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Which Debit card use for Credit Card bill payment in Feb & March 2025

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The first post in this thread is a WikiPost, and can be edited by anyone with the appropriate permissions.

Abhishek012

TF Pioneer
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.

GdtUALqXIAAZVnp.webp

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)


Type of ProgramMonthly Point Capping
General8,000
Select30,000
Wealth50,000
Private5,00,000
Reward Rate:-

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 VariantMax. PtsMax. Spend
1.Normal Account8000Rs.1,60,000.00
2.First Select30000Rs. 3,40,000.00
3.First Wealth50000Rs. 5,36,660.00
4.First Private500000Rs. 50,30,000.00

Where to spend ?

Phonepe app - Credit Card bill pay via IDFC Firstap Sticker RuPay Platinum Debit Card wothout 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).

Note - Virtual RuPay variant give you 2x reward (Double) + 2x milestone reward (Double).

Normally SBI Virtual RuPay DC spent - base reward value 0.25% + Virtual bonus value 0.25% - Total = 0.50% Value (minimum spent Rs200).

Every 50k spend you will get 1000 extra milestone bonus reward + 500 + 500 base reward & virtual bonus (total 1% value)

1 lakh spend 2000 extra milestone bonus reward + 1000 + 1000 base reward & virtual bonus (total 1% value)

1.5 lakh spend 3000 extra milestone bonus reward + 1500 + 1500 base reward & virtual bonus (total 1% value)

2 lakh spend 4000 extra milestone bonus reward + 2000 + 2000 base reward & virtual bonus (total 1% value)

2.5 lakh spend 5000 extra milestone bonus reward + 2500 + 2500 base reward & virtual bonus (total 1% value) and so on..

Note:If you use an SBI Physical RuPay debit card, you'll get only half the rewards (0.25%) and half the milestone benefits (0.25%)—a total of 0.50% and the milestone benefit will also be given on every ₹1 lakh spent for SBI Physical debit card.


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)

rblfreecharge.webp

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

rblphonepe.webp



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:backhand-index-pointing-down::backhand-index-pointing-down:



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 -



 
Last edited:
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)


Type of ProgramMonthly Point Capping
General8,000
Select30,000
Wealth50,000
Private5,00,000
Reward Rate:-

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 VariantMax. PtsMax. Spend
1.Normal Account8000Rs.1,60,000.00
2.First Select30000Rs. 3,40,000.00
3.First Wealth50000Rs. 5,36,660.00
4.First Private500000Rs. 50,30,000.00

Where to spend ?

Phonepe app - Credit Card bill pay via IDFC Firstap Sticker RuPay Platinum Debit Card wothout 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".

Note - Virtual RuPay variant give you 2x reward (Double) + 2x milestone reward (Double).

Normally SBI Virtual RuPay DC spent - base reward value 0.25% + Virtual bonus value 0.25% - Total = 0.50% Value (minimum spent Rs200).

Every 50k spend you will get 1000 extra milestone bonus reward + 500 + 500 base reward & virtual bonus (total 1% value)

1 lakh spend 2000 extra milestone bonus reward + 1000 + 1000 base reward & virtual bonus (total 1% value)

1.5 lakh spend 3000 extra milestone bonus reward + 1500 + 1500 base reward & virtual bonus (total 1% value)

2 lakh spend 4000 extra milestone bonus reward + 2000 + 2000 base reward & virtual bonus (total 1% value)

2.5 lakh spend 5000 extra milestone bonus reward + 2500 + 2500 base reward & virtual bonus (total 1% value) and so on..

Note:If you use an SBI Physical RuPay debit card, you'll get only half the rewards (0.25%) and half the milestone benefits (0.25%)—a total of 0.50% and the milestone benefit will also be given on every ₹1 lakh spent for SBI Physical debit card.


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) HDFC Millennia Debit Card:
There is already a separate post about the HDFC Millennia debit card—read it from here:





4) 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 -




5) RBL Enterprise Debit Card:

Note - RBL Enterprise DC for milestone benefit, read my 7th 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.

SMS - PHONEPE RECHARGE
After transaction - PHONEPE RECHARGE BANGALORE IN

View attachment 84814



6) 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:backhand-index-pointing-down::backhand-index-pointing-down:



7) 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 -



Rupay Encyclopedia: ☝️

1- BOI Rupay Classic NCMC Debit Card
2-SBI Rupay Platinum Simply Save Credit Card
3- SBI debit card - out of below cards, which one to choose 👇
थोड़ा प्रकाश इन पर भी डालें क्या इनका भी कुछ लाभ लिया जा सकता है !!
 

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  • IMG_20250223_182105013.webp
    IMG_20250223_182105013.webp
    2.7 MB · Views: 18
Rupay Encyclopedia: ☝️

1- BOI Rupay Classic NCMC Debit Card
2-SBI Rupay Platinum Simply Save Credit Card
3- SBI debit card - out of below cards, which one to choose 👇
थोड़ा प्रकाश इन पर भी डालें क्या इनका भी कुछ लाभ लिया जा सकता है !!
Bro, apply Virtual SBI RuPay debit card, these are physical cards.

Virtual SBI RuPay debit card - lifetime free and double reward points.
 
chup chuup rehke
kuchbhi na kehke
mauke pe mara chauka
peeth pe khanjar ghaupa
pyaar mai akhir kiska jor chala

what happened in that fatal 1 hour
jane kewal clock tower
aise mokay pe kisi ki bhi
ho jati bolti band
magar apne mr abhishek nikla akalmand
saath phero ka vachan yaad aya
thoda sa bhi kuch aane ke baad aya
tick tock ooo
socha what to doo
TICK TOCK oooo

daudh ke jake
rupay ke aangan se lambi rassi lake
bandha kamar mai magic knot
what what
magic knot
card ko bola tata aur maut ki ulti ginti ginne laga
ghadi ka kata
GHADI KA KATA
Ghadi KA KATA.....

AISE hua ye KAAND kala
pada dil ki dhadkan pe tala
kamsan jaan gawa baitha
card wala card wala card wala
~ Early Morning from JAGGA JASOOS 😉

sorry for lame song bas man kiya to edit karke chaap diya
NVM
 
chup chuup rehke
kuchbhi na kehke
mauke pe mara chauka
peeth pe khanjar ghaupa
pyaar mai akhir kiska jor chala

what happened in that fatal 1 hour
jane kewal clock tower
aise mokay pe kisi ki bhi
ho jati bolti band
magar apne mr abhishek nikla akalmand
saath phero ka vachan yaad aya
thoda sa bhi kuch aane ke baad aya
tick tock ooo
socha what to doo
TICK TOCK oooo

daudh ke jake
rupay ke aangan se lambi rassi lake
bandha kamar mai magic knot
what what
magic knot
card ko bola tata aur maut ki ulti ginti ginne laga
ghadi ka kata
GHADI KA KATA
Ghadi KA KATA.....

AISE hua ye KAAND kala
pada dil ki dhadkan pe tala
kamsan jaan gawa baitha
card wala card wala card wala
~ Early Morning from JAGGA JASOOS 😉

sorry for lame song bas man kiya to edit karke chaap diya
NVM
 
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The first post in this thread is a WikiPost, and can be edited by anyone with the appropriate permissions.
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