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

[Hope]

Could someone help me with SBI VDC? Any txn amount limit or can pay any amount like 1L directly? Also as per post its 50k milestone but rewardz showing 1L for milestone, is it 50k for VDC?

VDC max limit is 50k/d
Yes its 50k for vdc.

 

[Abhishek012]

Could someone help me with SBI VDC? Any txn amount limit or can pay any amount like 1L directly? Also as per post its 50k milestone but rewardz showing 1L for milestone, is it 50k for VDC?

Daily 50k limit and milestone benefit every 50k spent.

Apply SBI Virtual RuPay debit card and pay cc bill via phonepe app, paytm app, freecharge app without any extra charges on RuPay.

Amex and SCB bank cc bill also supported via billdesk using RuPay variant.

Virtual visa user block card and apply virtual RuPay debit card

Of course you will get reward points too on all these websites/apps.

Amex - https://www.billdesk.com/pgidsk/pgmerc/amexcard/amex_card.jsp

SCB - https://pgi.billdesk.com/pgidsk/pgmerc/standardchartered/scb_card.jsp

Axis (Axis RuPay CC user choose mastercard option and proceed) - https://pgi.billdesk.com/pgidsk/pgmerc/axiscard/axis_card.jsp

SBI Card - https://pgi.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp

SBM bank - https://pay.billdesk.com/cardnet-instapay/sbmcard

yes bank - https://pgi.billdesk.com/pgidsk/pgmerc/ybkcard/YBKCARDDetails.jsp

phonepe app - https://play.google.com/store/apps/details?id=com.phonepe.app&hl=en_IN

freecharge app - https://play.google.com/store/apps/details?id=com.freecharge.android&hl=en_IN

paytm app - https://play.google.com/store/apps/details?id=net.one97.paytm&hl=en_IN

 

[qf037x42v]

@Abhishek012 Is there any limit other than 50k/day?

As per this, the capping seems to be at a transaction level rather than per day. There's also a 10000 reward cap/month. which is 5 lakh pm?

SBI Rewardz | India's Most Rewarding Loyalty Program for SBI - State Bank Group Debit Card Customers

rewardz.sbi

 

[Vishal Gupta]

Daily 50k limit and milestone benefit every 50k spent.

Apply SBI Virtual RuPay debit card and pay cc bill via phonepe app, paytm app, freecharge app, phonepe app without any extra charges on RuPay.

Amex and SCB bank cc bill also supported via billdesk using RuPay variant.

Virtual visa user block card and apply virtual RuPay debit card

Of course you will get reward points too on all these websites/apps.

Amex - https://www.billdesk.com/pgidsk/pgmerc/amexcard/amex_card.jsp

SCB - https://pgi.billdesk.com/pgidsk/pgmerc/standardchartered/scb_card.jsp

Axis (Axis RuPay CC user choose mastercard option and proceed) - https://pgi.billdesk.com/pgidsk/pgmerc/axiscard/axis_card.jsp

SBI Card - https://pgi.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp

SBM bank - https://pay.billdesk.com/cardnet-instapay/sbmcard

yes bank - https://pgi.billdesk.com/pgidsk/pgmerc/ybkcard/YBKCARDDetails.jsp

phonepe app - https://play.google.com/store/apps/details?id=com.phonepe.app&hl=en_IN

freecharge app - https://play.google.com/store/apps/details?id=com.freecharge.android&hl=en_IN

paytm app - https://play.google.com/store/apps/details?id=net.one97.paytm&hl=en_IN

What about SBI VDC on SBI Unipay website? It will also give rewards right?

 

[Credit_Cards]

Lol. IndusInd bank for you. Got points for transactions done on 13th Feb using Select Visa debit card.

Is financial year ka hisaab kitaab nipta rahe hai

 

[Credit_Cards]

What about SBI VDC on SBI Unipay website? It will also give rewards right?

