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

Which Debit card use for Credit Card bill payment in April 2025:

1) IDFC Debit cards: All IDFC account holder apply 2nd debit card - Add-on IDFC Firstap Sticker RuPay Platinum Debit Card.

You will get same reward points and 10x reward points benefit as per your account variant - Normal/General, Select, Wealth and Private account.

Apply 2nd IDFC Debit card ( primary visa/mastercard card + this add-on RuPay card both will coexist) from IDFC app, under your debit card section.

If you want to understand it better, think of it like this:
  • For an IDFC Normal account – It’s an IDFC Classic/Signature Debit Card, but in the RuPay variant.
  • For an IDFC Select account – It’s an IDFC Select Debit Card, but in the RuPay variant.
  • For an IDFC Wealth account – It’s an IDFC Wealth Debit Card, but in the RuPay variant.
  • For an IDFC Private account – It’s an IDFC Private Debit Card, but in the RuPay variant.

View attachment 84806

IDFC Firstap Sticker RuPay Platinum Debit Card, you will again get welcome bonus (remember - your welcome bonus included in your monthly rewards capping)

2000 welcome reward points on IDFC First normal account using IDFC Firstap Sticker RuPay Platinum Debit Card
4000 welcome reward points on IDFC First Select account using IDFC Firstap Sticker RuPay Platinum Debit Card
8000 welcome reward points on IDFC First Wealth account using IDFC Firstap Sticker RuPay Platinum Debit Card
20,000 welcome reward points on IDFC First Private account using IDFC Firstap Sticker RuPay Platinum Debit Card

Reward system for IDFC First Bank normal account using IDFC Firstap Sticker RuPay Platinum Debit Card -

2000 welcome reward points on IDFC First normal account transaction above Rs. 1000

Online transaction- earn 2 reward points for every Rs. 150 spend
Offline transaction- earn 1 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 150) for every Rs. 150 spent via debit card on incremental spends above Rs. 50,000 in a month.

IDFC First Bank Select account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -

4000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 3 reward points for every Rs. 150 spend
Offline transaction- earn 2 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.

IDFC First Bank Wealth account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -

8000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 4 reward points for every Rs. 150 spend
Offline transaction- earn 3 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.

IDFC First Bank Private account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -

20,000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 6 reward points for every Rs. 150 spend
Offline transaction- earn 4 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.

A monthly reward point accrual capping will be applicable based on user’s program membership. (w.e.f. 1st December 2023)


Type of ProgramMonthly Point Capping
General8,000
Select30,000
Wealth50,000
Private5,00,000
Reward Rate:-

IDFC First Bank Normal Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.33%
Offline- 0.17%
10X category- 1.67%
Incremental spends above Rs. 50,000: Online- 1.67%; Offline- 1.67%

IDFC First Bank Select Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.50%
Offline- 0.33%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%

IDFC First Bank Wealth Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.67%
Offline- 0.50%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%

IDFC First Bank Private Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 1%
Offline- 0.67%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%

With IDFC, Card Variant don't matter but your account variant decides (use IDFC Firstap Sticker RuPay Platinum Debit Card) -


S.No.Account VariantMax. PtsMax. Spend
1.Normal Account8000Rs.1,60,000.00
2.First Select30000Rs. 3,40,000.00
3.First Wealth50000Rs. 5,36,660.00
4.First Private500000Rs. 50,30,000.00

Where to spend ?

Phonepe app - Credit Card bill pay via IDFC Firstap Sticker RuPay Platinum Debit Card without any charges -

MCC 4814, if you get these merchant names only - 👇🏼👇🏼


PHONEPE RECHARGE BANGALORE
PHONEPE RECHARGE
Phonepe recharge
WWWPHONEPECOM Gurgaon
WWWPHONEPECOM
WWWPHONEPE
phonepe banglore
phonepe
Phonepe billpayments

Before moving to another debit card, you might ask why we want to use IDFC RuPay?

Answer:
Because "RuPay hai toh zindagi hai!" – okay, sorry, thora bhabnao me bahe gaya

Real answer: The RuPay variant has no extra charges on the PhonePe app.

Second thing: With Visa/Mastercard, some merchant names are not eligible, but with the RuPay variant, you will always get the eligible merchant names I mentioned above.

