Which Debit Card to use for Credit Card Bill Payment in (November 2025):
Before we start, let me make this clear: IDFC debit card’s tricks/benefits are almost finished and it will be devalued from next month, so ignore the IDFC debit card and let’s talk about other banks debit cards here, OK?
1) Ebixcash trick, eligible debit cards list -
Note - Ebixcash has two tricks -
1) First trick Debit card list -
RBL Enterprise Debit Card (5% upto 1000 Cashback + Milestone benefit)
RBL Signature+ Debit Card (2% Cashback - 1% default cashback + 1% milestone benefit, Rs5000 extra cashback if 5 lakhs+ annual transaction)
HSBC Salary Debit Card (5% cashback)
Old HDFC Platinum Debit Card (New variant is not eligible) - Flat 1% upto 750 cashback
HDFC Millennia Debit Card - 2.5% upto 400 cashback
Indusind Visa signature/mastercard world Debit Card (approx 0.93% cashback)
Kotak 811 Super Debit Card - Not verified but if eligible then 5% upto 500 cashback
Update- Jupiter Debit card - 1% upto 150 cashback per month working on Ebixcash too.
2) 2nd trick Debit Card list -
RBL Enterprise Debit Card (5% upto 1000 Cashback)
HSBC Salary Debit Card (5% Cashback)
RBL Signature+ Debit Card (2% Cashback - 1% default cashback + 1% milestone benefit, Rs5000 extra cashback if 5 lakhs+ annual transaction)
Kotak 811 Super Debit Card - Not verified but if eligible then 5% upto 500 cashback
How to use First trick -
Load Money to Ebixcash wallet - MCC code - 4900 (Utility) - 1% Charges and now generate FREE Virtual/Physical Ebixcash GPR Card, Load money to full kyc Payzapp wallet using Virtual/Physical Ebixcash GPR Card (No extra loading charges) and you will also get 1% cashback on Ebixcash wallet for Ebixcash GPR Card spend. 1% Cashback credited next month and no capping.
Effectively, 0% charges because you will get 1% cashback on Ebixcash GPR Card spend and Enjoy your Debit card reward/cashback. Payzapp full kyc wallet to bank transfer is Free, you will also get Wallet UPI on Payzapp.
UPDATED: New Update for full kyc Payzapp wallet/Payzapp Wallet UPI users, after load via Ebixcash Card -
Well, if you guys don’t like after loading your EbixCash card to Payzapp wallet and then transferring it to the bank, try this method to pay your credit card bill instead —
Open a mobile browser in desktop mode (or use a desktop/laptop) and visit the Axis Setu website (Update: another site - rediff pay added, you can pay via UPI Intent transaction too).
Under the credit card bill payment option, generate a UPI QR code and then use another device to scan and pay via Payzapp Wallet UPI.
Payzapp Wallet UPI spent limit is also 2 lakhs monthly.
Axis Setu - https://billpay.setu.co/1356078477467452930
Another Update: Some IOS users dnt get Payzapp Wallet UPI option to pay.
IOS/Android user can also try here to pay credit card bill via Payzapp Wallet UPI -
Reddif pay - https://pay.rediff.com/webapp/
How to use 2nd trick Debit Card -
This trick is only for Android user, first signup through Ebixcash website and complete full kyc, once full kyc approved. Download Ebixcash Bhim UPI app and Use Ebixcash Wallet UPI to Free bank transfer or Credit Card bill pay via any 3rd party apps like Paytm, Bajaj, Mobikwik, Zavo etc (choose Ebixcash wallet UPI option and pay CC bill).
Here loading charges 1% and no cashback on Wallet UPI spend. So, you will lose 1% here but if your Debit card rewards/cashback is more than 1% then you will get extra benefit.
Now all step by step Ebixcash Wallet signup through website only, full kyc, generate FREE Virtual/Physical Ebixcash GPR Card or Ebixcash Bhim UPI app link here, visit the link and read -
2) Cred app -
Get Debit Card option only on Rs50,001+ Credit Card bill payment.