Check MCC if its within rewarding MCC but as per SBI customer care no reward points for useage on sbi unipay

 

[mojo_jojo123]

is idfc rupay still giving reward for phone pe .. did many transaction few days back but got very less reward points .. not able to check which transaction got and which didn't got

 

[Sidd09]

my sbi virtual debit card has been blocked stating due to fraudulent transactions, i have tried to make credit bill payments of 4-5 and suddenly it got blocked, what to do now ? how to get it unblocked ? no options in sbi yono app

Same happened with me when I tried to buy gift cards or add cash to wallet. They called me to confirm the transactions, but still blocked the card. And I couldn't call them using Airtel (I think it need talktime balance). Jio worked fine, but my registered number was Airtel. Couldn't get my card unblocked so just cancelled it. Had to wait 15 days to reapply for it.
Lesson learnt: Don't experiment with SBI.

 

[Strange]

Indusind telling no rewards for paytm mobi and airtel sales transaction its select card

From which email id did you receive this email?

 

[the_collector]

Check MCC if its within rewarding MCC but as per SBI customer care no reward points for useage on sbi unipay

Wait really? I thought unipay gives points for sbi vdc transactions?

 

[mojo_jojo123]

any way to pay amex cc bill and get cashback / reward ?

 

[Abhishek012]

is idfc rupay still giving reward for phone pe .. did many transaction few days back but got very less reward points .. not able to check which transaction got and which didn't got

Yes eligible, go ahead.

 

[Abhishek012]

any way to pay amex cc bill and get cashback / reward ?

Apply SBI Virtual RuPay debit card and pay cc bill via phonepe app, paytm app, freecharge app, phonepe app without any extra charges on RuPay.

Amex and SCB bank cc bill also supported via billdesk using RuPay variant.

Virtual visa user block card and apply virtual RuPay debit card

Of course you will get reward points too on all these websites/apps.

Amex -

AMERICAN EXPRESS CardNet

SCB -

Standard Chartered Bank CardNet

Axis (Axis RuPay CC user choose mastercard option and proceed) - https://pgi.billdesk.com/pgidsk/pgmerc/axiscard/axis_card.jsp

SBI Card - https://pgi.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp

SBM bank - https://pay.billdesk.com/cardnet-instapay/sbmcard

yes bank - https://pgi.billdesk.com/pgidsk/pgmerc/ybkcard/YBKCARDDetails.jsp

phonepe app - https://play.google.com/store/apps/details?id=com.phonepe.app&hl=en_IN

freecharge app - https://play.google.com/store/apps/details?id=com.freecharge.android&hl=en_IN

paytm app - https://play.google.com/store/apps/details?id=net.one97.paytm&hl=en_IN

 

[Credit_Cards]

Wait really? I thought unipay gives points for sbi vdc transactions?

ask customer care you will get same reply

 

[the_collector]

ask customer care you will get same reply

Cc will obviously not tell you it fetches points.

@Abhishek012 , can you confirm if sbi vdc fetches points on unipay?

 

[Abhishek012]

Lol. IndusInd bank for you. Got points for transactions done on 13th Feb using Select Visa debit card.

I didn't receive for the transactions done on 11th March yet.

Indusind DC give rewards on MCC Code - 6012 right ?

Use Navi app using IndusInd bank Visa DC and wait 2 months.

 

[Strange]

right

N O .

 

[Rakshitk99]

Cc will obviously not tell you it fetches points.

@Abhishek012 , can you confirm if sbi vdc fetches points on unipay?

It does give points. I always use sbi unipay portal over phone pe and freecharge as mcc of theirs may change however unipay remains same.

 

[Credit_Cards]

It does give points. I always use sbi unipay portal over phone pe and freecharge as mcc of theirs may change however unipay remains same.

for sbi vdc ? what about HDFC and IDFC debit cards ?

 

[Rakshitk99]

for sbi vdc ? what about HDFC and IDFC debit cards ?

Only sbi cards are allowed in unipay portal I am referring to using sbi vdc in unipay. For hdfc esp card auto bill payment through smart pay is only option available. Idfc ones can be used in phone pe and freecharge and other platform but I don't have it so not tried.