Note - Freecharge is also eligible but personally not verified yet with IDFC RuPay and no extra charges on RuPay variant on Freecharge.



2) SBI Debit cards/SBI Virtual Debit Cards:

Okay, first go to the SBI YONO app or SBI Net Banking and apply for the "Virtual RuPay Global Variant" (SBI Virtual Debit Card is Lifetime Free).

SBI Physical RuPay DC - reward value 0.25%
SBI Virtual RuPay DC - reward value 0.50% (0.25% extra is due to virtual bonus)

1 reward pts = 0.25 paisa

For a 50k spend using RuPay virtual DC, you will get 500 (base) + 500 (virtual bonus) + 1000 milestone bonus reward = 1% value

Update - you can do total 5 lakhs spend using SBI Virtual RuPay DC and get monthly 10k rewards capping but milestone benefit i think no limit and no monthly capping and not count on monthly capping.

For rest numbers, do your calculations or refer this thread for more information:

Before moving to another debit card, you might ask why we want to use SBI virtual RuPay ?

Answer:
Because "RuPay hai toh zindagi hai!" – okay, sorry, bhabnao me again bahe gaya.

Real answer: Well, the RuPay variant offers rewards at many places—PhonePe, SBI Unipay, PayZapp, Navi, Paytm, Freecharge, BillDesk etc and also no extra charges on some apps using RuPay variant.

You can even pay your Amex and SCB bank credit card bills through BillDesk using RuPay variant.

If you keep using a Visa/Mastercard on just one website, it will get devalued quickly.

The rest is up to you—it's a free country, do whatever you want. But I'll just say, support Indian RuPay card.


3) Bank of India: Better Rewards on All Debit cards (0.46%)


There is a separate post read here and apply Bank of India RuPay Classic/Platinum/Select variant and use on Phonepe app, freecharge app

Why Bank of India RuPay Classic/Platinum/Select variant ?

Answer:
Because "RuPay hai toh zindagi hai!" – okay, sorry, phir se bhabnao me..

Real answer: The RuPay variant has no extra charges on the PhonePe app and Freecharge app.





4) HDFC Millennia Debit Card:

There is already a separate post about the HDFC Millennia debit card—read it from here:





5) HDFC Platinum Debit Card:

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 -

Updated - This trick is working perfectly -





6) RBL Enterprise Debit Card:

1st use -


Freecharge app CC bill pay - 1% charges and 5% upto 1000 cashback (Pay 20k cc bill)

Merchant name/OTP SMS - accelyst solution
After transaction - FREECHARGE PAYMENT TEC Gurgaon IN

MCC Code - 4900

Note: 1% charge above 1k CC bill pay & i think 2 times per CC bill pay allowed per month (first time use 1k cc bill pay and ask RBL customer care to verify your MCC Code)

View attachment 84813

Now 2nd time Use -

Phonepe app - (well, you can do 5 times 2k cc bill pay and pay only 0.3% charges + 5% upto 500 Cashback)

Merchant name - phonepe recharge

MCC Code - 4814

"PHONEPE RECHARGE BANGALORE IN" gives 4814 MCC. The prob is that merchant name comes very rare.

OTP SMS - PHONEPE RECHARGE
After transaction - PHONEPE RECHARGE BANGALORE IN

View attachment 84814



7) Kotak 811 Super DC:

Just Dial website -

CC BILL >> DC FEES 2.12%

Merchant Name - IN OTP - WWW JUSTDIAL COM

AFTER TXN - JUSTDIAL47820

MCC Code - 7311 (ADVERTISING SERVICES) FEE 2.12%

What ?
Dnt like 2.12% Debit card fee ? Ok, there is another trick here:backhand-index-pointing-down::backhand-index-pointing-down:



Update - Ebixcash currently removed debit card option.

8) RBL Signature+ DC, HDFC Millennia DC, Kotak 811 Super DC -

If you have RBL Enterprise DC then only milestone benefit will count here.

Android users - Use Ebixcash Full KYC Wallet UPI - Here add money MCC Code 5013 or 8999 (both are eligible category)

But remember - daily add money limit is Rs5000 only and no charges for Debit Cards.