Well, some people told they got MCC Code - 7322 (Collection agency), if Visa debit card merchant name - Dreamplug paytech sol
I think the merchant name come up only for Visa debit card users.
Please verify merchant name and mcc code with bank, before pay big amount.
IndusInd Visa Signature Debit Card (approx 0.93% cashback),
RBL Signature+ Debit Card - 2% cashback (please verify merchant name - Dreamplug paytech sol & mcc code with bank)
RBL Enterprise Debit Card - Only for Milestone benefit (please verify merchant name - Dreamplug paytech sol & mcc code with bank).
Updated - One guy was saying that he got rewards on his IndusInd Mastercard debit card also through the Cred app. His merchant name showed as: CREDCCBILLPAYMENT MUMBAI 000IN (Please verify it IndusInd Mastercard is not yet confirmed)
3) Goodscore app -
link - https://play.google.com/store/apps/details?id=com.rupicard.score&hl=en_IN
IOS - https://apps.apple.com/in/app/goodscore-credit-score-app/id6654923902
Note - The app's biggest drawback is that the Debit Card option appears only for credit card bill payments of over ₹2 lakhs. It will work only if your CC bill is ₹2 lakhs+. (Edited: Now many people got Debit Card option on 1 lakh+ CC bill payment too)
Which debit card to use -
I can see benefits here with only 5 debit cards: the RBL Enterprise Debit Card (Only for Milestone benefit) and the RBL Signature+ Debit Card (2% cashback). Update: Indusind Visa Signature, Indusind Mastercard world and Axis burgundy debit card also working on goodscore app.
The MCC code here keeps changing — last time it was MCC Code - 7322.
The Goodscore app also charges a monthly ₹99 fee. Pay it through UPI AutoPay and then immediately go to your UPI app settings and cancel the AutoPay subscription.
4) Axis app/Axis net banking >> debit card option for Axis cc bill pay only
I can see benefits here with only 2 debit cards: the RBL Enterprise Debit Card (Only for Milestone benefit) and the RBL Signature+ Debit Card (2% cashback).
MCC Code - 6300
5) HDFC Millennia Debit Card -
There is already a separate post about the HDFC Millennia debit card—read it from here:
6) Old HDFC Platinum Debit Card (New variant is not eligible) - Flat 1% upto 750 cashback -
Well, this card is almost dead now, but someone just shared a trick. Read it and try it if you want and first read first few pages comments too -
7) Vi app or Vi website -
Vi website for all non-Vi users (all users) - https://www.myvi.in/utilities
Vi app only for Vi user
Here, Visa/Mastercard debit cards have a 1% charge, while RuPay debit cards have zero charges.
MCC Code – 4900 (Utility category).
I can see benefits here with only 2 debit cards: the RBL Enterprise Debit Card (5% upto 1000 cashback on Utility) and the RBL Signature+ Debit Card (2% cashback if milestone benefit count but remember 1% extra charges on VI app/website).
8) Bank of India: Better Rewards on All RuPay debit cards (0.50% to 1%) (Updated - BOI RuPay Select Debit card Now offer 0.75% to 1% Reward cashback) -
Updated post Now 0.75% to 1% or more for Credit Card Bill payment using BOI RuPay Select Debit Card, visit the first link here:
Old post about BOI Classic/Platinum Debit Card (BOI RuPay Select Debit Card user, please visit BOI RuPay Select Debit card details link) -
There is a separate post read here and apply Bank of India RuPay Classic/Platinum/Select variant and use on billdesk website, zavo app, VI app or Vi website (VI website is for non-VI users), Paytm app, Freecharge app, Phonepe app, Canara Setu etc and no extra charges on RuPay.
Note – The post has a bit of incomplete information. If you make your first transaction of ₹10,001+ every month, then all your subsequent transactions of any amount will earn double reward points until the next month. The total value of this benefit will be 0.50%. Visit here for more info -
Before we start, let me make this clear: IDFC debit card’s tricks/benefits are almost finished and it will be devalued from next month, so ignore the IDFC debit card and let’s talk about other banks debit cards here, OK?
