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Which Debit Card to use for Credit Card Bill Payment in February & March 2025
- Thread starter Abhishek012
- Start date
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- Tags
- credit card debit card hdfc kotak rbl rupay sbi upi visa wallet
- Status
ankit ojha
TF Premier
I don’t think so, cc bill payment is not a violation of fair use policy ! If you did too much high value transaction , then bank will report to IT Dept or rbi, atleast they can do that
Rohakishan
TF Neo
I have a new IDFC Select Debit Card (Mastercard variant) and a FirstTap card. I received welcome points for the FirstTap card, but I’d like to know where I can make a transaction of more than ₹1,000 with my IDFC Select Debit Card(mastercard variant) to earn welcome points. Any suggestions @Abhishek012 ?
Last edited:
have applied for firstap sticker card, so even doing cc payment above 1000 with this sticker card on PhonePe will make me eligible for 8000 welcome points right?
Yes bro.
You will also get reward points + 10x rewards on cc bill pay via phonepe app using firstap card.
It is under maintenance till 24 March. Try on 25 March. Received notification from bank.
also is there any limit for cc payment till which it is free to pay with firstap card ?
There is no charges using firstap RuPay debit card.
Rewards capping (read my main post everything explained) -
With IDFC, Card Variant don't matter but your account variant decides (use IDFC Firstap Sticker RuPay Platinum Debit Card) -
| S.No. | Account Variant | Max. Pts | Max. Spend |
| 1. | Normal Account | 8000 | Rs.1,60,000.00 |
| 2. | First Select | 30000 | Rs. 3,40,000.00 |
| 3. | First Wealth | 50000 | Rs. 5,36,660.00 |
| 4. | First Private | 500000 | Rs. 50,30,000.00 |
Rohakishan
TF Neo
can plz someone help me here?
Buy something on Amazon if you can.
I am about to open an IDFC savings account online . I dont see a debit card option there . This card mentioned can be the only 2nd one , is it ?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.
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)
Reward Rate:-
Type of Program Monthly Point Capping General 8,000 Select 30,000 Wealth 50,000 Private 5,00,000
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 Variant Max. Pts Max. Spend 1. Normal Account 8000 Rs.1,60,000.00 2. First Select 30000 Rs. 3,40,000.00 3. First Wealth 50000 Rs. 5,36,660.00 4. First Private 500000 Rs. 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
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 -
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
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 -
PS - I have IDFC First Credit card
You can apply firstap card later from IDFC app, under debit card section.
This is your 2nd add-on debit card.
the milestone on 50k on SBI Rupay virtual debit card is 1 transaction or 50k can be spread over multiple transactions over the month ?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.
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)
Reward Rate:-
Type of Program Monthly Point Capping General 8,000 Select 30,000 Wealth 50,000 Private 5,00,000
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 Variant Max. Pts Max. Spend 1. Normal Account 8000 Rs.1,60,000.00 2. First Select 30000 Rs. 3,40,000.00 3. First Wealth 50000 Rs. 5,36,660.00 4. First Private 500000 Rs. 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
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 -
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
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 -
It’s up now.
Pachiboy
TF Buzz
Over the year both single and cumulative spends eligible.
The 1000 bonus milestone is once a year or once a month ? Are you sure about this ?
the_collector
TF Premier
Every 1 lakh you get the milestone bonus. It's calculated over the course of a year.
The max amount of spends you can earn per month is 10k. With a cap of 1000 points per transaction
Go through this link:
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