Best Debit Card to Pay CC Bills

Deathsnatcher

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]

HDFC Platinum card for 1% upto ₹750 monthly Cashback. [Login to see the link]
Indusind Select, Exclusive cards for 0.93% upto ₹1050 monthly.
RBL Signature+ card for 1% upto ₹1000 monthly.(₹17000 yearly) [Login to see the link]
RBL Enterprise card 5% upto ₹1000 monthly (₹20000 yearly) [Login to see the link]

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

FOR Indus EXCLUSIVE/SELECT VISA— use Paytm or Cred.
For Indus EXCLUSIVE/SELECT MC—use Cheq.
For RBL SGP— use Mobikwik or cheq or paytm or cred
For RBL EDC– use Freecharge only.

BK@44

Deathsnatcher I have my salary account with ICICI. which account would you recommend opening to pay my credit card bills . 😅 Please suggest.

tssrao

Deathsnatcher HDFC Platinum card for 1% upto ₹750 monthly Cashback. [Login to see the link]
Indusind Select, Exclusive cards for 0.93% upto ₹1050 monthly.
RBL Signature+ card for 1% upto ₹1000 monthly.(₹17000 yearly) [Login to see the link]
RBL Enterprise card 5% upto ₹1000 monthly (₹20000 yearly) [Login to see the link]
Kotak PVR card for unlimited 0.5% as PVR voucher.

Does any of these cards are provided virtually without having a physical account with the bank except HDFC?

Majnu

Deathsnatcher thank you

krishna

Deathsnatcher Hey Could you shed more light on this? I have been making payments all this while and didn't know about this. I could have easily saved/ earned 15K doing this if not more. In fact this kind of deal can make cheq payment app useless from the start, had people knew about it.

AkashAgarwal

Does indusind give rewards without any exclusions?

Deathsnatcher

AkashAgarwal Indusind reward [Login to see the link]

The following transactions are not eligible to earn IndusReward Point:

Transactions made on merchant categories - Mutual Funds & other Investments, Insurance, Fund Transfers, and Payment to Government
Transactions done via Debit Card under the NetBanking section and Online Debit Card + PIN transactions
Transactions on fuel, Credit Card bill payments & wallet funding/loading

AkashAgarwal

This says no rewards for Credit Card bill payments

Deathsnatcher

AkashAgarwal Yes if you plan to pay CC bill using indus portal
i clearly said 3rd party app cc bills will fetch rewards.

AkashAgarwal

Very interesting. So mobikwik credit card payment gives reward points even though wallets are excluded. Nice!

Deathsnatcher

AkashAgarwal You arent going to load wallet right? you will be directly paying via payu mobikwik gateway

Also
For-Indus EXCLUSIVE/SELECT VISA
Use Paytm or Mobikwik or Cred only.

For Indus EXCLUSIVE/SELECT MC
use Cheq or Mobikwik only.

BK@44

Deathsnatcher all credit card bills can be paid right ?

Deathsnatcher

BK@44 Yes as per my knowledge.

sathwik

How do you pay bills via CRED though ? I think I read somewhere that only for payments above 50K that CRED accepts Debit card payments

Deathsnatcher

sathwik Yes most of the cc bills are above 50k

for lesser values mobikwik is good

sathwik

[Login to see the link]
What is the settlement time though? I think CRED is the fastest.

Deathsnatcher

sathwik It varies sometimes my bill settles in few hours sometimes take a day but the max i have seen is upto 48hrs

Deathsnatcher

BK@44 If you are asking for Salary account just to pay cc then Hdfc is good to go!

Haris

In rbl website, it's given that enterprise debit card gives 5% cashback on utility paymentns like gas, electricity, water. It's not stated anywhere that it'll be given for credit card. Are you sure it gives 5% cahsback for credit card bill payment ?

Deathsnatcher

Haris Utility is MCC 4900 and when you pay CC bill using mobikwik or cred its uses Same Mcc code
So you are eligible for 5% .

RahulRajMA

Deathsnatcher How to find MCC for a transaction ?

Sagar

Deathsnatcher

If one have IDFC as secondary acc with icici as salaried in that case idfc debit card will be good to go for CC Payments right?

No need to switch to hdfc in that case? Or is it worth changing salary account to hdfc from ICICI?

tssrao

How to get InduInd Select/Exclusive card? I do not have any branch nearby.

Deathsnatcher

tssrao You need to open an account though without that you cant get it.

tssrao

Can I get it from a virtual account.

Jay

tssrao Some people have gone through the online route but have also complained about the hassle faced when charges for not maintaining balance was levied. Approaching branch gives you an additional spoc to help if this happens.