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

 

[Baki]

You mean using SBI debit card right? I have SBI global debit card. Will it work?

Y E S

 

[Baki]

Im not getting Points on my select indus DCs MC, Visa, Plat from last 2 Month (paid via SBI Unipay) ? Any Tip & Trick to make use of my indus Dcs? once month Got 1600 pts and once 400, Otherwise no points, I exhausted all the cards as usual.

 

[Raghav2006]

Im not getting Points on my select indus DCs MC, Visa, Plat from last 2 Month (paid via SBI Unipay) ? Any Tip & Trick to make use of my indus Dcs? once month Got 1600 pts and once 400, Otherwise no points, I exhausted all the cards as usual.

Happened with me as well.
In september received the whole amt of RP, but in October I didn't receive much RP for trnx I did till 27-28 October, and got around 12-1300 for trnx did on 30th October.

Someone on the forum told me to call them for this but they weren't helpful and told me to drop an email, will do it this weekend (Advise you to do the same)

Also, can you please tell me do you have these 2-3 debit cards on a single account?
If yes, how'd you do it?

When I opened this bank I got signature DC, and on app I have option to apply visa gold, signature, platinum but no visa.
I've called them twice but in both the cases they told me that they have to close signature then I can get MC as well.
I need to have both the cards as I have big bill payments.

Please help me out, thanks.

 

[rajshubham820]

guys did anyone get 5 % cashback on hsbc corporate debit card for credit card bill payment using sbi unipay or canarasetu

 

[Raviteja]

Happened with me as well.
In september received the whole amt of RP, but in October I didn't receive much RP for trnx I did till 27-28 October, and got around 12-1300 for trnx did on 30th October.

Someone on the forum told me to call them for this but they weren't helpful and told me to drop an email, will do it this weekend (Advise you to do the same)

Also, can you please tell me do you have these 2-3 debit cards on a single account?
If yes, how'd you do it?

When I opened this bank I got signature DC, and on app I have option to apply visa gold, signature, platinum but no visa.
I've called them twice but in both the cases they told me that they have to close signature then I can get MC as well.
I need to have both the cards as I have big bill payments.

Please help me out, thanks.

In September after transaction how many days it took to credit reward points in your case?

I called customer care they said with in 30 days reward points will be credited

 

[Raghav2006]

In September after transaction how many days it took to credit reward points in your case?

I called customer care they said with in 30 days reward points will be credited

I don't have a exact timeline, but it was within 15 days i guess

 

[rutgersbach]

In September after transaction how many days it took to credit reward points in your case?

I called customer care they said with in 30 days reward points will be credited

For this if you get it on written email we can file a complaint first with them and then with RBI because I don't think they will fix it.

There own website states: "W.E.F 1st August 2023, Reward Points accrued for a transaction will be credited to the customer within 2 working days from the date of the transaction. E.g - For transactions done on 31st August, reward points will be credited latest by 2nd September."




Secondly, just for everyone's info, IndusInd has mentioned this explicitly that cc payments aren't eligible (I used very minor HTML editing to highlight the difference between the various schedules):



Though, like HDFC, they still give points because these platforms(which are giving CB) are using utility MCC

 

[Raviteja]

I've paid SBI credit card bill on 7th of this month through Airtel app (indusind debit) .message received from Airtel has payment has been failed will be refund 2-3 working days.
Amount debited from bank and credited to SBI credit card instantly.but Today that amount refunded. So is this happened previously.? Can Airtel reverse the transaction in SBI/IndusInd bank?
Amount is nearly 20k.

 

[saber.mbt]

Finally received the indusind debit card reward points yesterday night. Transaction done on November 4th. Credited Nov13th. Everyone check for your points👍

 

[cardio_guy]

Hi All, I need a help to pick which is the best method to pay credit card bills for this month.
Following are the cards and bill amounts:

• ICICI Amazon Pay card: Rs 82,540/-
• ICICI Sapphiro card: Rs 7,540/-
• HDFC Swiggy card: Rs 31,280/-
• HDFC Tata Neu Infinity card: Rs 25,380/-

I have the following apps and bank accounts:

Apps: Google Pay, Amazon Pay, Tata Neu
Bank accounts: SBI (Global debit card), HSBC (Visa debit card)

I used to pay using Amazon Pay app via UPI, but there has been no meaningful cashbacks/rewards at all.

