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Which Debit Card to use for Credit Card Bill Payment in (September 2025)

Yes, Freechutil (4900), kotak fixed it and told freecharge to change it 🤣

Use kotak and fix loopholes.
But it was always 4900. What is the difference now apert from no cashback from kotak. Is that mcc changed to 6012 or something else?

Or it's just in their negetive list based on term "freechutil"?
 
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