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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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- credit card debit card hdfc kotak rbl rupay sbi upi visa wallet
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India is already blessed 💯.
Rest, reward points theory is different for everyone.
6ix9ine
TF Legend
@Abhishek012 fixed 1st post for SBI to avoid confusions, baki RuPay add kardiya har jagah
Abhishek012
TF Pioneer
6ix9ine
TF Legend
Milestone is 100K, but due to virtual bonus it becomes half for virtual debit card
If you use physical DC, then it's 100K
goriavikas
TF Buzz
Check attached ss earlier used to get 2000 points per 1lakh spend
Attachments
6ix9ine
TF Legend
This is for 2 milestone, not single. You are awarded 2000 points for hitting 2L milestone (1L spend if virtual DC)
SBI does not credit milestone individually, you have to do basic maths from your end.
6ix9ine
TF Legend
Mai mostly ignore hi marta hu bhai but jab dekhta hu ki kuch bhi likh rhe log pta nhi kaise karlete hai txns bina kuch jane 😂mast khoon chusvaya jaa raha hai.. sbi vdc ko lekar
sbrewingcompany
TF Buzz
In February and March 2025, consider using the IDFC Firstap Sticker RuPay Platinum Debit Card for credit card bill payments. It offers welcome reward points and ongoing benefits based on your account type. You can apply for this add-on card through the IDFC app.
alpha2betaa
TF Select
Used RBL Enterprise Debit Card on Freecharge as mentioned and paid cc bill of 20k with 240 rs convenience fees (1.2%)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)
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
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 -
Asked customer service executive about the mcc. It's 4900 👍
Will get 3.8% instead of 5% which is better than none...
Itna bold mein likhne ki jarurat nehi hay.
U forgot to mention Rs. 2000 + 360 (GST) annual fees, higher than all. It will take atleast four months to recover the cost of the card. Effective rate is 2.8% upto 560 monthly. Issuance charge 7500+ GST.
Devaluation rate is higher than recovery rate.
On the other hand IDFC DC are free. It can get u upto 7500 /month for select account. Effective rate above 2.0%.
Again devaluation risk is looming.
Last edited:
sambitpatro
TF Premier
Just an observation.... Using idfc visa dc the reward points used to get credited by 2 days but now 4 days have passed reward points for firstap dc are still not credited. In some post it says 20 days lagta he. Y this bhedbhav with rupay and visa by idfc.... Commander npci ko tweet maro... Rupay ka prachar badhao aur thoda
raghav_mri
TF Buzz
Does getting Kotak PVR DC worth it for CC bill payments? If so what platform to use?
alpha2betaa
TF Select
Arre bro..
That bold was not intentional...copy Kiya original text se card name isiliye continue hua..
I have taken this debit card in October...so before annual charges come in Oct '25, I have to use the card anyways...
I have IDFC Wealth DC aswell...using that too..
Due to SBI unipay blocking oth3r DC I could not use this DC in Feb until this post mentioned Freecharge wala thing..
6ix9ine
TF Legend
Yes, correct. If you talk about milestone alone then credit amount would be 2K at 1L spend using VDC.
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