New user first time register through Ebixcash website and go to profile and complete Video KYC

Wait few days to your Video kyc approved.

Now download Ebixcash Wallet UPI app (Android only) and use.

Note: Add money through website only and spend money or pay anywhere via Wallet UPI through app only.


All other details, i have a separate post, read here -



Till when and how much % reward points we get while pay through PhonePe using sbi virtual card for credit card bill.
 
Which Debit card use for Credit Card bill payment in April 2025:

1) IDFC Debit cards: All IDFC account holder apply 2nd debit card - Add-on IDFC Firstap Sticker RuPay Platinum Debit Card.

You will get same reward points and 10x reward points benefit as per your account variant - Normal/General, Select, Wealth and Private account.

Apply 2nd IDFC Debit card ( primary visa/mastercard card + this add-on RuPay card both will coexist) from IDFC app, under your debit card section.

If you want to understand it better, think of it like this:
  • For an IDFC Normal account – It’s an IDFC Classic/Signature Debit Card, but in the RuPay variant.
  • For an IDFC Select account – It’s an IDFC Select Debit Card, but in the RuPay variant.
  • For an IDFC Wealth account – It’s an IDFC Wealth Debit Card, but in the RuPay variant.
  • For an IDFC Private account – It’s an IDFC Private Debit Card, but in the RuPay variant.

View attachment 84806

IDFC Firstap Sticker RuPay Platinum Debit Card, you will again get welcome bonus (remember - your welcome bonus included in your monthly rewards capping)

2000 welcome reward points on IDFC First normal account using IDFC Firstap Sticker RuPay Platinum Debit Card
4000 welcome reward points on IDFC First Select account using IDFC Firstap Sticker RuPay Platinum Debit Card
8000 welcome reward points on IDFC First Wealth account using IDFC Firstap Sticker RuPay Platinum Debit Card
20,000 welcome reward points on IDFC First Private account using IDFC Firstap Sticker RuPay Platinum Debit Card

Reward system for IDFC First Bank normal account using IDFC Firstap Sticker RuPay Platinum Debit Card -

2000 welcome reward points on IDFC First normal account transaction above Rs. 1000

Online transaction- earn 2 reward points for every Rs. 150 spend
Offline transaction- earn 1 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 150) for every Rs. 150 spent via debit card on incremental spends above Rs. 50,000 in a month.

IDFC First Bank Select account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -

4000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 3 reward points for every Rs. 150 spend
Offline transaction- earn 2 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.

IDFC First Bank Wealth account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -

8000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 4 reward points for every Rs. 150 spend
Offline transaction- earn 3 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.

IDFC First Bank Private account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -

20,000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 6 reward points for every Rs. 150 spend
Offline transaction- earn 4 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.

A monthly reward point accrual capping will be applicable based on user’s program membership. (w.e.f. 1st December 2023)


Type of ProgramMonthly Point Capping
General8,000
Select30,000
Wealth50,000
Private5,00,000
Reward Rate:-

IDFC First Bank Normal Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.33%
Offline- 0.17%
10X category- 1.67%
Incremental spends above Rs. 50,000: Online- 1.67%; Offline- 1.67%

IDFC First Bank Select Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.50%
Offline- 0.33%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%

IDFC First Bank Wealth Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.67%
Offline- 0.50%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%

IDFC First Bank Private Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 1%
Offline- 0.67%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%

With IDFC, Card Variant don't matter but your account variant decides (use IDFC Firstap Sticker RuPay Platinum Debit Card) -


S.No.Account VariantMax. PtsMax. Spend
1.Normal Account8000Rs.1,60,000.00
2.First Select30000Rs. 3,40,000.00
3.First Wealth50000Rs. 5,36,660.00
4.First Private500000Rs. 50,30,000.00

Where to spend ?

Phonepe app - Credit Card bill pay via IDFC Firstap Sticker RuPay Platinum Debit Card without any charges -

MCC 4814, if you get these merchant names only - 👇🏼👇🏼


PHONEPE RECHARGE BANGALORE
PHONEPE RECHARGE
Phonepe recharge
WWWPHONEPECOM Gurgaon
WWWPHONEPECOM
WWWPHONEPE
phonepe banglore
phonepe
Phonepe billpayments

Before moving to another debit card, you might ask why we want to use IDFC RuPay?

