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(post updated) Which Debit Card to use for Credit Card Bill Payment in April 2025

Does IDFC reverse reward points for transactions reversals?

In the case of debit cards. I got FREECHUTIL in the app, amount was debited and rp credited but transactions failed.

I tried in the website, same merchant name. Transaction was successful
 
You can find your answers in the debit card section: https://rewardz.sbi/content/overview
I'm thinking of opening sbi insta savings account via yono app and get ready for next month bill payments. Any cautions to take?

How many days I have to wait to apply for VDC after account opening?

Can I use the rewardz points to pay for Mobile postpaid or Broadband bills or just prepaid mobile numbers? I assume we cannot convert it into account cash credit.
 
I'm thinking of opening sbi insta savings account via yono app and get ready for next month bill payments. Any cautions to take?
I would say open account offline instead of online. Caution is try to not use too much sbi VDC for initial months, they will flag it out and disable it. There are many threads on TF, new accounts are more prone to it.

How many days I have to wait to apply for VDC after account opening?
After getting your physical debit card / cheque book. You can generate it next day. If you wish, you can close debit card from internet banking itself, but let it deliver first.

Can I use the rewardz points to pay for Mobile postpaid or Broadband bills or just prepaid mobile numbers? I assume we cannot convert it into account cash credit.
Yes, you can use them for recharges or anything and no, you can't convert it.
 
@Abhishek012 , Should I use IDFC Firstap for Credit Card Bill using PhonePe?

I'm a IDFC Select Customer.

This month credit card bill 2L. Shall I get 2.5% cashback?
No, PhonePe is not crediting RPs.
@Anindya98 , I think you're IDFC customer. Are you using this way to get rewards?
I am earning reward points using Freecharge, but it’s a bit hit or miss—most points are credited instantly. However, out of all my transactions, I haven’t received points for three, all showing the merchant name 'FREECHUTIL'.
 
Now even after saved Rbl Edc, I am not getting accelyst solutions merchant name for paying cc bill. Always getting Freecharge Payment Techno whose MCC is 6012 which I confirmed by calling Rbl after I did a test txn. PFA the ss also. After multiple tries, I switched to Adani gas bill for getting desired merchany name & voila, got it at first attempt itself. Now It seems Edc ka waqt khatam samjho.
 

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How to get FREECHUTIL merchant name ?

Ans - People having saved cards details in the freecharge app will get FREECHUTIL

IF YOU WILL TYPE MANUALLY AND DO GATEWAY WILL CHANGE MCC VERIFIED

so, just do Rs10 or Rs100 transaction and save your card on freecharge.


@iamgroot
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@BeginnerCC
@Credit_Cards
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@honey_jpr
@parasf
Tried this to save the card, but even after 2 hours the card is not coming in saved methods.
 
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