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Guide Top Rewarding Debit Cards for Paying Credit Card Bills in 2025

saitej said:
How to pay HDFC CC bills using HDFC Platinum DC and get cashback?
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Set up autopay in HDFC billpay for CC using plat dc
will work for all CCs accept hdfc, amex and stanC
issues have been reported that hsbc, sbi cc throws error
 
So, The only remaining ways are :
1. SBI Dc or VDC via Unipay
2. Hdfc Platinum DC via Autopay in HDFC Billpay

Is there any other method still working?
 
anyone who has received reward points for RBL enterprise debit card this month?

I had paid bills via freecharge using EDC. Yet to receive reward points :/
 
Can we pay bill using Zavoo with IDFC TAB card with basic 10K account ? Are we getting reward for this account as well as
 
Zapper said:
anyone who has received reward points for RBL enterprise debit card this month?

I had paid bills via freecharge using EDC. Yet to receive reward points :/
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Asked Customer support about the MCC for my transaction on Freecharge in May.

Received following response:
"This is with reference to your email dated June 29, 2025 regarding your transaction MCC code.

We regret to inform you that you are not eligible for monthly voucher as the transaction made on 03/05/2025 of

Rs. 20240.72/- for which the MCC code is 6012.

Please Note: W. e .f May 01, 2024, International transactions and/or transactions carried out on the Merchant Category Codes (MCC – 6012, 6051, 6540,6211 ) will be excluded from availing Monthly cashback as voucher/ Annual vouchers."


I guess it's time to close the debit card 😅
 
JonSnow said:
Set up autopay in HDFC billpay for CC using plat dc
will work for all CCs accept hdfc, amex and stanC
issues have been reported that hsbc, sbi cc throws error
Click to expand...
I have done this but money didn't get auto debit waited till nxt day
Due date 6th and payment date in scheduler show as 2nd but till next day 3rd payment didn't execute. Then paid manually using SBI card from Paytm
 
I need to pay 2L+ HDFC cc bill.

Please suggest a better way to earn some rewards.

I have HDFC platinum DC and SBI virtual DC.
 
palen said:
I need to pay 2L+ HDFC cc bill.

Please suggest a better way to earn some rewards.

I have HDFC platinum DC and SBI virtual DC.
Click to expand...
Use SBI DC on any platform, you will get rewards.
HDFC plat is done, it is rewarding only if you setup auto pay on hdfc biller.
 
AskTriMan said:
It's 2025, and time for a fresh thread!

As we step into the new year, I thought it would be the perfect time to kick off a new discussion on a topic that’s still increasingly relevant: how to use debit cards effectively to pay off credit card bills while also earning cashback and rewards.
Requesting everyone to chime in with their comments on areas below so that we can keep this thread updated.
  • Top debit cards for earning rewards and cashback while paying off credit card bills
  • User feedback on any changes or rewards that they receive on theit debit cards

Top Debit Cards for Credit Card Payments​

Debit CardReward RateCap on RewardsCap on SpendsWorking Platforms for PaymentComments
HDFC Bank Platinum Debit Card1% CashbackRs 750/monthRs 75,000/monthCreate biller and make it 'SmartPay Enabled'Only works for non-HDFC cards and bills of less than 75K
HDFC Bank Millennia Debit Card2.5% CashbackRs 400/MonthRs 16,000/monthAdd to PayZapp, Mobikwik wallet
IDFC First Private Debit Card - FIRSTAP Sticker RuPay Platinum Debit Card Add-On1% Rewards (Gift Voucher)
2.5% Rewards (Gift Voucher) above Rs 50,000 in a month		5 Lakh RP/month (1 RP = 25 paise)~Rs 50,30,000/monthPhonePe (Just PhonePe or with words Recharge or Bill Payment in merchant name)
IDFC First Wealth Debit Card - FIRSTAP Sticker RuPay Platinum Debit Card Add-On0.67% Rewards (Gift Voucher)
2.5% Rewards (Gift Voucher) above Rs 50,000 in a month.		50000 RP/month (1 RP = 25 paise)~Rs 5,36,670/monthPhonePe (Just PhonePe or with words Recharge or Bill Payment in merchant name)
IDFC First Select Debit Card - FIRSTAP Sticker RuPay Platinum Debit Card Add-On0.5% Rewards (Gift Voucher)
2.5% Rewards (Gift Voucher) above Rs 50,000 in a month		30000 RP/month (1 RP = 25 paise)~Rs 3,40,000/monthPhonePe (Just PhonePe or with words Recharge or Bill Payment in merchant name)
SBI RuPay Virtual Debit Card0.5% Rewards50K spends/per day
5L spend/month		PayZapp!


Timeline to get rewards/cashback​

  • HDFC Platinum DC: 5-7 working days
  • HDFC Millennia DC: 90 days from end of month
  • IDFC First Debit Cards: 14 working days
Feel free to share your experiences, recommendations, or any questions you have about using debit cards to pay down credit card debt while earning rewards. I’ll be updating this thread regularly with fresh insights, tips, and contributions from all of you.

Note - Try these at your own discretion and risk. If you don't receive rewards, then update here so that others can skip this method.

Looking forward to hearing your insights and making this a go-to resource for everyone!
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Hello Bro, paying credit card bill with SBI rupay DC not working on payzapp, getting card not supported...please suggest any other alternatives/apps
 
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