These days, there are several methods to pay your credit card bills. Platforms like CRED and MobiKwik offer cashback, while platforms like CheQ offer reward coins that can be later redeemed for vouchers. However, debit cards remain the best way to earn traditional rewards on credit card bill payments. Many people are now frustrated by the low cashback or rewards they receive on credit card bill payments. For those with high spends, debit cards are highly useful for these payments.
Rewards Offered by Best Debit Cards for Credit Card Bills
Here are some of the best debit cards for getting additional cashback and rewards on credit card bill payments.
| Debit Card | Rewards on CC Bill Payments | Platforms |
| Indusind Select and Exclusive Cards (Visa and Mastercard) | 0.93% Up to ₹1050 Monthly | CRED |
| RBL Signature+ Debit Card | 2% Cashback | CRED/Vi App |
| RBL Enterprise Debit Card | Milestone Benefits | CRED/Vi App |
Latest Update on Credit Card Bill Payment With Debit Cards February 2025
SBI Unipay Removes Non-SBI Debit Cards for Credit Card Bill Payments
SBI Unipay was one of the most popular platforms for credit card bill payments up until recently. Now, it has removed the option for payment of credit card bills for all debit cards except those of SBI Bank. This has caused shockwaves amongst all those who regularly use the platforms for their credit card bills. Many debit cardholders of IndusInd, HDFC, and RBL Bank used to get points for their credit card bill payments through SBI Unipay, but this has now been discontinued.
Bottom Line
Credit card enthusiasts choose to have multiple cards in order to maximize their spending. This behavior doesn’t stop there. They are constantly searching for different ways to earn more rewards, even when making payments toward their credit card bills. The methods we mentioned above can help them achieve this, providing even more savings on their expenses.
Although the methods mentioned above are used by many, they aren’t foolproof ways to earn rewards on bill payments. These are more of trial-and-error approaches, often with several terms and conditions attached. Merchant category codes (MCCs) can change, and banks are constantly updating their systems to limit or exclude rewards on credit card bill payments. Still, for those with the patience and curiosity to experiment, trying out these methods might just help you earn something extra back.
11 comments
Nilesh
Please update the blog. I don’t think this works for IndusInd Bank debit cards now
Kartik Kanwar
Still Works.
Bala
As per the TnC, both the RBL Signature+ and RBL Enterprise cards are not eligible.
Link1: click here
Link2: click here
Need verification on this.
Kartik Kanwar
Its true, nothing is working currently. Multiple devaluations have bought everything down.
Bala
Did you try that? I’m planning to get that card.
Shubham Raj
guys did anyone get 5 % cashback on hsbc salarydebit card for credit card bill payment using sbi unipay or canarasetu
Hargun
Thought my IndusInd Visa was useless except for BMS offers. Just made a 60k worth of payment and got around 2k reward Points. Seems good enough especially considering I paid through CRED.
Vishal Gala
How does this work? i have tried paying through Canara Setu, but havent got any message or anything hinting on the cashback or would it be reflected in the statement
Kartik Kanwar
At that point IndusInd debit cards used to get reward points. Which has now been discontinued.
Vishal
Are you sure HDFC platinum Card is still working, i had read in Aug they have stopped it by immediate effect.
Kartik Kanwar
Working as of early September. Will have to wait and review if something has changed.