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Guide Top Rewarding Debit Cards for Paying Credit Card Bills in 2024

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Deathsnatcher

Deathsnatcher

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Hi
When it comes to choosing the best debit card to pay credit card bills, several factors should be considered, such as ease of use, rewards or cashback programs, and compatibility with your specific credit card provider. While preferences may vary depending on individual needs and circumstances, here are a few popular debit cards known for their convenience and benefits which i have found.

Thread will be updated from time to time and only summary is being shared here in this post [you need more info about the dc comment in thread to know more]
  1. HDFC Platinum card for 1% upto ₹750 monthly Cashback.
  2. Indusind Select, Exclusive cards for 0.93% upto ₹1050 monthly.
  3. RBL Signature+ card for 1% upto ₹1000 monthly.(₹17000 yearly)
  4. RBL Enterprise card 5% upto ₹1000 monthly (₹20000 yearly)
So to avoid so many doubts of everyone we will update and write working combos here-
  • FOR Indus EXCLUSIVE/SELECT Visa - Use SBI Unipay, Canara Setu
  • For Indus EXCLUSIVE/SELECT Mastercard - Use SBI Unipay, Canara Setu
  • For RBL SGP - Use SBI Unipay, Canara Setu
  • For RBL EDC - Use SBI Unipay, Canara Setu
  • For HDFC Platinum DC - Use SBI Unipay, Canara Setu
 
Kya scene he.. RPs aya kya IDB ka.. i have 2 lakhs of CC bills to pay..apart from 75k quota of HDFC
 
Why so much delay in crediting rewards this time for Indus cards...
another problem is , if they credit near to end of month, we can not use remaining target for the DC to get max cap points.. bcaz if we do transaction at end of month, they will credit points in early next month and it will be on next month bucket.
 
Too many glitches in matrix ...i wonder why some people reporting to banks about there flaws
its bank money and not there ...still people feel jealous and reports to bank
@ashiskar i too have tons of payments pending only waiting for them to start crediting
 
Deathsnatcher said:
Too many glitches in matrix ...i wonder why some people reporting to banks about there flaws
its bank money and not there ...still people feel jealous and reports to bank
@ashiskar i too have tons of payments pending only waiting for them to start crediting
Click to expand...
Please try to understand the other side of coin as well. If people abuse or misuse the loopholes it inturn affects the facilities and offers given to genuine users because the card gets devalued. Where do you think banks gets the money from? It's not from their pockets. The money that they make is from the savings, FDs, investments that we as customer make with them. If they don't make money they will not give you good interest rates, better rewards on credit cards, better banking facilities like premium savings/salary account with no fees and free premium debit card. So it's not the banks money but our own.
 
I have seen the other sides as well, mostly people are not abusing the system if you check out of crores of population only a handful of them hold cc and from those handful only a bunch of people have opened select account and keeping there money in banks for these debit cards [this mimick bring boost to bank txn and funds] and yes banks make a tons of money [i will not discuss there mockery ways of earning also].
Problem is with peoples who have some narcisstic persona and unable to experience things like these ways
anyway my point wasnt where the bank is generating of course i am paying the bank too at some particular points
point was saving extra % in day to day spending is what everyone is after which makes the game more fun.
 
Deathsnatcher said:
I have seen the other sides as well, mostly people are not abusing the system if you check out of crores of population only a handful of them hold cc and from those handful only a bunch of people have opened select account and keeping there money in banks for these debit cards [this mimick bring boost to bank txn and funds] and yes banks make a tons of money [i will not discuss there mockery ways of earning also].
Problem is with peoples who have some narcisstic persona and unable to experience things like these ways
anyway my point wasnt where the bank is generating of course i am paying the bank too at some particular points
point was saving extra % in day to day spending is what everyone is after which makes the game more fun.
Click to expand...
Absolutely agreed that everyone is after saving extra which is good. My only concern is that the savings that we hope to get through use of these cards, are getting devalued due to few people abusing the facility and majority getting punished for the same which is not good. Like for example there used to be reward points or cash back for rent payment or govt payment a couple of years back and because people misused it by making it commercial activity the rewards have been removed and instead we need to pay 1 percent or a fixed fee for rent payment. But all I wish is that everyone should have the chance to save their hard earned money without any misuse which closes more options that we already are short on.
Happy savings.
 
