Best Debit Cards for Credit Card Bill Payment (2026)

Am I the only one, or are you also feeling that these popular payment apps are no longer giving the kind of cashback they used to earlier? Every time I make a payment on CRED, I get just ₹1–₹5 or something like that, no matter how big the amount is.

Because of this, I’ve almost stopped using these platforms. Instead, I’ve started using debit cards, and honestly, they are giving me 10–20x better cashback than these apps.

Think about it — getting ₹750 cashback on a ₹500 payment on CRED… is that even possible? I’ve never really seen or heard anyone getting more than ₹50–₹100, even after making multiple payments.

This whole shift actually started when I got my Kotak 811 debit card. After that, I became a bit curious and started exploring other debit cards as well — just to check if there were some hidden benefits that I was missing earlier… and maybe you are missing too.

Many people don’t know this, but banks like Kotak, HDFC, RBL, and a few others actually offer debit cards that give cashback even on credit card bill payments. So I tried a few of them and shortlisted some good options that you can also use.

If you already have any of these cards, then you should definitely start using them for your credit card bill payments.

Below are the debit card that you can use to make credit card payments. You can save around  24000 or more using these card every year.

1. HDFC Rewards Debit Card: Flat 5% Up to Rs. 2000

This one is quite popular. It gives up to 5% cashback (capped around ₹2000) on credit card bill payments, depending on how you use it. If used properly, this can give much better returns compared to normal apps.

• Get the HDFC Rewards Debit Card
• Install and use the PayZapp app
• Add your debit card in PayZapp
• Pay your credit card bill / utility bills / recharges via PayZapp

2. Kotak 811 Debit Card: Flat 5%, Rs. 500 Cashback

If you are a Vi (Vodafone Idea) user, then you can use this card through the Vi app and get around 5% cashback (up to ₹500). There might be a small fee involved, so it’s better to do smaller transactions instead of one big payment.

• Download VI app
• Login using any Vi number (your own or family/friend)
• Go to bill payment / recharge section
• Pay credit card bill using Kotak 811 Super Debit Card

3.HDFC Millennia Debit Card: Flat 1% Cashback up to Rs 400

This works in a slightly different way. You can load money into a PayZapp and get  1% cashback. For example, if you load ₹40,000, you get ₹400 cashback.

After that, you can transfer the money back to your bank account (depending on the wallet), so technically you still keep that 1% benefit. The maximum cashback here is usually around ₹400.

• Open PayZapp app
• Load money into PayZapp wallet using Millennia Debit Card
• You get 1% cashback (up to ₹400/month)

Now you can:

• Transfer wallet money back to bank (free), OR
• Use PayZapp wallet UPI / bill payment for CC bill

Cashback comes from wallet loading.

4.Bank of Baroda Debit Card: 0.75% Cashback

If you have a Bank of Baroda RuPay Select debit card, you can get cashback on credit card bill payments above ₹10,001.

• Use BOI RuPay Select Debit Card
• Go to platforms like:
  • BillDesk CC bill pay website
  • Apps like Zavo
• Make credit card bill payment of ₹10,001 or more

You get 0.75% cashback

Final Thought

By using these card, you can save decent amount. Take an example, with Rewards debit card by HDFC, you can earn up to Rs. 24000 per year. On the other hand, card like Kotak 811 provides Rs. 500 every month, which is equivalent to INR 6000 saving every year.