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

[Beyond]

You will get reward within 24hrs. Freecharge is eligible for idfc rewards using IDFC Firstap RuPay DC.

Don’t listen to anyone, just do a small transaction of ₹300 and check for yourself within 24 hours.

some people even misinform for their own profit, Always trust yourself.

@Beyond

Perhaps you wanted to tag someone else?

 

[Dr.Johnny]

Can someone confirm if im using my normal visa idfc dc to spend 50k and then my firstap sticked to pay cc bills will i get 10x on firstap transaction or i need to spend 50k separately in firstap also pls tell is there any exclusion for mcc in idfc debit card rewards because I can not able to find a proper t&c for this regard......

Both cards spendings are calculated as one account transaction, so you can spend using any of your cards (normal Visa or firsttap).
And yes there are exclusions as well

 

[Infinite]

@Abhishek012

Thank you for all your efforts

Is the following summary correct for DC RP for CC bill payments?

RBL SPDC - Axis Netbanking for Axis CC (FREECHUTIL)

IDFC FirstTap - Freecharge (FREECHUTIL)

SBI VDC - multiple

No other debit card qualifies for RP

 

[saymyname]

My heartfelt thanks to @Abhishek012 for curating these offers and for replying to everyone so patiently. I just reached the monthly cap on rewards on my IDFC FirstTap card. Normally, my bills aren't this huge, but I recently did an international trip + advance tax payments, so optimizing all bill payments was great. My first few payments were on PhonePe, and then I shifted to Freecharge.

I still have about Rs. 1.5L payments left that I plan to do next month - hopefully Freecharge + IDFC FirstTap is still working till then. 🤞🏼

 

[vipin89]

So we still get rewards on paying CC bills with IDFC First Tap Rupay debit card ?
The payment gateway shows -
PhonepayprivatelimitedBengalur

Please confirm ?

 

[alpha2betaa]

So we still get rewards on paying CC bills with IDFC First Tap Rupay debit card ?
The payment gateway shows -
PhonepayprivatelimitedBengalur

Please confirm ?

Nopes, not getting now....

 

[alpha2betaa]

I am getting this error while adding my IDFC FTDC on Freecharge and hence cant proceed further, it says contact customer support. have raised a ticket...lets c

While adding, 1 Rs gets deducted after OTP page and rewards also getting added, but when trying to pay the bill, it shows error....

Any work around ??

 

[vipin89]

Nopes, not getting now....

Shit I did 1 lac transaction this morning, without visiting this page. Bad luck.
Any other alternatives working now ?

 

[alpha2betaa]

Shit I did 1 lac transaction this morning, without visiting this page. Bad luck.
Any other alternatives working now ?

Freecharge + IDFC Rupay First Tap DC

 

[darkknight999]

If people keep paying 1 lakh+ bills like for dc reward points like this, no wonder exclusions are happening so fast.. atleast use sensibly for the reward points offer to last a little longer guys🙆 u guys are just effecting who pay smaller bills before even utilised offer properly...this over greed is why devaluations are happening so fast every other day

 

[VikasBhindwar]

Freecharge is not reliable. 4000 ka bill payment successfully ho gaya lekin abhi tak card mein receive nahi hua hai.

Jabki IDFC bbps par hai. Freecharge Customer Care mein reachable nahi hai.

 

[Credit_Cards]

Freecharge is not reliable. 4000 ka bill payment successfully ho gaya lekin abhi tak card mein receive nahi hua hai.

Jabki IDFC bbps par hai. Freecharge Customer Care mein reachable nahi hai.

Freecharge bhi BBPS hi hoga

 

[Abhishek012]

So we still get rewards on paying CC bills with IDFC First Tap Rupay debit card ?
The payment gateway shows -
PhonepayprivatelimitedBengalur

Please confirm ?

No, now use Freecharge app or website to pay cc bill via IDFC Firstap RuPay DC. No extra charges on RuPay.

merchant name -

FREECHARGEPAYMENTTECHNO

or

FREECHUTIL

View attachment 93017

I am getting this error while adding my IDFC FTDC on Freecharge and hence cant proceed further, it says contact customer support. have raised a ticket...lets c

While adding, 1 Rs gets deducted after OTP page and rewards also getting added, but when trying to pay the bill, it shows error....

Any work around ??

Ya today server overloaded.

Saved card working or use freecharge web.

website working - https://www.freecharge.in/credit-cards

 

[Abhishek012]

Freecharge is not reliable. 4000 ka bill payment successfully ho gaya lekin abhi tak card mein receive nahi hua hai.

Jabki IDFC bbps par hai. Freecharge Customer Care mein reachable nahi hai.

Wait 2-3 days. refund aayega ya credit ho jayega.

Aaj server overload ho gaya hai. Bahut log use kar rahe hai freecharge.

 

[Abhishek012]

Kotak 811 Super DC & HSBC Salary DC (1.18% charges but 5% cashback)

Note - personally mcc code not verified yet. Do small trxn & check (try with any other bank debit card and ask MCC Code).

New app for credit card bill, points tracking and bill payment.

https://savesage.co/wwTKoVEFHSb

Debit card charges: 1.18% , MCC - 7392 (SAVESAGE SOLUTIONS PRI...)

Card to use: Kotak 811 super dc, hsbc salary dc

 

[helloworld]

Kotak 811 Super DC & HSBC Salary DC (1.18% charges but 5% cashback)

Note - personally mcc code not verified yet. Do small trxn & check (try with any other bank debit card and ask MCC Code).

New app for credit card bill, points tracking and bill payment.

https://savesage.co/wwTKoVEFHSb

Debit card charges: 1.18% , MCC - 7392 (SAVESAGE SOLUTIONS PRI...)

Card to use: Kotak 811 super dc, hsbc salary dc

does it need mandatory sms and save card?

 

[Abhishek012]

does it need mandatory sms and save card?

Only last 4 digit card number saved on BBPS. No need to enter full card number.

 

[helloworld]

Only last 4 digit card number saved on BBPS. No need to enter full card number.

for using the app

 

[insanhuinsan]

No, now use Freecharge app or website to pay cc bill via IDFC Firstap RuPay DC. No extra charges on RuPay.

merchant name -

FREECHARGEPAYMENTTECHNO

or

FREECHUTIL


Ya today server overloaded.

Saved card working or use freecharge web.

website working - https://www.freecharge.in/credit-cards

How much time does it takes to reflect the amount i did on axis app via sbi debit card option paid more than bill amount the amount is deducted but not reflecting in card @Anindya98 @Abhishek012

 

[s1t2y3a3m6]

How much time does it takes to reflect the amount i did on axis app via sbi debit card option paid more than bill amount the amount is deducted but not reflecting in card @Anindya98 @Abhishek012

I n s tant