I have collated different MCCs for the payment apps, correct me if I am wrong:
Cheq : 6012
Cred : 6012
Paytm : 6051
PayZapp : ??
 
vharia said:
I have collated different MCCs for the payment apps, correct me if I am wrong:
Cheq : 6012
Cred : 6012
Paytm : 6051
PayZapp : ??
Click to expand...
They have more than one merchant and more than one mcc
you should have remembered the merchant name and mcc with it
for ex Cheq digital is different mcc than Cheq Digital Private
 
Bharatiya Nagrik said:
Please try to understand the other side of coin as well. If people abuse or misuse the loopholes it inturn affects the facilities and offers given to genuine users because the card gets devalued. Where do you think banks gets the money from? It's not from their pockets. The money that they make is from the savings, FDs, investments that we as customer make with them. If they don't make money they will not give you good interest rates, better rewards on credit cards, better banking facilities like premium savings/salary account with no fees and free premium debit card. So it's not the banks money but our own.
Click to expand...
What about banks abusing customers? Charging fees without notice. Its not that they are doing some charity. What do u think, HDFC doesnt know by paying CC bills, one earns 750 a month?
 
Deathsnatcher said:
Hi
When it comes to choosing the best debit card to pay credit card bills, several factors should be considered, such as ease of use, rewards or cashback programs, and compatibility with your specific credit card provider. While preferences may vary depending on individual needs and circumstances, here are a few popular debit cards known for their convenience and benefits which i have found so found

Thread will be updated from time to time
and only summary is being shared here in this post [you need more info about the dc comment in thread to know more]

  1. HDFC Platinum card for 1% upto ₹750 monthly Cashback.
  2. Indusind Select, Exclusive cards for 0.93% upto ₹1050 monthly.
  3. RBL Signature+ card for 1% upto ₹1000 monthly.(₹17000 yearly)
  4. RBL Enterprise card 5% upto ₹1000 monthly (₹20000 yearly)
So to avoid so many doubts of everyone we will update and write working combos here-

FOR HDFC PLAT DC

  • Paying non HDFC CC bill- use hdfc billpay netbanking
  • Paying HDFC CC bill- use freecharge below 1k no convenience above 1k there is convenience charges so use Unipay
FOR Indus EXCLUSIVE/SELECT VISA— use Paytm [points are not crediting so wait for update]
For Indus EXCLUSIVE/SELECT MC—use sbi unipay [points are not crediting so wait for update]
For RBL SGP— use sbi unipay
For RBL EDC– use Freecharge/Airtel app/Unipay
Click to expand...
Any update for indus DC and Paytm?
 
ashiskar said:
What about banks abusing customers? Charging fees without notice. Its not that they are doing some charity. What do u think, HDFC doesnt know by paying CC bills, one earns 750 a month?
Click to expand...
Bank runs a business and not a charity as you said. They will take the money from any which way they find. If you think by trying to use loopholes to fool them you will able to beat them then you are wrong my friend. This is their game and we can't win. By all means make use of the facility of cashback they are giving because that is a legal legit method but other people tend to make it commercial by trying to get cashback by for the whole district that is when the facility is abused and the bank can withdraw the option anytime making it a loss for genuine users like you and me.
 
You will recieve the points too..if you using android please check the netbanking
heared some getting glitches on android app for non points showing
 
Deathsnatcher said:
You will recieve the points too..if you using android please check the netbanking
heared some getting glitches on android app for non points showing
Click to expand...
Are they crediting pending or new one? Becoz i have pending worth 50k ..total 2lakhs. I should recieve around 6k points.
 
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