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

[akjha78]

I have to pay hdfc cc bill of 2.5 lakhs but I dont want to wait for the bill to be generated as it might take a hit om cibil for high utilisation.
Now I know I can use payzapp or hdfc billdesk to do early payment but is there any way to use the idfc firsttap dc for early payment and also get rewards? Phonepay says no bill due 🙁

Any other ideas to pay this huge bill and get some rewards?
I have idfc firsttap and rbl signature+ dc

 

[Abhishek012]

I have to pay hdfc cc bill of 2.5 lakhs but I dont want to wait for the bill to be generated as it might take a hit om cibil for high utilisation.
Now I know I can use payzapp or hdfc billdesk to do early payment but is there any way to use the idfc firsttap dc for early payment and also get rewards? Phonepay says no bill due 🙁

Any other ideas to pay this huge bill and get some rewards?
I have idfc firsttap and rbl signature+ dc

Try once freecharge app but i think you will get same no bill due msg.

freecharge also eligible using IDFC firstap RuPay DC and no extra charges.

merchant name- freechutil

 

[akjha78]

Try once freecharge app but i think you will get same no bill due msg.

freecharge also eligible using IDFC firstap RuPay DC and no extra charges.

merchant name- freechutil

Thanks will try.
By the way, this phonepay/freecharge mcc should work with rbl Sig+ card as well right?

 

[Abhishek012]

Thanks will try.
By the way, this phonepay/freecharge mcc should work with rbl Sig+ card as well right?

Phonepe app - no guarantee.

Freecharge app - 1%+GST on visa/mastercard. So no use for RBL Signature+ DC. Only Firstap RuPay Variant no extra charges.

 

[drdaga]

so sbi vdc gives 1% right ?
aand max we can earn 10k points per month right ??
so max we can do is 2,50,000 / month right ??
correct me if i am doing some calculations wrong

 

[drdaga]

so idfc 5.36L and sbi vdc 2.5L max we can pay
so 5.36+2.5=7.86L/month

 

[BhaiyaJi]

so sbi vdc gives 1% right ?
aand max we can earn 10k points per month right ??
so max we can do is 2,50,000 / month right ??
correct me if i am doing some calculations wrong

Sahi pakde hai

 

[BhaiyaJi]

so idfc 5.36L and sbi vdc 2.5L max we can pay
so 5.36+2.5=7.86L/month

IDFC private card nahi hai ?
RBL Sig+ ?

 

[drdaga]

nahi hai na the idfc private
they were asking for 1 cr investment for private ac 😂😂

 

[2025]

I had to pay my credit card bill,
and today I opened the ...

Lag raha hay "blaze" ne "..." k khilaaf defamation case file Kiya hoga. Toh wo darr gea. Anyways good for us.

 

[amazon_fan]

I had to pay my credit card bill,
and today I opened the Airtel app for just check out and entered my credit card details n clicked on pay,
Surprisingly debit card option was shown there.

My bill was 95000 so I paid it using HDFC ESP card. I know the maximum cashback is 750.

But I did not want to go back and make changes in the bill amount, bcoz I did not want to make any mistake this time, so I paid the entire billing amount using HDFC debit card.

When I tried again, the debit card option is not coming up.

There was some technical glitch.

The merchant name is showing BHARTI AIRTEL LTD.

Finger cross for cashback 🤞

OMG !!, is airtel planning to bring back debit card ? is it visible for everyone ? I tried many times before (not today), debit card was not showing.

 

[pranavk]

so sbi vdc gives 1% right ?
aand max we can earn 10k points per month right ??
so max we can do is 2,50,000 / month right ??
correct me if i am doing some calculations wrong

A

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

Mar 5, 2025

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 use one sbi vdc to pay upto 2.5L in month above 2.5L will not accrue rewards on same dc use any other family members account to pay remaining amount. Also keep in mind daily limit for vdc is 50k

you can pay above 2.5 lakhs and get reward points too.

monthly capping is 10k reward points and milestone benefit is not count. So pay full 5 lakhs bill (50k per day transaction limit).

@pranavk

• Abhishek012

• 
• 

I had a similar query , turns out via SBI VDC , it is upto 5L per month.

This was @Abhishek012 's input.

 

[Abhishek012]

so sbi vdc gives 1% right ?
aand max we can earn 10k points per month right ??
so max we can do is 2,50,000 / month right ??
correct me if i am doing some calculations wrong

Max 5 lakhs spent to get 10k rewards on SBI Virtual RuPay DC

Milestone benefit i think no limit and no monthly capping and not count on monthly capping.

 

[drdaga]

Max 5 lakhs spent to get 10k rewards on SBI Virtual RuPay DC

Milestone benefit i think no limit and no monthly capping and not count on monthly capping.

so 5L will incur 10k rewards and + 10k milestone right (as vdc have 2x)??

so net will 20k points on 5L
and each point value is 0.25 so 1% net reward right ?

 

[yogobit]

Will paying via canara bank rupay platinum debit card earn points?

 

[BhaiyaJi]

Will paying via canara bank rupay platinum debit card earn points?

Which rupay platinum? IDFC wont give any reward points Not sure of SBI VDC

 

[yogobit]

Which rupay platinum? IDFC wont give any reward points Not sure of SBI VDC

Which rupay platinum? IDFC wont give any reward points Not sure of SBI VDC

Canara bank platinum on phonepe app

 

[marvel]

In IDFC, I had 30,000 redeemable points, but after their system update, I only have 27,000. Should I wait, and how long does it typically take for the points to be redeemable?

 

[BhaiyaJi]

In IDFC, I had 30,000 redeemable points, but after their system update, I only have 27,000. Should I wait, and how long does it typically take for the points to be redeemable?

!4 days from the day of credit

 

[ash1812singh]

so 5L will incur 10k rewards and + 10k milestone right (as vdc have 2x)??

so net will 20k points on 5L
and each point value is 0.25 so 1% net reward right ?

Yes correct calculations