1) Ebixcash trick, eligible debit cards list -
Note - Ebixcash has two tricks -
- The first trick works on both Android and iPhone but it requires a fully KYC-verified PayZapp wallet. This trick is also eligible for most banks debit cards — I’ve listed those banks debit card here.
- The second trick is for Ebixcash Android users only. It benefits only very few specific debit cards.
1) First trick Debit card list -
RBL Enterprise Debit Card (5% upto 1000 Cashback + Milestone benefit)
RBL Signature+ Debit Card (2% Cashback - 1% default cashback + 1% milestone benefit, Rs5000 extra cashback if 5 lakhs+ annual transaction)
HSBC Salary Debit Card (5% cashback)
Old HDFC Platinum Debit Card (New variant is not eligible) - Flat 1% upto 750 cashback
HDFC Millennia Debit Card - 2.5% upto 400 cashback
Indusind Visa signature/mastercard world Debit Card (approx 0.93% cashback)
Kotak 811 Super Debit Card - Not verified but if eligible then 5% upto 500 cashback
Update- Jupiter Debit card - 1% upto 150 cashback per month working on Ebixcash too.
2) 2nd trick Debit Card list -
RBL Enterprise Debit Card (5% upto 1000 Cashback)
HSBC Salary Debit Card (5% Cashback)
RBL Signature+ Debit Card (2% Cashback - 1% default cashback + 1% milestone benefit, Rs5000 extra cashback if 5 lakhs+ annual transaction)
Kotak 811 Super Debit Card - Not verified but if eligible then 5% upto 500 cashback
How to use First trick -
Load Money to Ebixcash wallet - MCC code - 4900 (Utility) - 1% Charges and now generate FREE Virtual/Physical Ebixcash GPR Card, Load money to full kyc Payzapp wallet using Virtual/Physical Ebixcash GPR Card (No extra loading charges) and you will also get 1% cashback on Ebixcash wallet for Ebixcash GPR Card spend. 1% Cashback credited next month and no capping.
Effectively, 0% charges because you will get 1% cashback on Ebixcash GPR Card spend and Enjoy your Debit card reward/cashback. Payzapp full kyc wallet to bank transfer is Free, you will also get Wallet UPI on Payzapp.
UPDATED: New Update for full kyc Payzapp wallet/Payzapp Wallet UPI users, after load via Ebixcash Card -
Well, if you guys don’t like after loading your EbixCash card to Payzapp wallet and then transferring it to the bank, try this method to pay your credit card bill instead —
Open a mobile browser in desktop mode (or use a desktop/laptop) and visit the Axis Setu website (Update: another site - rediff pay added, you can pay via UPI Intent transaction too).
Under the credit card bill payment option, generate a UPI QR code and then use another device to scan and pay via Payzapp Wallet UPI.
Payzapp Wallet UPI spent limit is also 2 lakhs monthly.
Axis Setu - https://billpay.setu.co/1356078477467452930
Another Update: Some IOS users dnt get Payzapp Wallet UPI option to pay.
IOS/Android user can also try here to pay credit card bill via Payzapp Wallet UPI -
Reddif pay - https://pay.rediff.com/webapp/
How to use 2nd trick Debit Card -
This trick is only for Android user, first signup through Ebixcash website and complete full kyc, once full kyc approved. Download Ebixcash Bhim UPI app and Use Ebixcash Wallet UPI to Free bank transfer or Credit Card bill pay via any 3rd party apps like Paytm, Bajaj, Mobikwik, Zavo etc (choose Ebixcash wallet UPI option and pay CC bill).
Here loading charges 1% and no cashback on Wallet UPI spend. So, you will lose 1% here but if your Debit card rewards/cashback is more than 1% then you will get extra benefit.
Now all step by step Ebixcash Wallet signup through website only, full kyc, generate FREE Virtual/Physical Ebixcash GPR Card or Ebixcash Bhim UPI app link here, visit the link and read -
2) Cred app -
Get Debit Card option only on Rs50,001+ Credit Card bill payment.
