Which Debit Card to use for Credit Card Bill Payment in April 2025

[Anindya98]

IDFC still giving 4k points for 1k spends using select dc even after getting 2k points via normal account after upgrading?

Y e s

 

[Anil_SinghAnil_Singh is verified member.]

IDFC now changed t&c

only one time welcome rewards (no matter which dc you used).

New customers - apply firstap RuPay dc and use on phonepe app cc bill pay and get welcome rewards. (you still get 2k, 4k, 8k and 20k welcome rewards on firstap RuPay card, if you dnt use your primary dc).

transaction rewards and 10x reward is eligible on firstap RuPay dc.

Y e s

ye to kuch aur bol rahe hai na?

 

[Anindya98]

ye to kuch aur bol rahe hai na?

You will only get only once for the Select Visa DC and previously for Rupay Firstap also they gave points.

 

[Anil_SinghAnil_Singh is verified member.]

You will only get one for the Select Visa DC and previously for Rupay Firstap also they gave points.

Maine 3-4 days pehle 25k mab wala account khulwaya hai. An SR for upgrading this account to select has already been raised on last Friday. Agar main ab 1st 1k transaction karunga to 2k points to milenge hi, my doubt is, select account me upgrade hone ke baad select wale dc se 1st 1k transaction par bhi 4k points milenge? Commander bol rahe only one time welcome points.

 

[Anindya98]

Maine 3-4 days pehle 25k mab wala account khulwaya hai. An SR for upgrading this account to select has already been raised on last Friday. Agar main ab 1st 1k transaction karunga to 2k points to milenge hi, my doubt is,

Milenga 2K points

select account me upgrade hone ke baad select wale dc se 1st 1k transaction par bhi 4k points milenge?

Yes, 4K for Select

Commander bol rahe only one time welcome points.

AFAIK every new variant of DC will earn WB once.
Normal - 2K -> Upgrade to Select 4K -> Upgrade to Wealth 8K
@Abhishek012 and @Sobirvs can confirm this.

 

[Aniruddha s]

HELP!! - I made a transaction of 30k to Amex via bill desk on 11th via SBI VDC still I have not received the points for !! Already 3 days are done . This is the first time SBI has not credited the points in 2 days . Should I wait or contact customer care on email for this?

 

[sid16]

HELP!! - I made a transaction of 30k to Amex via bill desk on 11th via SBI VDC still I have not received the points for !! Already 3 days are done . This is the first time SBI has not credited the points in 2 days . Should I wait or contact customer care on email for this?

Either you can do that or you can focus on something more important and check again after 10 days.

 

[RichieRich]

HELP!! - I made a transaction of 30k to Amex via bill desk on 11th via SBI VDC still I have not received the points for !! Already 3 days are done . This is the first time SBI has not credited the points in 2 days . Should I wait or contact customer care on email for this?

Bhai wait karlo.. bank holidays thi

 

[H4CK_H0PP3R]

IDFC firstTap 1L max capping is for daily or transaction wise? I did 1L cc bill payment & wanted to do more 11k for same biller & due date is today only so can't wait for next day.

 

[ankitvm]

@Abhishek012 , others

I've been using my SBI VDC Rupay for 2 months now for CC billpayment, mostly on Unipay but twice on freecharge (as Unipay had some amount glitch)
Haven't received any rewards as of now.
How long is the usual wait?

I got this card in January.

Thanks for your time

I also have an SBI VDC and I mailed them. They replied:

Greetings from SBI Rewardz.

With reference to your email, we would like to inform you that it will take 45 working days to update the Rewardz points for the new debit c
ard."

 

[RichieRich]

IDFC firstTap 1L max capping is for daily or transaction wise? I did 1L cc bill payment & wanted to do more 11k for same biller & due date is today only so can't wait for next day.

Daily.. you need to wait for 24 hours

 

[H4CK_H0PP3R]

Daily.. you need to wait for 24 hours

Ouuchh..SBI VDC then .. hopefully it still works on unipay as of today.

 

[Abhishek012]

Ouuchh..SBI VDC then .. hopefully it still works on unipay as of today.

Apply SBI Virtual RuPay debit card and pay cc bill via phonepe app, paytm app, sbi unipay, freecharge app, billdesk website without any extra charges on RuPay.