Would request to let me know how to proceed, mainly asking because this time the bill amounts are a little higher and I wanted to explore if at all some way is there where I can get some reward in return. Last date is Nov 30, so I have some time to decide. Thanks in advance.

 

[Raghav2006]

Hi All, I need a help to pick which is the best method to pay credit card bills for this month.
Following are the cards and bill amounts:

• ICICI Amazon Pay card: Rs 82,540/-
• ICICI Sapphiro card: Rs 7,540/-
• HDFC Swiggy card: Rs 31,280/-
• HDFC Tata Neu Infinity card: Rs 25,380/-

I have the following apps and bank accounts:

Apps: Google Pay, Amazon Pay, Tata Neu
Bank accounts: SBI (Global debit card), HSBC (Visa debit card)

I used to pay using Amazon Pay app via UPI, but there has been no meaningful cashbacks/rewards at all.

Would request to let me know how to proceed, mainly asking because this time the bill amounts are a little higher and I wanted to explore if at all some way is there where I can get some reward in return. Last date is Nov 30, so I have some time to decide. Thanks in advance.

If you usually have there much bills each month, then get indusind exclusive. It can be used to pay bills till 1.15lacs.
Else, ask if any known person of yours has this card and use their card.

You could also get Kotak 811 super, but I havent received the cashback yet, so cant vouch. But I use indusind last 2 months and it's good.

 

[cardio_guy]

If you usually have there much bills each month, then get indusind exclusive. It can be used to pay bills till 1.15lacs.
Else, ask if any known person of yours has this card and use their card.

You could also get Kotak 811 super, but I havent received the cashback yet, so cant vouch. But I use indusind last 2 months and it's good.

Not usually, only this month. Otherwise usually all cards bills will be around 10k each max.

 

[Ravana_88]

If you usually have there much bills each month, then get indusind exclusive. It can be used to pay bills till 1.15lacs.
Else, ask if any known person of yours has this card and use their card.

You could also get Kotak 811 super, but I havent received the cashback yet, so cant vouch. But I use indusind last 2 months and it's good.

My payments are failing from the past 20 days . Tried paying on canara setu , unipay and airtel . Tried paying for Infinia and today airtel axis also . It was working fine last month . Any help is appreciated

 

[Raghav2006]

My payments are failing from the past 20 days . Tried paying on canara setu , unipay and airtel . Tried paying for Infinia and today airtel axis also . It was working fine last month . Any help is appreciated

Mine hasn't failed even once, mind telling me what dc you used?

 

[Raghav2006]

Not usually, only this month. Otherwise usually all cards bills will be around 10k each max.

Understood, so your best bet will be to get kotak 811 super for every month.
Annual fee for account is 300 and pay 10k each month and get 500 back.

And for this month, find someone you know who holds Indusind Exclusive account, they can use they their card to pay your bill till 1.15 lacs and will receive 1050rs cashback.
I have personally once only received 400-500rs less, otherwise it is good.

 

[harsha1]

If you usually have there much bills each month, then get indusind exclusive. It can be used to pay bills till 1.15lacs.
Else, ask if any known person of yours has this card and use their card.

You could also get Kotak 811 super, but I havent received the cashback yet, so cant vouch. But I use indusind last 2 months and it's good.

Does IndusInd Exclusive and Select account have same benefits for bill payments reward points?

 

[Raghav2006]

Does IndusInd Exclusive and Select account have same benefits for bill payments reward points?

Yup just checked, its identical.

 

[harsha1]

I have Amazonpy icici credit card with bill payment of around 1.4L , I have indusind select account with mastercard varient debit card.

Which gateway should I use to pay, SBI Unipay or canara setu ?

Like Which one have most successful rate without failure.

And if transaction failed then how many days it took to refund money via each gateways?

Thanks