Answer:
Because "RuPay hai toh zindagi hai!" – okay, sorry, thora bhabnao me bahe gaya

Real answer: The RuPay variant has no extra charges on the PhonePe app.

Second thing: With Visa/Mastercard, some merchant names are not eligible, but with the RuPay variant, you will always get the eligible merchant names I mentioned above.

Note - Freecharge is also eligible but personally not verified yet with IDFC RuPay and no extra charges on RuPay variant on Freecharge.



2) SBI Debit cards/SBI Virtual Debit Cards:

Okay, first go to the SBI YONO app or SBI Net Banking and apply for the "Virtual RuPay Global Variant" (SBI Virtual Debit Card is Lifetime Free).

SBI Physical RuPay DC - reward value 0.25%
SBI Virtual RuPay DC - reward value 0.50% (0.25% extra is due to virtual bonus)

1 reward pts = 0.25 paisa

For a 50k spend using RuPay virtual DC, you will get 500 (base) + 500 (virtual bonus) + 1000 milestone bonus reward = 1% value

Update - you can do total 5 lakhs spend using SBI Virtual RuPay DC and get monthly 10k rewards capping but milestone benefit i think no limit and no monthly capping and not count on monthly capping.

For rest numbers, do your calculations or refer this thread for more information:

Before moving to another debit card, you might ask why we want to use SBI virtual RuPay ?

Answer:
Because "RuPay hai toh zindagi hai!" – okay, sorry, bhabnao me again bahe gaya.

Real answer: Well, the RuPay variant offers rewards at many places—PhonePe, SBI Unipay, PayZapp, Navi, Paytm, Freecharge, BillDesk etc and also no extra charges on some apps using RuPay variant.

You can even pay your Amex and SCB bank credit card bills through BillDesk using RuPay variant.

If you keep using a Visa/Mastercard on just one website, it will get devalued quickly.

The rest is up to you—it's a free country, do whatever you want. But I'll just say, support Indian RuPay card.


3) Bank of India: Better Rewards on All Debit cards (0.46%)


There is a separate post read here and apply Bank of India RuPay Classic/Platinum/Select variant and use on Phonepe app, freecharge app

Why Bank of India RuPay Classic/Platinum/Select variant ?

Answer:
Because "RuPay hai toh zindagi hai!" – okay, sorry, phir se bhabnao me..

Real answer: The RuPay variant has no extra charges on the PhonePe app and Freecharge app.





4) HDFC Millennia Debit Card:

There is already a separate post about the HDFC Millennia debit card—read it from here:





5) HDFC Platinum Debit Card:

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 -

Updated - This trick is working perfectly -





6) RBL Enterprise Debit Card:

1st use -


Freecharge app CC bill pay - 1% charges and 5% upto 1000 cashback (Pay 20k cc bill)

Merchant name/OTP SMS - accelyst solution
After transaction - FREECHARGE PAYMENT TEC Gurgaon IN

MCC Code - 4900

Note: 1% charge above 1k CC bill pay & i think 2 times per CC bill pay allowed per month (first time use 1k cc bill pay and ask RBL customer care to verify your MCC Code)

View attachment 84813

Now 2nd time Use -

Phonepe app - (well, you can do 5 times 2k cc bill pay and pay only 0.3% charges + 5% upto 500 Cashback)

Merchant name - phonepe recharge

MCC Code - 4814

"PHONEPE RECHARGE BANGALORE IN" gives 4814 MCC. The prob is that merchant name comes very rare.

OTP SMS - PHONEPE RECHARGE
After transaction - PHONEPE RECHARGE BANGALORE IN

View attachment 84814



7) Kotak 811 Super DC:

Just Dial website -

CC BILL >> DC FEES 2.12%

Merchant Name - IN OTP - WWW JUSTDIAL COM

AFTER TXN - JUSTDIAL47820

MCC Code - 7311 (ADVERTISING SERVICES) FEE 2.12%

What ?
Dnt like 2.12% Debit card fee ? Ok, there is another trick here:backhand-index-pointing-down::backhand-index-pointing-down:



Update - Ebixcash currently removed debit card option.