Amex and SCB bank cc bill also supported via billdesk using RuPay variant.

Virtual visa user block card and apply virtual RuPay debit card

Of course you will get reward points too on all these websites/apps.

Amex - https://www.billdesk.com/pgidsk/pgmerc/amexcard/amex_card.jsp

SCB - https://pgi.billdesk.com/pgidsk/pgmerc/standardchartered/scb_card.jsp

Axis (Axis RuPay CC user choose mastercard option and proceed) - https://pgi.billdesk.com/pgidsk/pgmerc/axiscard/axis_card.jsp

SBI Card - https://pgi.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp

SBM bank - https://pay.billdesk.com/cardnet-instapay/sbmcard

yes bank - https://pgi.billdesk.com/pgidsk/pgmerc/ybkcard/YBKCARDDetails.jsp

phonepe app - https://play.google.com/store/apps/details?id=com.phonepe.app&hl=en_IN

freecharge app - https://play.google.com/store/apps/details?id=com.freecharge.android&hl=en_IN

paytm app - https://play.google.com/store/apps/details?id=net.one97.paytm&hl=en_IN

 

[Abhishek012]

HELP!! - I made a transaction of 30k to Amex via bill desk on 11th via SBI VDC still I have not received the points for !! Already 3 days are done . This is the first time SBI has not credited the points in 2 days . Should I wait or contact customer care on email for this?

Yeh lo patience ki goli khao -

 

[Abhishek012]

Milenga 2K points

Yes, 4K for Select

AFAIK every new variant of DC will earn WB once.
Normal - 2K -> Upgrade to Select 4K -> Upgrade to Wealth 8K
@Abhishek012 and @Sobirvs can confirm this.

Yes but now only 1 time you will get welcome rewards on everytime account upgrade.

Normal - 2K - using Firstap RuPay DC (no need to use primary visa/mastercard)

Upgrade to Select 4K - re-apply and use again new Firstap RuPay DC (add-on debit card) for your select debit card (no need to use primary visa/mastercard)

Upgrade to Wealth 8K - re-apply and use again new Firstap RuPay DC (add-on debit card) for your Wealth debit card (no need to use primary visa/mastercard)

Upgrade to Private 8K - re-apply and use again new Firstap RuPay DC (add-on debit card) for your Private debit card (no need to use primary visa/mastercard)

@Anil_Singh one time welcome points mai bata raha tha ki per account variant milega. Pahele kya tha multiple debit card pe mil jate the same account variant me. agar tum account upgrade karoge toh yes again one time welcome rewards milega.

@Sobirvs

 

[Slayer]

Yeh lo patience ki goli khao -

Clonazepam deke sula do

 

[HiddenGems]

100% correct
I am following this only
But in SBI VDC u will get milestone benefits also for 50k spend consider this also

In SBI rewardz page there is no mention of 50k milestone rewards.
It says
“

• Milestone Bonus: Earn 1000 Reward Points on every 1 lakh spent online or in-store on your Debit Card in the financial year.”

Is there any RP for 50k milestone- is it specific to calendar month? How much points do we get ?

Is there any milestone RP after 50k ?

Thanks in advance..

 

[6ix9ine]

In SBI rewardz page there is no mention of 50k milestone rewards.
It says
“

• Milestone Bonus: Earn 1000 Reward Points on every 1 lakh spent online or in-store on your Debit Card in the financial year.”

This is for physical DC. People use VDC as its free and gives better rewards than physical DC.

Is there any RP for 50k milestone- is it specific to calendar month? How much points do we get ?

Read first page of this thread.

Is there any milestone RP after 50k ?

Yes, every time you hit 50K, but you should have a patience of upto 120 days as it can easily take that much time.

 

[sj18]

Hi @Everybody , @Abhishek012 : I have HSBC visa debit card. I want to pay cc bill using HSBC Debit card...which platform can i use to get cashback on cc bill payments.

 

[abhimittal007]

For me, payments via IDFC first tap on Phonepe is giving inconsistent outcomes. For phonepe recharge or phonepe as merchants, the points were credited immediately(today morning) however a third payment with a merchant name "phone pvt ltd", no points were credited. It's now become a hassle to track each & every transaction for rewards and the later on open a ticket.