Best Debit Cards for Credit Card Bill Payment

Paying credit card bills no longer has to be a boring, zero-reward activity. While platforms like CRED, MobiKwik, and CheQ offer cashback or reward coins, debit cards continue to be one of the most reliable ways to earn tangible rewards on credit card bill payments.

For users with high monthly card spends, choosing the right debit card can make a noticeable difference. Even small cashback percentages add up over time, making debit cards a preferred option for experienced credit card users.

Why Use Debit Cards for Credit Card Bill Payments

Debit cards offer a more traditional and dependable reward structure compared to app-based incentives. Unlike coins or vouchers that may have limited usability, debit card rewards often come as direct cashback or milestone benefits.

Many users prefer debit cards because rewards are credited automatically without relying heavily on promotional offers that can change frequently.

Top Debit Cards for Credit Card Bill Payment

Here are some of the most rewarding debit cards currently used for credit card bill payments.

These debit cards are popular among users who regularly pay large credit card bills and want to earn something extra on mandatory expenses.

Latest Update on Credit Card Bill Payment With Debit Cards

In a major update, SBI Unipay has removed the option to pay credit card bills using non-SBI debit cards. Only SBI-issued debit cards are now supported on the platform.

This change has impacted many users who earlier relied on debit cards from banks like IndusInd, HDFC, and RBL to earn rewards on their credit card bill payments. SBI Unipay was one of the most widely used platforms for such transactions, and this update has significantly reduced reward opportunities.

SBIePay Lite and Other Alternatives

With SBI Unipay limiting options, users are now exploring alternatives like CRED and Vi App for debit card-based credit card bill payments. However, reward eligibility may vary based on merchant category codes and bank-specific rules.

Users should always monitor transaction eligibility and reward postings, as banks frequently update their policies.

Things to Keep in Mind

Debit card rewards on credit card bill payments are not guaranteed forever. Banks may revise reward structures, change MCC mappings, or restrict certain transactions at any time.

What works today may stop working tomorrow, so it’s important to stay updated and avoid relying solely on one method.

Bottom Line

Credit card enthusiasts are always looking for ways to maximise rewards, even on unavoidable expenses like bill payments. Debit cards remain one of the best tools for earning additional value on credit card bill payments, especially for high spenders.

While these methods involve experimentation and come with limitations, users who stay informed and flexible can still extract meaningful benefits. With frequent changes in bank policies, keeping multiple payment options ready is the smartest approach.