8) RBL Signature+ DC, HDFC Millennia DC, Kotak 811 Super DC -

If you have RBL Enterprise DC then only milestone benefit will count here.

Android users - Use Ebixcash Full KYC Wallet UPI - Here add money MCC Code 5013 or 8999 (both are eligible category)

But remember - daily add money limit is Rs5000 only and no charges for Debit Cards.

New user first time register through Ebixcash website and go to profile and complete Video KYC

Wait few days to your Video kyc approved.

Now download Ebixcash Wallet UPI app (Android only) and use.

Note: Add money through website only and spend money or pay anywhere via Wallet UPI through app only.


All other details, i have a separate post, read here -



Is there any capping for SBI reward point? Or any expiration time?
 
Till when and how much % reward points we get while pay through PhonePe using sbi virtual card for credit card bill.
sorry, but please try read it and understand, @Abhishek012 has given a detailed info and ur asking him to say the same again great!

if u spend less the 1L it is 0.5%, on 1L it's 1%
points will come to sbi rewards account in 2-3days if not within 7day, milestone(for 1L) in next month.
 
Which Debit card use for Credit Card bill payment in April 2025:

1) IDFC Debit cards: All IDFC account holder apply 2nd debit card - Add-on IDFC Firstap Sticker RuPay Platinum Debit Card.

You will get same reward points and 10x reward points benefit as per your account variant - Normal/General, Select, Wealth and Private account.

Apply 2nd IDFC Debit card ( primary visa/mastercard card + this add-on RuPay card both will coexist) from IDFC app, under your debit card section.

If you want to understand it better, think of it like this:
  • For an IDFC Normal account – It’s an IDFC Classic/Signature Debit Card, but in the RuPay variant.
  • For an IDFC Select account – It’s an IDFC Select Debit Card, but in the RuPay variant.
  • For an IDFC Wealth account – It’s an IDFC Wealth Debit Card, but in the RuPay variant.
  • For an IDFC Private account – It’s an IDFC Private Debit Card, but in the RuPay variant.

View attachment 84806

IDFC Firstap Sticker RuPay Platinum Debit Card, you will again get welcome bonus (remember - your welcome bonus included in your monthly rewards capping)

2000 welcome reward points on IDFC First normal account using IDFC Firstap Sticker RuPay Platinum Debit Card
4000 welcome reward points on IDFC First Select account using IDFC Firstap Sticker RuPay Platinum Debit Card
8000 welcome reward points on IDFC First Wealth account using IDFC Firstap Sticker RuPay Platinum Debit Card
20,000 welcome reward points on IDFC First Private account using IDFC Firstap Sticker RuPay Platinum Debit Card

Reward system for IDFC First Bank normal account using IDFC Firstap Sticker RuPay Platinum Debit Card -

2000 welcome reward points on IDFC First normal account transaction above Rs. 1000

Online transaction- earn 2 reward points for every Rs. 150 spend
Offline transaction- earn 1 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 150) for every Rs. 150 spent via debit card on incremental spends above Rs. 50,000 in a month.

IDFC First Bank Select account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -

4000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 3 reward points for every Rs. 150 spend
Offline transaction- earn 2 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.

IDFC First Bank Wealth account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -

8000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 4 reward points for every Rs. 150 spend
Offline transaction- earn 3 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.

IDFC First Bank Private account reward system using IDFC Firstap Sticker RuPay Platinum Debit Card -

20,000 welcome reward points on first debit card transaction above Rs. 1000
Online transaction- earn 6 reward points for every Rs. 150 spend
Offline transaction- earn 4 reward point for every Rs. 150 spend
10X reward points (10 reward points per Rs. 100) for every Rs. 100 spent via debit card on incremental spends above Rs. 50,000 in a month.

