Hello Folks, There used to be a time when there were many offers on Credit card bill payment be it CRED, PayTM or Mobikwik but as they got popular all the offers are getting over. Now most of the apps also not accept Debit cards as a payment method where we could have saved some money
In today’s post, I will share some ways to pay credit card bills using various bank debit cards and collect reward points for the same. For example, the HDFC Millennia Card offers 2.5% cashback on online transactions, and the IDFC Select Card offers 2% Cashback on online transactions. So, let’s combine these offers to save some money on credit card bill payments.
You can check out our List of Best Recharge & Bill payment cashback credit cards, Best Upi Rupay Credit card by Tata Neu and more in the Credit Cards section.
Banks May change terms & conditions anytime so I am not sure if these tricks are still working or not but worth giving a try
💳 Top Debit Cards for Credit Card Bill Payment Rewards
Here’s a breakdown of debit cards and the rewards they offer when used for credit card bill payments:
| Debit Card | Reward Type | Eligibility/Conditions | Example Reward |
|---|---|---|---|
| HDFC Platinum Debit Card | 1% Cashback | Max cashback ₹750; Spend ₹75,000/month. | Pay ₹75,000 → Earn ₹750 cashback |
| HDFC Millennia Debit Card | 2.5% Cashback | Max cashback ₹400; Spend ₹16,000/month. | Pay ₹16,000 → Earn ₹400 cashback |
| IDFC Select/Wealth DC | 2% Cashback/Amazon GV | Max ₹7,500 Amazon Gift Voucher for ₹3.4L spends/month. | Pay ₹3.4L → Get ₹7,500 Amazon voucher |
| IndusInd Exclusive DC | 0.93% Cashback | Max cashback ₹1,050 for ₹1.34L spends/month. | Pay ₹1.34L → Earn ₹1,050 cashback |
| RBL Signature DC | Amazon Voucher | ₹5,000 Amazon voucher for ₹5L spends/year. | Pay ₹5L annually → Get ₹5,000 voucher |
Details on Top Debit Cards
- HDFC Platinum Debit Card
- Reward: 1% cashback capped at ₹750/month.
- Example: If you pay ₹50,000 as a credit card bill, you’ll receive ₹500 as cashback.
- HDFC Millennia Debit Card
- Reward: 2.5% cashback up to ₹400/month.
- Example: Spend ₹16,000 on credit card payments, and you’ll get ₹400.
- IDFC Select/Wealth Debit Card
- Reward: 2% cashback in the form of Amazon gift vouchers, capped at ₹7,500/month.
- Example: ₹3,40,000 spent earns ₹7,500 in Amazon vouchers—a significant benefit for high spenders.
- IndusInd Exclusive Debit Card
- Reward: 0.93% cashback, up to ₹1,050/month.
- Example: Spend ₹1,34,000 on credit card bills, and get ₹1,050 cashback.
- RBL Signature Debit Card
- Reward: ₹5,000 Amazon voucher for ₹5L annual spends.
- Example: Consistently spend ₹41,667 per month and get a ₹5,000 Amazon voucher.
🔖 Where You can use Debit Card to Pay credit card Bills
You can use the following platforms to maximize your rewards:
| Platform | Supported Debit Cards | Key Features |
|---|---|---|
| HDFC BillDesk | HDFC Platinum Debit Card | Seamless payments with direct HDFC debit cards. |
| SBI UniPay | All Debit Cards | Universal compatibility with multiple DCs. |
| All Debit Cards | Easy-to-use app with cashback tracking. | |
| Canara Setu | All Debit Cards | Offers diverse payment modes for credit cards. |
| Airtel Thanks App | All Debit Cards | Simplified payments and real-time notifications. |
Illustration of Usage
Let’s say you use an HDFC Millennia Debit Card on the Airtel Thanks App to pay a ₹10,000 credit card bill. You’ll receive 2.5% cashback, which equals ₹250. Combine this with other monthly payments, and you can easily reach the ₹400 maximum cashback cap.
🎯 How to Maximize Your Rewards
- Select the Right Debit Card
Choose a debit card that offers the highest cashback or rewards for your spending range. If you are a high spender, the IDFC Select or Wealth debit card may be ideal. For smaller spends, HDFC Millennia provides excellent value. - Choose Compatible Platforms
Ensure you are using a platform that supports your debit card for credit card bill payments. For instance, use the HDFC BillDesk Site for HDFC Platinum cards. - Time Your Payments
- Make payments early in the month to avoid hitting the cashback caps too soon.
- Spread out payments if your cashback is calculated per transaction.
- Track Your Spends
Use the app or platform’s tracking features to ensure you meet the minimum spend requirements without exceeding caps.
Conclusion
Paying credit card bills doesn’t have to be a chore. With the right debit card and platform, you can earn substantial rewards and cashback, making the most out of your regular expenses. Whether you’re a high spender or looking for consistent savings, there’s a card-platform combination that suits your needs.
Start paying smarter today, and turn your credit card bill payments into a rewarding habit!
FAQ
- Can I use these cards on any platform?
Most platforms support all debit cards, but specific sites like HDFC BillDesk may be exclusive to HDFC debit cards. - Are there any hidden charges?
No, but ensure your platform or bank doesn’t levy transaction fees for credit card bill payments. - What happens if I exceed the cashback cap?
Additional spends won’t earn cashback, so plan your payments to maximize rewards efficiently.
