Which Debit Card to use for Credit Card Bill Payment in (September 2025):
Before we start, let me make this clear: IDFC debit card’s tricks/benefits are almost finished and it will be devalued from next month, so ignore the IDFC debit card and let’s talk about other banks debit cards here, OK?
1) Ebixcash trick, eligible debit cards list -
Note - Ebixcash has two tricks -
1) First trick Debit card list -
RBL Enterprise Debit Card (5% upto 1000 Cashback + Milestone benefit)
RBL Signature+ Debit Card (2% Cashback - 1% default cashback + 1% milestone benefit, Rs5000 extra cashback if 5 lakhs+ annual transaction)
HSBC Salary Debit Card (5% cashback)
Old HDFC Platinum Debit Card (New variant is not eligible) - Flat 1% upto 750 cashback
HDFC Millennia Debit Card - 2.5% upto 400 cashback
Indusind Visa signature/mastercard world Debit Card (approx 0.93% cashback)
Kotak 811 Super Debit Card - not verified yet on Ebixcash but if eligible then 5% upto 500 cashback
2) 2nd trick Debit Card list -
RBL Enterprise Debit Card (5% upto 1000 Cashback)
HSBC Salary Debit Card (5% Cashback)
RBL Signature+ Debit Card (2% Cashback - 1% default cashback + 1% milestone benefit, Rs5000 extra cashback if 5 lakhs+ annual transaction)
Kotak 811 Super Debit Card - not verified yet on Ebixcash but if eligible then 5% upto 500 cashback
How to use First trick -
Load Money to Ebixcash wallet - MCC code - 4900 (Utility) - 1% Charges and now generate FREE Virtual/Physical Ebixcash GPR Card, Load money to full kyc Payzapp wallet using Virtual/Physical Ebixcash GPR Card (No extra loading charges) and you will also get 1% cashback on Ebixcash wallet for Ebixcash GPR Card spend. 1% Cashback credited next month and no capping.
Effectively, 0% charges because you will get 1% cashback on Ebixcash GPR Card spend and Enjoy your Debit card reward/cashback. Payzapp full kyc wallet to bank transfer is Free, you will also get Wallet UPI on Payzapp.
How to use 2nd trick Debit Card -
This trick is only for Android user, first signup through Ebixcash website and complete full kyc, once full kyc approved. Download Ebixcash Bhim UPI app and Use Ebixcash Wallet UPI to Free bank transfer or Credit Card bill pay via any 3rd party apps like Paytm, Bajaj, Mobikwik, Zavo etc (choose Ebixcash wallet UPI option and pay CC bill).
Here loading charges 1% and no cashback on Wallet UPI spend. So, you will lose 1% here but if your Debit card rewards/cashback is more than 1% then you will get extra benefit.
Now all step by step Ebixcash Wallet signup through website only, full kyc, generate FREE Virtual/Physical Ebixcash GPR Card or Ebixcash Bhim UPI app link here, visit the link and read -
2) Goodscore app -
link - https://play.google.com/store/apps/details?id=com.rupicard.score&hl=en_IN
IOS - https://apps.apple.com/in/app/goodscore-credit-score-app/id6654923902
Note - The app's biggest drawback is that the Debit Card option appears only for credit card bill payments of over ₹2 lakhs. It will work only if your CC bill is ₹2 lakhs+.
Which debit card to use -
I can see benefits here with only 2 debit cards: the RBL Enterprise Debit Card (Only for Milestone benefit) and the RBL Signature+ Debit Card (2% cashback).
The MCC code here keeps changing — last time it was MCC Code - 7322.
The Goodscore app also charges a monthly ₹99 fee. Pay it through UPI AutoPay and then immediately go to your UPI app settings and cancel the AutoPay subscription.
3) HDFC Millennia Debit Card -
There is already a separate post about the HDFC Millennia debit card—read it from here:
4) Old HDFC Platinum Debit Card (New variant is not eligible) - Flat 1% upto 750 cashback -
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 -
5) Vi app or Vi website -
Vi website for all non-Vi users (all users) - https://www.myvi.in/utilities
Vi app only for Vi user
Here, Visa/Mastercard debit cards have a 1% charge, while RuPay debit cards have zero charges.
MCC Code – 4900 (Utility category).
I can see benefits here with only 2 debit cards: the RBL Enterprise Debit Card (5% upto 1000 cashback on Utility) and the RBL Signature+ Debit Card (2% cashback if milestone benefit count but remember 1% extra charges on VI app/website).
6) Bank of India: Better Rewards on All RuPay debit cards (0.50%) -
There is a separate post read here and apply Bank of India RuPay Classic/Platinum/Select variant and use on billdesk website, zavo app etc and no extra charges on RuPay.
Note – The post has a bit of incomplete information. If you make your first transaction of ₹10,001+ every month, then all your subsequent transactions of any amount will earn double reward points until the next month. The total value of this benefit will be 0.50%. Visit here for more info -
Before we start, let me make this clear: IDFC debit card’s tricks/benefits are almost finished and it will be devalued from next month, so ignore the IDFC debit card and let’s talk about other banks debit cards here, OK?
