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Which Debit Card to use for Credit Card Bill Payment in February & March 2025

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what is the reward rate percent for credit card bill payments done using IDFC first tap debit card using phonepe? I am currently holding an SBI vdc and using the same in unipay. I am just curious if IDFC reward rate is better(not accounting for welcome points)
 
csakthikumar said:
what is the reward rate percent for credit card bill payments done using IDFC first tap debit card using phonepe? I am currently holding an SBI vdc and using the same in unipay. I am just curious if IDFC reward rate is better(not accounting for welcome points)
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My FirsTap card was setup yesterday and I'm unable to make transactions for more than 10K or about for some reason. Also, when I pay CC using PhonePe the description says "POS-RUPAY/PhonePe Recharge/" and it comes the allocated limit for offline transactions (as against online). IDFC Customer Care is clueless.
Any experts can provide some insights into these issues specially the ones who might have faced same or similar issues.
 
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neo13 said:
I have the visa variant. Can I get the MC variant too?

Payzapp seems to be working for MC Variant?
Click to expand...
Yes you can call cc and ask for MC select/exclusive variant, generally they would issue without a fuss but if they deny then tell them you will close the visa variant after receiving physical mc variant and still if they deny then hang up and call again

Some say payzapp works for MC variant and some say it doesnt, personally have not recieved points some 5 months back so have not tried again
 
Prem03 said:
Jise rewards mil rahe hai uske liye to theek hai Paytm but just thinking jo TF pe nahi hai kya vo bhi use karte hai CC payment ke liye Paytm charges pay kar ke :hehe:
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Jo TF pe nahi hai wo direct UPI se pay karte honge na, unke liye debit card sirf ATM se paise nikalne ke liye use aata hoga
 
Just to clarify , how to accrue points for Amex CC bill payments.

Have around 3L bills to pay for Amex Plat travel. Don't see an option via Unipay or phonepe , so I believe 1% or above is out of question.

what would be the best way or reward rate via Sbi Rupay DC or the other cards via other modes.
 
pranavk said:
Just to clarify , how to accrue points for Amex CC bill payments.

Have around 3L bills to pay for Amex Plat travel. Don't see an option via Unipay or phonepe , so I believe 1% or above is out of question.

what would be the best way or reward rate via Sbi Rupay DC or the other cards via other modes.
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Use sbi rupay vdc + amex billdesk , reward rate will be 0.25% dc rewards + 0.25% vdc bonus+ 0.5% milestone bonus every 50k paid = it equals 1% ,as sbi rewardz capped at Rs 2500/- pm exclusive of milestone bonus. Use one sbi vdc to pay upto 5L in month above 5L will not accrue rewards on same dc in same month. Also keep in mind daily limit for vdc is 50k

edit: as @Abhishek012 said milestone bonus doesn't get counted in calculation of monthly capping edited my post.
 
Last edited:
Abhishek012 said:
Which Debit card use for Credit Card bill payment in Feb & March 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.

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

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

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.

D

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

Hola TFians,

Today I came across Bank of India Debit card rewards which are much better compared to other bank's debit card and shared the same in Profile Post. Although as compared with premium cards but still better for those who don't have costly DCs with them.

Key Points:
1. Rewards Applicable on all kind of payment i.e online/offline incl. CC Bill Pay.​
​
2. Rewards Earning is as follows: Spending (in multiples of 100): ​
​
Rs. 100-5000: 1 Reward Point per 100.​
Rs...​
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4) HDFC Millennia Debit Card:

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

A

Thread 'HDFC User - Best Debit Card for 2025 | Which Debit Card to Apply in February 2025 | Discussion'

HDFC User - Best Debit Card for 2025 | Which debit card to apply in February 2025:

Ok boyz and beautiful galz

For the past 2-3 weeks, I have been receiving countless messages asking where to use the HDFC Platinum debit card ?

So look, guys I have one good news and one bad news.

The bad news is that the HDFC Platinum debit card is almost useless now.

Actually, there are still some places where you can use it to get 1% rewards cashback.

For example, if you have an Airtel Payments Bank account, you can load money using the HDFC Platinum Visa Variant Debit Card and earn 1% cashback...
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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 -
Dobbiee

Thread '1% Cashback returns on HDFC Platinum Debit Card'

My experience of getting 1% cashback on HDFC Platinum debit card.

Dec 23 - Opened Savings Max Account and got 'Visa Platinum Debit Card'. Started getting 1% cashback (upto Rs 750) on making payment of ICICI credit card through Bill Pay on HDFC platform. In around 6 months time it stopped automatically.

Nov 24 - Changed the account type to Speciale Gold and also converted to Classic Banking (on request). Placed order for new Platinum Debit Card with hope to get word Classic mentioned it. But again got the same variant 'Visa Platinum Debit Card'. Anyways, again started getting...
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6) RBL Enterprise Debit Card:

Note - RBL Enterprise DC for milestone benefit, read my 8th point.

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:


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 -

A

Thread '(CC option is back | DC available for RBL Signature+ DC) Ebixcash Wallet UPI launched + 5% SBI Cashback credit card'

(CC option is back | DC available for RBL Signature+ DC) Ebixcash Wallet UPI launched + 5% SBI Cashback credit card:
Update - Use RBL Signature+ Debit card to load money on Ebixcash wallet UPI and enjoy 2% cashback and Free transfer to bank.

Kotak 811 Super DC - 5% Cashback upto 500

HDFC Millennia DC - 2.5% upto 400 cashback

Daily load money limit is Rs5000. No extra charges for Debit Card load and free transfer or spend via Ebixcash Wallet UPI app.

Note - (Use full kyc account, full kyc account working -...
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Click to expand...
Great info.

What about IndusInd signature debit card? Where can we use this debit card to earn rewards. Any idea?
 
What happen if IDFC debit card transaction failed? Reward points already credited for failed transaction. Will they consider new transaction for reward point in addition to failed transaction or they reverse reward point for failed transaction and recalculate monthly quota for reward point for subsequent transaction?
 
sam4 said:
What happen if IDFC debit card transaction failed? Reward points already credited for failed transaction. Will they consider new transaction for reward point in addition to failed transaction or they reverse reward point for failed transaction and recalculate monthly quota for reward point for subsequent transaction?
Click to expand...
yes for both you should get cc, happened once with me only so it 50/50 chance you will get both and point won't get reversed,
 
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