Top Debit Cards That Earn Rewards When Paying Credit Card Bills

A growing number of banks in India are offering meaningful rewards when cardholders use their debit cards to pay credit card bills. These offers allow consumers to turn what would otherwise be routine payments into value-earning transactions. For example, some eligible debit cards provide 1% cashback, capped at amounts such as ₹750 per month, when used via recognised bill-pay platforms. Other cards offer higher percentages (like 2.5%) but with lower caps or stricter eligibility criteria. Industry observers note that these reward schemes are becoming an attractive option for users looking to maximise return from their payments, albeit with the caveat of minimum spend or specific payment platforms. Card-holders are advised to review their bank’s terms: check which bill-pay platform qualifies, confirm the cap on rewards, ensure your payment method aligns with the scheme, and keep an eye on any exclusions (such as payments to the same bank’s credit cards, or certain categories of bills).