Well, some people told they got MCC Code - 7322 (Collection agency), if Visa debit card merchant name - Dreamplug paytech sol
I think the merchant name come up only for Visa debit card users.
Please verify merchant name and mcc code with bank, before pay big amount.
IndusInd Visa Signature Debit Card (approx 0.93% cashback),
RBL Signature+ Debit Card - 2% cashback (please verify merchant name - Dreamplug paytech sol & mcc code with bank)
RBL Enterprise Debit Card - Only for Milestone benefit (please verify merchant name - Dreamplug paytech sol & mcc code with bank).
Updated - One guy was saying that he got rewards on his IndusInd Mastercard debit card also through the Cred app. His merchant name showed as: CREDCCBILLPAYMENT MUMBAI 000IN (Please verify it IndusInd Mastercard is not yet confirmed)
3) Goodscore app -
link - https://play.google.com/store/apps/details?id=com.rupicard.score&hl=en_IN
IOS - https://apps.apple.com/in/app/goodscore-credit-score-app/id6654923902
Note - The app's biggest drawback is that the Debit Card option appears only for credit card bill payments of over ₹2 lakhs. It will work only if your CC bill is ₹2 lakhs+. (Edited: Now many people got Debit Card option on 1 lakh+ CC bill payment too)
Which debit card to use -
I can see benefits here with only 5 debit cards: the RBL Enterprise Debit Card (Only for Milestone benefit) and the RBL Signature+ Debit Card (2% cashback). Update: Indusind Visa Signature, Indusind Mastercard world and Axis burgundy debit card also working on goodscore app.
The MCC code here keeps changing — last time it was MCC Code - 7322.
The Goodscore app also charges a monthly ₹99 fee. Pay it through UPI AutoPay and then immediately go to your UPI app settings and cancel the AutoPay subscription.
4) Axis app/Axis net banking >> debit card option for Axis cc bill pay only
I can see benefits here with only 2 debit cards: the RBL Enterprise Debit Card (Only for Milestone benefit) and the RBL Signature+ Debit Card (2% cashback).
MCC Code - 6300
5) HDFC Millennia Debit Card -
There is already a separate post about the HDFC Millennia debit card—read it from here:
6) Old HDFC Platinum Debit Card (New variant is not eligible) - Flat 1% upto 750 cashback -
Well, this card is almost dead now, but someone just shared a trick. Read it and try it if you want and first read first few pages comments too -
7) Vi app or Vi website -
Vi website for all non-Vi users (all users) - https://www.myvi.in/utilities
Vi app only for Vi user
Here, Visa/Mastercard debit cards have a 1% charge, while RuPay debit cards have zero charges.
MCC Code – 4900 (Utility category).
I can see benefits here with only 2 debit cards: the RBL Enterprise Debit Card (5% upto 1000 cashback on Utility) and the RBL Signature+ Debit Card (2% cashback if milestone benefit count but remember 1% extra charges on VI app/website).
8) Bank of India: Better Rewards on All RuPay debit cards (0.50% to 1%) (Updated - BOI RuPay Select Debit card Now offer 0.75% to 1% Reward cashback) -
Updated post Now 0.75% to 1% or more for Credit Card Bill payment using BOI RuPay Select Debit Card, visit the first link here:
Old post about BOI Classic/Platinum Debit Card (BOI RuPay Select Debit Card user, please visit BOI RuPay Select Debit card details link) -
There is a separate post read here and apply Bank of India RuPay Classic/Platinum/Select variant and use on billdesk website, zavo app, VI app or Vi website (VI website is for non-VI users), Paytm app, Freecharge app, Phonepe app, Canara Setu etc and no extra charges on RuPay.
Note – The post has a bit of incomplete information. If you make your first transaction of ₹10,001+ every month, then all your subsequent transactions of any amount will earn double reward points until the next month. The total value of this benefit will be 0.50%. Visit here for more info -
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