Best Debit Card For Credit Card Bill Payment 2024

[TechnoFinoTechnoFino is verified member.]

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

 

[Credit_Cards]

dude my question was whether the points continue if i take millenia. i found the answer that it won't continue. He said to continue to make it till 250 and closing the card is not optimal. i even asked him why he thinks Plat is better. i am telling him it's better to shut and go to millenia with the answers i got.

you cant shut a card, you need to close it.

Thanks for your insights.

 

[2025]

dude my question was whether the points continue if i take millenia. i found the answer that it won't continue. He said to continue to make it till 250 and closing the card is not optimal. i even asked him why he thinks Plat is better. i am telling him it's better to shut and go to millenia with the answers i got.

If I interpret his answer correctly then i think he said u should not let go this 175. Better use them using freecharge. In the meantime u can order millennia as well. Nothing wrong in his suggestion.
If u pay 7500 in freecharge then u will get a return of about 2.2%. Though millennia offer 2.5% but it has a cap of 16000.

If I was in ur place I should have used that, provided I have a pending bill or a bill available in next 10 days.

Even after placing the upgrading order to millennia u can pay using plat and get the rewards. Both cards will be active together for few days. Both will be getting rewards till they were active.

 

[ritziveer]

If I interpret his answer correctly then i think he said u should not let go this 175. Better use them using freecharge. In the meantime u can order millennia as well. Nothing wrong in his suggestion.
If u pay 7500 in freecharge then u will get a return of about 2.2%. Though millennia offer 2.5% but it has a cap of 16000.

If I was in ur place I should have used that, provided I have a pending bill or a bill available in next 10 days.

Even after placing the upgrading order to millennia u can pay using plat and get the rewards. Both cards will be active together for few days. Both will be getting rewards till they were active.

Thanks now your talking constructively. Instead of criticising.

HDFC plat gives 2.2% on free charge ? Please help with the process or give link so that I’ll know more. Thanks in advance.

That’s why I asked should I keep platinum to make it 250. But if it’s 1% return which it usually is. Then It’s better to get millennia na. Thats why I said millennia gives better. I am also trying to learn things. And I am new here.

 

[2025]

Thanks now your talking constructively. Instead of criticising.

HDFC plat gives 2.2% on free charge ? Please help with the process or give link so that I’ll know more. Thanks in advance.

That’s why I asked should I keep platinum to make it 250. But if it’s 1% return which it usually is. Then It’s better to get millennia na. Thats why I said millennia gives better. I am also trying to learn things. And I am new here.

Everything in the previous msg itself. Please re-read and calculate.
Hint: 175 + 75 - 90 = 160
160 ÷ 7500 = 2.1*%.

 

[Mr. BeanMr. Bean is verified member.]

Does loading 40k to payzap wallet via millennia debit card fetches cashback?

Yes. You may also use any similar (PPI) wallets such as Amazon Pay & PhonePe.

 

[mail2jampa]

any one using HDFC millennia debit card from past kindly please clarify my doubts

1) Total cb for month even on 1% offline /wallet or 2.5 online is capped to 400 per month
2) a)currently we can load 40000 in wallets like amazon and mobikiwk for 1% to get 400
b) currently canara setu supporting CC bill payments of 2.5% , so by spending 16000 we will get 400 max
3) regarding cashback credit in rewards for any of the above 1% offline /wallet or 2.5 online takes for sure 90 DAYS from the end of the transaction month
( does any type of transaction using millennia dc instan, I mean like 2-4 days like platinum card any such transactions )
4) using millennia dc in smart buy or payzapp gives 5%, does these transactions also take 90days to reflect
how these smartbuy or payzapp cb works , does we get extra than 400 like separate which adds in bank statement or what


please millennia experts clarify me, all these posts making me so much confuse bros

 

[drvirag]

.

any one using HDFC millennia debit card from past kindly please clarify my doubts

1) Total cb for month even on 1% offline /wallet or 2.5 online is capped to 400 per month
2) a)currently we can load 40000 in wallets like amazon and mobikiwk for 1% to get 400
b) currently canara setu supporting CC bill payments of 2.5% , so by spending 16000 we will get 400 max
3) regarding cashback credit in rewards for any of the above 1% offline /wallet or 2.5 online takes for sure 90 DAYS from the end of the transaction month
( does any type of transaction using millennia dc instan, I mean like 2-4 days like platinum card any such transactions )
4) using millennia dc in smart buy or payzapp gives 5%, does these transactions also take 90days to reflect
how these smartbuy or payzapp cb works , does we get extra than 400 like separate which adds in bank statement or what


please millennia experts clarify me, all these posts making me so much confuse bros

Yes it is 90days from transaction month. If u made transaction in jan u ll get by 30 April. Total cashback is 400 max

 

[mail2jampa]

.
Yes it is 90days from transaction month. If u made transaction in jan u ll get by 30 April. Total cashback is 400 max

so even you spend in 5% by smartbuy or payzaap
or 1% offline or wallet
or 2.5% online spends

all cumulative max 400 per month , there is no exemption for smart buy or pazaap

why I am asking bcz when I spend in plt card in smart buy or pazaap for some flight hotels e.t.c the cb used to be another section called PROMOTIONAL CB not In the REGURAL one
so thats why asking

 

[drvirag]

so even you spend in 5% by smartbuy or payzaap
or 1% offline or wallet
or 2.5% online spends

all cumulative max 400 per month , there is no exemption for smart buy or pazaap

why I am asking bcz when I spend in plt card in smart buy or pazaap for some flight hotels e.t.c the cb used to be another section called PROMOTIONAL CB not In the REGURAL one
so thats why asking

See hdfc site
Maximum 400 including all

 

[2025]

so even you spend in 5% by smartbuy or payzaap
or 1% offline or wallet
or 2.5% online spends

all cumulative max 400 per month , there is no exemption for smart buy or pazaap

why I am asking bcz when I spend in plt card in smart buy or pazaap for some flight hotels e.t.c the cb used to be another section called PROMOTIONAL CB not In the REGURAL one
so thats why asking

Smarbuy / payzapp (3% now) as promotional cashback are additional.

These transactions also generate cashback for Millennia separately and that is part of 400. It's kind of double cashback the reason u already know. Promotional cashback usually comes before millennia cashback.

 

[gunadeepak10]

Does Kotak PVR debit card gives Reward points for paying CCbills using Canara Setu?