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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 NameDebit Card FeesBill Payment PlatformsCashback/Reward RateMaximum CappingMilestone Benefits
HDFC Platinum Debit CardRs. 750 + GST For Normal Account; Nil For SavingsMax or higher variant accounts/programsHDFC Bank Bill Payment Portal1% CashbackRs. 750 Per MonthNot Available
HDFC Millennia Debit CardRs. 500 + GST For Normal Account; Nil For SavingsMax or higher variant accounts/programsLoad Amazon Wallet & Pay Bill; Use HDFC Bill Payment Portal, Mobikwik1% Cashback (Amazon Wallet)
2.5% (HDFC Bill Payment Portal)
Rs. 400 Per MonthNot Available
RBL Enterprise Debit CardJoining: Rs. 7500 + GST
Annual: Rs. 2000 + GST
SBI Unipay5% Cashback As VoucherRs. 1000 Per MonthSpend 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 CardJoining: Rs. 5000 + GST
Annual: Rs. 1500 + GST
SBI Unipay1% Cashback As VoucherRs. 1000 Per MonthRs. 5000 Voucher On Spending Rs. 5L In A Year
IndusInd Bank Exclusive Debit CardNil For Exclusive AccountPayTM, SBI UniPay~0.93% CashbackRs. 1050 Per Month (Cash Value)Not Available
IndusInd Bank Select Debit CardNil For Select AccountPayTM, SBI UniPay~0.93% CashbackRs. 1050 Per Month (Cash Value)Not Available
IndusInd Pioneer Debit CardNil For Pioneer AccountSBI UniPay, PayTM0.50% CashbackUnlimitedNot Available
IDFC First Private Debit CardNil For Private AccountSBI UniPay1% 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 CardNil For Wealth AccountSBI UniPay0.67% Reward (Voucher) After Rs. 50,000, Reward Rate Will Become: 2.50%Rs. 12500 Per Month (Cash Value)Not Available
IDFC First Select Debit CardNil For Select AccountSBI UniPay0.5% 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 CardNil For SC Priority BankingPayTM, SBI UniPay, Etc.1.25% Cashback (Voucher)UnlimitedNot 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
 
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Paid SBI & ICICI via Airtel today morning .. worked for me
Issue seems to be for SBI Cashback card, After statement is generated, they credit Cashback, so outstanding amount comes down, Now if you pay as bill fetched, SBI will think you are trying to overpay which will fail the payment, So I tried to pay outstanding amount only by manually typing, then it succeeded.
 
Lagta hai Credit Card bill payments pe Debit card rewards earn karne k "Endgame" ho gaya.

First, Mobikwik changed mcc and stopped debit card reward.
After that,HDFC declared they will not give rewards on credit card payments.
Then, Paytm imposed hefty convenience fee.
Now, Jio Finance has removed debit card option.
I think, only option left is SBI upipay and Canara setu.
Yeh bhi kitne din tak chalenge pata nahi.

Jald hi , bas UPI hi bachega credit card bill payments karne k liye.
IDFC credit card ka bill pay karne ka try kar rha hu ,lekin dono UNIPortal aur Canara setu bill fetch nhi kar pa rhe.
 
Pay through SBI Unipay website, Jio Finance app and Canara Setu website for credit card bill payment.

2.5% upto 400 cashback per month on HDFC millenia Debit Card.

Note - if you facing any problem on Jio finance app, use credit/debit card without save your card, manually type card number and pay.


SBI Unipay website - try without login, if you face any problem.


I did this almost a week ago but in netbanking I cannot see any cashback yet. How many days does it take to reflect in NetBanking > Cards > Debit Card > Enquire Cashback section for Millenia DC?
 
HDFC Millennia Debit Card cashback credit after 90 days.

HDFC Platinum Debit Card cashback credit within 1-2 weeks
Say Word Reaction GIF by Justin


DAMN SON!
 
Few days ago, I made payment for cc bill on sbi unipay through hdfc easy shop dc but today is showing reversal and reversal amount on hold. See ss below.
But in my sbi CB card this amount is settled.
So will I have to pay again and I also received points for this transaction also so points will also deducted? IMG-20240911-WA0018__01.webp
 
Few days ago, I made payment for cc bill on sbi unipay through hdfc easy shop dc but today is showing reversal and reversal amount on hold. See ss below.
But in my sbi CB card this amount is settled.
So will I have to pay again and I also received points for this transaction also so points will also deducted?View attachment 68480
unipay ka haal bura hi hai bhai.. nayi nayi problems dekhne ko milti hai :beaming-face-with-smiling-eyes:
 
Few days ago, I made payment for cc bill on sbi unipay through hdfc easy shop dc but today is showing reversal and reversal amount on hold. See ss below.
But in my sbi CB card this amount is settled.
So will I have to pay again and I also received points for this transaction also so points will also deducted?View attachment 68480
Same happened to me . What happens when transaction is reversed after the points received from HDFC ? How they settle reward points in HDFC DC?
 
ICICI CC bill cannot be fetched in any app/portal. Anyone facing same issue ?
tried in sbi unipay, jio fin, airtel, canara setu

I have two cards with different last four digits.
 
Same happened to me . What happens when transaction is reversed after the points received from HDFC ? How they settle reward points in HDFC DC?
So your fund is still hold in hdfc account?
My fund is still on hold.
And was your payment settled to credit card when you paid from hdfc easy shop dc?
 
They reverse in next 120 days and if not sufficient, HDFC will issue legal notice for recovery. 🤣

Bhai kuch baatein bas samajh jaya karo. Koi answer nahi dega aapko.
Lekin amount ka kya?
Cc me payment bhi credit dikha rha hain and amount bank me reverse bhi dikha rha hai. Reverse amt credit ho gya ac me lekin hold per hai.
Ab hdfc amount sbi ko pay krega ya mere ac me credit? @Abhishek012
 
Lekin amount ka kya?
Cc me payment bhi credit dikha rha hain and amount bank me reverse bhi dikha rha hai. Reverse amt credit ho gya ac me lekin hold per hai.
Ab hdfc amount sbi ko pay krega ya mere ac me credit? @Abhishek012
Oh bhai, time diya gaya hai recepient ko ki receipt laa. Yeh jo hold pe hai fir se debit karke de denge unko. Agar yeh tera paisa hold se hat gaya aur account mein release ho gaya toh recovery tere CC ko charge karke karega. Usme debit entry create ho jayegi. At end of day you can relax as you won't get anything in that. If you use this amount be ready to pay in fuure when your CC creates a debit entry for same amount. Abhi ladayi HDFC aur Unipay ki hai. Chalney de. Dono jab settle kar lemge aapas mein tujhe koot denge.
 
Wait atleast 1 week.
No I checked again...I made three payments in airtel through HDFC DC
paid IDFC power+ rs.1500
AU LIT Rs. 200
and SBI Cashback Rs. 5000
all 15 days ago...
No cashback as I track the cashback amount and my payments

I will re-do again this month...I do not mind loosing some money while in testing phase as gives confidence later on
 
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