1) Ebixcash trick, eligible debit cards list -
Note - Ebixcash has two tricks -
- The first trick works on both Android and iPhone but it requires a fully KYC-verified PayZapp wallet. This trick is also eligible for most banks debit cards — I’ve listed those banks debit card here.
- The second trick is for Ebixcash Android users only. It benefits only very few specific debit cards.
1) First trick Debit card list -
RBL Enterprise Debit Card (5% upto 1000 Cashback + Milestone benefit)
RBL Signature+ Debit Card (2% Cashback - 1% default cashback + 1% milestone benefit, Rs5000 extra cashback if 5 lakhs+ annual transaction)
HSBC Salary Debit Card (5% cashback)
Old HDFC Platinum Debit Card (New variant is not eligible) - Flat 1% upto 750 cashback
HDFC Millennia Debit Card - 2.5% upto 400 cashback
Indusind Visa signature/mastercard world Debit Card (approx 0.93% cashback)
Kotak 811 Super Debit Card - not verified yet on Ebixcash but if eligible then 5% upto 500 cashback
2) 2nd trick Debit Card list -
RBL Enterprise Debit Card (5% upto 1000 Cashback)
HSBC Salary Debit Card (5% Cashback)
RBL Signature+ Debit Card (2% Cashback - 1% default cashback + 1% milestone benefit, Rs5000 extra cashback if 5 lakhs+ annual transaction)
Kotak 811 Super Debit Card - not verified yet on Ebixcash but if eligible then 5% upto 500 cashback
How to use First trick -
Load Money to Ebixcash wallet - MCC code - 4900 (Utility) - 1% Charges and now generate FREE Virtual/Physical Ebixcash GPR Card, Load money to full kyc Payzapp wallet using Virtual/Physical Ebixcash GPR Card (No extra loading charges) and you will also get 1% cashback on Ebixcash wallet for Ebixcash GPR Card spend. 1% Cashback credited next month and no capping.
Effectively, 0% charges because you will get 1% cashback on Ebixcash GPR Card spend and Enjoy your Debit card reward/cashback. Payzapp full kyc wallet to bank transfer is Free, you will also get Wallet UPI on Payzapp.
How to use 2nd trick Debit Card -
This trick is only for Android user, first signup through Ebixcash website and complete full kyc, once full kyc approved. Download Ebixcash Bhim UPI app and Use Ebixcash Wallet UPI to Free bank transfer or Credit Card bill pay via any 3rd party apps like Paytm, Bajaj, Mobikwik, Zavo etc (choose Ebixcash wallet UPI option and pay CC bill).
Here loading charges 1% and no cashback on Wallet UPI spend. So, you will lose 1% here but if your Debit card rewards/cashback is more than 1% then you will get extra benefit.
Now all step by step Ebixcash Wallet signup through website only, full kyc, generate FREE Virtual/Physical Ebixcash GPR Card or Ebixcash Bhim UPI app link here, visit the link and read -
2) Goodscore app -
link - https://play.google.com/store/apps/details?id=com.rupicard.score&hl=en_IN
IOS - https://apps.apple.com/in/app/goodscore-credit-score-app/id6654923902
Note - The app's biggest drawback is that the Debit Card option appears only for credit card bill payments of over ₹2 lakhs. It will work only if your CC bill is ₹2 lakhs+.
Which debit card to use -
I can see benefits here with only 2 debit cards: the RBL Enterprise Debit Card (Only for Milestone benefit) and the RBL Signature+ Debit Card (2% cashback).
The MCC code here keeps changing — last time it was MCC Code - 7322.
The Goodscore app also charges a monthly ₹99 fee. Pay it through UPI AutoPay and then immediately go to your UPI app settings and cancel the AutoPay subscription.
3) HDFC Millennia Debit Card -
There is already a separate post about the HDFC Millennia debit card—read it from here:
4) Old HDFC Platinum Debit Card (New variant is not eligible) - Flat 1% upto 750 cashback -
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 -
5) Vi app or Vi website -
Vi website for all non-Vi users (all users) - https://www.myvi.in/utilities
Vi app only for Vi user
Here, Visa/Mastercard debit cards have a 1% charge, while RuPay debit cards have zero charges.
MCC Code – 4900 (Utility category).
I can see benefits here with only 2 debit cards: the RBL Enterprise Debit Card (5% upto 1000 cashback on Utility) and the RBL Signature+ Debit Card (2% cashback if milestone benefit count but remember 1% extra charges on VI app/website).
6) Bank of India: Better Rewards on All RuPay debit cards (0.50%) -
There is a separate post read here and apply Bank of India RuPay Classic/Platinum/Select variant and use on billdesk website, zavo app etc and no extra charges on RuPay.
Note – The post has a bit of incomplete information. If you make your first transaction of ₹10,001+ every month, then all your subsequent transactions of any amount will earn double reward points until the next month. The total value of this benefit will be 0.50%. Visit here for more info -
