperia banking program, then no issuance fees will be levied to you, it wasn't in my case as I was under preferred banking programme

 

[Garry]

Platinum will be closed once millenia is issued and activated, I had done this many months back. Also, if you fall under classic/preferred/imperia banking program, then no issuance fees will be levied to you, it wasn't in my case as I was under preferred banking programme

Thanks for the quick update bro.

 

[sridharkett]

In which portal can I use rbl signature plus debit card to get reward points? canara setu not fetching bill amount

 

[Abhishek012]

In which portal can I use rbl signature plus debit card to get reward points? canara setu not fetching bill amount

Canara setu working, try after sometime.

 

[Card_Crafter]

So RBL EDC is officially Dead?

Still 4250 Reward points are lying in account.

 

[Avijeet]

So RBL EDC is officially Dead?

Still 4250 Reward points are lying in account.

They have reward points as well?? I thought only the 1K voucher per month...

 

[darkjediknight]

They have reward points as well?? I thought only the 1K voucher per month...

He means welcome vouchers

 

[b4bhar]

Guys, my wife has a millennia debit card. What's the best way to get cashback for paying bills using it since platinum debit card is no longer giving cb?

Thanks