A monthly reward point accrual capping will be applicable based on user’s program membership. (w.e.f. 1st December 2023)


Type of ProgramMonthly Point Capping
General8,000
Select30,000
Wealth50,000
Private5,00,000
Reward Rate:-

IDFC First Bank Normal Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.33%
Offline- 0.17%
10X category- 1.67%
Incremental spends above Rs. 50,000: Online- 1.67%; Offline- 1.67%

IDFC First Bank Select Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.50%
Offline- 0.33%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%

IDFC First Bank Wealth Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 0.67%
Offline- 0.50%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%

IDFC First Bank Private Account using IDFC Firstap Sticker RuPay Platinum Debit Card -
Online- 1%
Offline- 0.67%
10X category- 2.5%
Incremental spends above Rs. 50,000: Online- 2.5%; Offline- 2.5%

With IDFC, Card Variant don't matter but your account variant decides (use IDFC Firstap Sticker RuPay Platinum Debit Card) -


S.No.Account VariantMax. PtsMax. Spend
1.Normal Account8000Rs.1,60,000.00
2.First Select30000Rs. 3,40,000.00
3.First Wealth50000Rs. 5,36,660.00
4.First Private500000Rs. 50,30,000.00

Where to spend ?

Phonepe app - Credit Card bill pay via IDFC Firstap Sticker RuPay Platinum Debit Card without any charges -

MCC 4814, if you get these merchant names only - 👇🏼👇🏼


PHONEPE RECHARGE BANGALORE
PHONEPE RECHARGE
Phonepe recharge
WWWPHONEPECOM Gurgaon
WWWPHONEPECOM
WWWPHONEPE
phonepe banglore
phonepe
Phonepe billpayments

Before moving to another debit card, you might ask why we want to use IDFC RuPay?

Answer:
Because "RuPay hai toh zindagi hai!" – okay, sorry, thora bhabnao me bahe gaya

Real answer: The RuPay variant has no extra charges on the PhonePe app.

Second thing: With Visa/Mastercard, some merchant names are not eligible, but with the RuPay variant, you will always get the eligible merchant names I mentioned above.

Note - Freecharge is also eligible but personally not verified yet with IDFC RuPay and no extra charges on RuPay variant on Freecharge.



2) SBI Debit cards/SBI Virtual Debit Cards:

Okay, first go to the SBI YONO app or SBI Net Banking and apply for the "Virtual RuPay Global Variant" (SBI Virtual Debit Card is Lifetime Free).

SBI Physical RuPay DC - reward value 0.25%
SBI Virtual RuPay DC - reward value 0.50% (0.25% extra is due to virtual bonus)

1 reward pts = 0.25 paisa

For a 50k spend using RuPay virtual DC, you will get 500 (base) + 500 (virtual bonus) + 1000 milestone bonus reward = 1% value

Update - you can do total 5 lakhs spend using SBI Virtual RuPay DC and get monthly 10k rewards capping but milestone benefit i think no limit and no monthly capping and not count on monthly capping.

For rest numbers, do your calculations or refer this thread for more information:

Before moving to another debit card, you might ask why we want to use SBI virtual RuPay ?

Answer:
Because "RuPay hai toh zindagi hai!" – okay, sorry, bhabnao me again bahe gaya.

Real answer: Well, the RuPay variant offers rewards at many places—PhonePe, SBI Unipay, PayZapp, Navi, Paytm, Freecharge, BillDesk etc and also no extra charges on some apps using RuPay variant.

You can even pay your Amex and SCB bank credit card bills through BillDesk using RuPay variant.

If you keep using a Visa/Mastercard on just one website, it will get devalued quickly.

The rest is up to you—it's a free country, do whatever you want. But I'll just say, support Indian RuPay card.


3) Bank of India: Better Rewards on All Debit cards (0.46%)


There is a separate post read here and apply Bank of India RuPay Classic/Platinum/Select variant and use on Phonepe app, freecharge app

Why Bank of India RuPay Classic/Platinum/Select variant ?

Answer:
Because "RuPay hai toh zindagi hai!" – okay, sorry, phir se bhabnao me..

Real answer: The RuPay variant has no extra charges on the PhonePe app and Freecharge app.





