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

 

[Anindya98]

ALERT: Indusind and Federal Bank are in a freezing spree on accounts which used Debit cards for high amt payments "While Federal Bank is mostly doing credit freeze Indusind is doing total freeze"

While these transactions can be anything CC payments genrally are high value. I am tracking a case of Induind where he has submitted proof of income and added the transaction details as well to the BOM/BM, Indusind. Also the BOM has taken his home pics and job pay slips but it is still in total freeze status. I will revert back once some movement occurs and his spends per month from Indusind debit card was 1.9-2.1lac while his corporate salary was 1.5L and money from other sources "Rental" was 0.8L.

They have taken pics of his house "In parents name" and car "In his name" among other details mentioned above.

There is a Federal Bank case as well but its complete details are pending.

INDUSIND FREEZE CODE = [653548]

Add IDFC also

Post in thread '[Income Tax Payment] Card which provide benefit on Tax Payment'

Friday at 9:31 PM

It's 2.5% read here

Debit card gives 2.5% for 50K above spends and 0 PG charges.

Credit card gives flat 3Rps(0.75% ) and with PG charges of ~1% it doesn't make sense as we end up paying 0.25% extra.

@drsel
@helloworld you are correct they don't hit the sweet 2.5% without the Private DC
It comes to 1.25% for Normal DC capping at 1.6L/month, Select DC is 2.20% and caps at 3.4L/month, Wealth DC is 2.33% and caps at 536666/month & Private DC is...

• Anindya98

• 

 

[netrubha]

Can anyone list the working methods now in the following format.

Bank Name | Card Name | Card Variant | Platform used for CC payment | Max Optimized Amount that can be paid | Rewards in INR

 

[Eye of AjayEye of Ajay is verified member.]

Add IDFC also

Post in thread '[Income Tax Payment] Card which provide benefit on Tax Payment'

Friday at 9:31 PM

It's 2.5% read here

Debit card gives 2.5% for 50K above spends and 0 PG charges.

Credit card gives flat 3Rps(0.75% ) and with PG charges of ~1% it doesn't make sense as we end up paying 0.25% extra.

@drsel
@helloworld you are correct they don't hit the sweet 2.5% without the Private DC
It comes to 1.25% for Normal DC capping at 1.6L/month, Select DC is 2.20% and caps at 3.4L/month, Wealth DC is 2.33% and caps at 536666/month & Private DC is...

• Anindya98

• 

Will check for IDFC tomorrow for these both its a audit exercise for the calander year since they will work on work done in EOY for the financial year end in 2025.

 

[NShah]

Can anyone list the working methods now in the following format.

Bank Name | Card Name | Card Variant | Platform used for CC payment | Max Optimized Amount that can be paid | Rewards in INR

Thread 'Latest working methods to pay credit card bill from debit cards' https://www.technofino.in/community...-pay-credit-card-bill-from-debit-cards.25788/

 

[9491394999]

Please share details of debit card which is offering cash back

Dm to me. Most of the debit cards are devalued due to open discussion.

 

[aditya128]

Dm to me. Most of the debit cards are devalued due to open discussion.

Already sent DM

 

[Jack7]

Chill everything is working @Jack7 I got reward points for 17,19 & 21. Stop sharing rumors before verifying.

Plz look at updated terms in rewards program, my txns payments of 2 different cc , using airtel and sbiunipay ,but have not received points yet.

 

[Anindya98]

Plz look at updated terms in rewards program, my txns payments of 2 different cc , using airtel and sbiunipay ,but have not received points yet.

It was present from the beginning only. SBI Unipay and Airtel have Telecom and Utility MCC that's why we receive RPs.
Read the thread you will get your answer.

Thread 'Missing IDFC First Rewards on Select Debit Card Transaction Done Between 14-22th June'

Jun 25, 2024

I did some transactions using my IDFC Select DC between 14th-22nd June on these 2 merchants "Sbiunipaydbcard" & "BHARTIAIRTELLTD". But have not received any RPs. Before 14th June, all RPs were credited and on 23rd June I did 3 transactions on "BHARTIAIRTELLTD", today it was credited Successfully. Asked customer care they said to wait for 14 days from the date of the transaction. Also, mentioned that today they came to know a few more customers raised the same concern with them regarding RPs. He mentioned that it will be credited within 14 days if not then they can raise a...

• Anindya98
• debit card idfc idfc bank idfc bank select idfc debit card idfc first bank reward program idfc first bank select debit card reward points
• Replies: 68
• Forum: Bank Account

• 

 

[ManojGowda]

Canara setu + IndusInd DC giving reward points?
Sbiunipay transactions are continously failing for me.

 

[Jhon Anand]

Oh my God yar, it is per financial year.
1k points (250rs) per 50k in a year is 0.005%.
So ur net reward rate is 0.5+0.005=0.505
Don't say upto 1% please its dishonor &. Misleading surely

Bhai aap maths mei kamjor ho thode aur dishonour ki baatein karre😂, calculator hi use karlete aisi baat thi toh

250/50000=0.005, if you convert to % it's 0.5%

 

[mojo_jojo123]

Hi I am trying to pay my axis magnus cc bill of 3l using idfc wealth debit card via sbi unipay but the transaction keeps failing...smaller bill payments of lt 10k worked fine today for axis and hdfc

tried paying smaller amount of 1l using same combo but that too failed

any idea what to do?

I am already having idfc wealth cc , how can I get idfc wealth ac for wealth dc ?

 

[newmakerhere]

I am already having idfc wealth cc , how can I get idfc wealth ac for wealth dc ?

Account me 10L balance rakho aur phir call to RM