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Best Debit card for credit card payment in CRED

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Deal Cadet
Question

Hi guys.

i will be making about 70,000 worth of credit card bill payment in January. Need your help with choosing the best Debit card for that.

I have,
1. HDFC Easyshop Platinum debit card. here 4 points for every 200 spent. 4rp=1rs.
2. ICICI debit card (not sure about the conversion rate but us linked with my payback account).
3. DBS bank visa card. again not sure of the conversion or even know if they offer reward points.

please help.

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Deal Cadet Deal Cadet
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well I had created the similar topic few weeks ago . Few dimers complain about it to not to discuss these things publicly because they feel since few banks are giving RP on debit card and if they came to know about cred then they will stop that too. even a dimer said all banks are giving him RP on cred transactions so not to discuss it online. I agree Few Banks are giving RP on debit cards currently not all but anytime they can stop giving that too by noticing the extra large numbers of 1000 cred points scratch card transactions . grinning .

I had deleted that topic after a dimer request.

Deal Cadet Deal Cadet
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Oh.. ok.. well i guess i will have to do trial and error then grinning

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Vanguard Vanguard
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You will hardly make a buck or two with points at the risk of exposing your debit, credit card no to these companies. Pay via NetBanking and be at peace.

Analyst Analyst
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True.

However, just some thoughts added:

Risks is everywhere…from walking on road to standing at the 19th floor.
So yes, we are exposed everywhere (broadly all kinds of known and unknown, common and rare, accidents and diseases), but probabilities (to a reasonable extent) assure us we will see the next day.

Financial risks are everywhere, offline and online (more so here). And we are exposed by definition. Financials being the most important thing practically in life, the max possible level of security is ensured (by banks, regulators, etc). But the best hackers and desperate ppl also tend to look here to attack or exploit.

Card nos are meant to be exposed. That’s how they function. Offline we used to handover cards to other ppl. Online we just put the no in boxes across sites of varying security level and maturity. But it has become like walking and standing on high risk building. We need to be careful, yes, but that’s a basi thing in financial life.

Ppl differ in risk appetite and risk taking ability (aka capital cushion) – and values and comfort. They need to choose accordingly and choices will differ due to diversity. Some people will not take even netbanking ‘transaction access’. They are cintent with view only as that gives them safety. They are highly risk averse. On the other side, some ppl will take 10+ credit cards and share the nos just about everyone and feel safe bcoz they have the device and otp with them. Some others feel safer after disabling international txns due to absence of otp security there.

So net net, in my view, we should understand ourselves better in terms of our financial txns/behavior, requirements, how much we can handle data/loss etc, and take precautions of highest nature with our financial txns (and now mail id and mobile device too), and then just be at peace. we are taking the best precautions possible, we are prepared to take some potential loss (lower chance/worst case) in return for the potential benefits (higher chance/base case), and then feel at peace (at least till we are there and till it is there).

Money is important, more imp than we realize i think-and for a reason… Tc. Never mind. Ymmv. smile

Benevolent Benevolent
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Hi get dcb cashback debit card it gives 1.25% cb.

Deal Cadet Deal Cadet
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I have DCB card bro.. can you confirm ?

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Finance Ninja Finance Ninja
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HDFC Easyshop Platinum debit card RP only for selected merchant MCC codes. smile

check HDFC bank website, you get full details.

Deal Cadet Deal Cadet
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worried
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Deal Lieutenant Deal Lieutenant
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does cred also gives cb on debit card txns?

Deal Cadet Deal Cadet
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any1 checked with hdfc rupay debit card

Deal Cadet Deal Cadet
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which sbi dc give rp and 1 rp= ? paisa for sbi .

i too got 250 for dbs in jan ,dec . so they stopped now.

currently i am using yes world debit card all cred transactions,

200 spent = 1 rp

1rp= 0.25 paisa

Deal Subedar Deal Subedar
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For classic dc, you’ll get 1 rp per 200 and 1 rp=25 paisa

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Generous Generous
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Indusind debit cards

Deal Lieutenant Deal Lieutenant
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They have stopped giving reward points on cred

Deal Cadet Deal Cadet
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Digibucks now back . With few chnages

Deal Subedar Deal Subedar
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Yes

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Deal Cadet Deal Cadet
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Prepaid / Virtual Cards don’t work on Cred.

IndusInd and DBS are 2 options.

Deal Cadet Deal Cadet
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Please tell me which card best for cred

Deal Cadet Deal Cadet
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I’m trying to use SBI intouch mastercard debit card on cred, however, it is declining. Getting SMS, transaction declined due to 055-INELIGIBLE TRANSACTION. Please contact branch.

Anyone else facing this issue or using this card.

Deal Cadet Deal Cadet
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Anyone?

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Helpful Helpful
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I could see ICICI also stopped giving payback points for Cred payments. No points given for last month yet.

Deal Cadet Deal Cadet
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Which card?

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Deal Subedar Deal Subedar
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Guys, planning to open a DCB account, Is it worth, I mean did any one got the cash back ?

Deal Subedar Deal Subedar
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For BOI, if u spend more than 10 K,

u will get 1 rupee for 200 spent on BOI debit card,
in fact we get 500 for one lakh spends on BOI debit card

The above comment is mentioned by considering 1rp=0.25 paise and for 200 Rs spends we get 4 reward points which is equal to 1 rupee

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Deal Subedar Deal Subedar
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+1

Deal Cadet Deal Cadet
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Lately DCB payments are failing on Cred..anyone else faced same?

Deal Cadet Deal Cadet
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Yes, it fails frequently. However when I tried a second time they were going through.

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Deal Cadet Deal Cadet
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Are we still getting cash back on DCB cards ??
Can someone pls confirm?

Analyst Analyst
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.

Analyst Analyst
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..

Deal Subedar Deal Subedar
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How to pay bill of 2.50 L using a debit card?? 2000*125?? 🤔

Deal Subedar Deal Subedar
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?

Deal Subedar Deal Subedar
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Please help, which debit card is best (reward points) for credit card bill payment ?

Also share which application (cred, Paytm etc) should we use ?

Deal Cadet Deal Cadet
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Bumping this again in 2023! Any suggestions?

Deal Newbie Deal Newbie
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HDFC EasyShop Platinum Debit Card is still best choice for this purpose. Pay CC bills using this debit card on HDFC Netbanking BillPay option. 1% CB up to 750 CB Per month. So you can pay bills up to 75k each month. Also you can pay CC bills on Mobikwik using this card. it also give up to 750CB

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