4) HDFC Millennia Debit Card:

There is already a separate post about the HDFC Millennia debit card—read it from here:





5) HDFC Platinum Debit Card:

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 -

Updated - This trick is working perfectly -





6) RBL Enterprise Debit Card:

1st use -


Freecharge app CC bill pay - 1% charges and 5% upto 1000 cashback (Pay 20k cc bill)

Merchant name/OTP SMS - accelyst solution
After transaction - FREECHARGE PAYMENT TEC Gurgaon IN

MCC Code - 4900

Note: 1% charge above 1k CC bill pay & i think 2 times per CC bill pay allowed per month (first time use 1k cc bill pay and ask RBL customer care to verify your MCC Code)

View attachment 84813

Now 2nd time Use -

Phonepe app - (well, you can do 5 times 2k cc bill pay and pay only 0.3% charges + 5% upto 500 Cashback)

Merchant name - phonepe recharge

MCC Code - 4814

"PHONEPE RECHARGE BANGALORE IN" gives 4814 MCC. The prob is that merchant name comes very rare.

OTP SMS - PHONEPE RECHARGE
After transaction - PHONEPE RECHARGE BANGALORE IN

View attachment 84814



7) Kotak 811 Super DC:

Just Dial website -

CC BILL >> DC FEES 2.12%

Merchant Name - IN OTP - WWW JUSTDIAL COM

AFTER TXN - JUSTDIAL47820

MCC Code - 7311 (ADVERTISING SERVICES) FEE 2.12%

What ?
Dnt like 2.12% Debit card fee ? Ok, there is another trick here:backhand-index-pointing-down::backhand-index-pointing-down:



Update - Ebixcash currently removed debit card option.

8) RBL Signature+ DC, HDFC Millennia DC, Kotak 811 Super DC -

If you have RBL Enterprise DC then only milestone benefit will count here.

Android users - Use Ebixcash Full KYC Wallet UPI - Here add money MCC Code 5013 or 8999 (both are eligible category)

But remember - daily add money limit is Rs5000 only and no charges for Debit Cards.

New user first time register through Ebixcash website and go to profile and complete Video KYC

Wait few days to your Video kyc approved.

Now download Ebixcash Wallet UPI app (Android only) and use.

Note: Add money through website only and spend money or pay anywhere via Wallet UPI through app only.


All other details, i have a separate post, read here -



I need to pay the credit card bill of 7 lacs how I can pay for more savings.
SBI virtual card or anything else?
 
So, they have missed the transaction and I need to raise a request after 14 days. Can you check the category it is mapped under?
You will get ur RPs
Its under utility MCC 4900 which fetch reward points on idfc dc.
Check if you have reached maximum rps for the month , which is different for different banking programme like select, wealth, private.
I hope you got your answer
 
I'm getting 1 reward point for rs.100 on sbi VDC. Which is 0.25%
Can anyone give any additional details?
Read this thread, you will find most of your answers, btw it's 2 points for 200 spends. If you calculate it 100/1 you will make huge blunders in calculation as it gets tricky in the end.

 
Read this thread, you will find most of your answers, btw it's 2 points for 200 spends. If you calculate it 100/1 you will make huge blunders in calculation as it gets tricky in the end.

i dont think it would be a huge blunder, just will loose just for the last 100 if it is a odd number.
e.g1 For Rs 23700 - if you calculate 1RP/100, you think you will get 237 RP,
if you calculate as 2RP/200, you will get 236 RP.
e.g2 :
For Rs 43600 - if you calculate 1RP/100, you think you will get 436 RP,
if you calculate as 2RP/200, you will get 436 RP.

It is not blunder, max 1 RP difference
 
i dont think it would be a huge blunder, just will loose just for the last 100 if it is a odd number.
e.g1 For Rs 23700 - if you calculate 1RP/100, you think you will get 237 RP,
if you calculate as 2RP/200, you will get 236 RP.
e.g2 :
For Rs 43600 - if you calculate 1RP/100, you think you will get 436 RP,
if you calculate as 2RP/200, you will get 436 RP.

It is not blunder, max 1 RP difference
What I meant by blunder was in the context of campaigns, not everyday credit card bills. There are better options to pay your credit card bills than using SBI. If you are calculating rewards for campaigns assuming 1 point per ₹100 spent, chances are you won't be able to maximize your rewards.

yaa even the question was lol,so
but s bouns points come aday late sometimes for sbi vdc
No, you didn’t get the point. He is saying he earns 1 point for every ₹100 spent, which is the simplest way to put it.

But in reality, it’s 2 points for every ₹200 spent on PDC and 4 points for every ₹200 spent on VDC. Since the points are clubbed together, he won’t get that extra 1 later on lol.
 
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