Best Way to pay Credit Card Bill

[kushal]

Guys I am redacting this post as I have been asked by the bank for non disclosure as mentioned in TnCs else my account would be suspended. They had asked me to remove this as this violates the TnC related to not getting reward points for CC payments.

 

[SunnyHarsha]

That also gives... But low rewards multiplier as per platinum criteria.

Thank you bro.. 😊

 

[bhandchawla]

How is Cheq? I heard they devalued cashback recently

 

[4uziaul]

How is Cheq? I heard they devalued cashback recently

I don't know how you ended up on this thread, but please try searching the forum as this has been extensively discussed.

 

[nandu]

Yes

Hi @VISHESH_BANSAL , do we get reward points on cheq for indusind visa signature and platinum cards also or only for master card?

 

[SunnyHarsha]

Hi @VISHESH_BANSAL , do we get reward points on cheq for indusind visa signature and platinum cards also or only for master card?

Only Mastercard on cheq..

 

[Rohan]

For new users*

Our Experts recommendation for Indus DC are:

Indus DC Mastercard:
Cheq (Processing Fee Applies).
Mobikwik (20K CC bill per 24 hours applicable for mobikwik regular users on MC cards).
Paytm won't work don't even try.

Indus DC Visa:
Paytm.
Mobikwik (20K CC bill on single transaction).
CRED (DC option only available for >50K transaction value {It depends on account to account}).

Indus Platinum:
Paytm (Working, points will be credited with in 5 days).
CRED (Working).
Mobikwik (Still Not Tested, Need update for tested users).

 

[KLB@96]

initial funding is required
it's 0 mab after linking credit cared
have 4 DCs yes
require patience for linking credit card & lifting Debit freeze initially.


ek FAQ section ho jana chayie with each thread

How to get 4 debit cards ? I have select account. also am still unable to link my legend card with my debit card

 

[cardex]

HDFC:
Most of us know that the best way to pay Bills for the Credit Card is the HDFC Bill Pay Portal, it allows us 1% reward rate for max 750 per month.
A person has to use the HDFC Bill pay portal via Netbanking/Mobile Banking for the same. (Using Easyshop Platinum Debit Card)

IndusInd:
The second best way is premium Indusind Debit Cards, i.e., Select/Exclusive Debit Card, it offers upto 0.93% reward rate and could be beneficial for those who frequently exhaust the HDFC limit,
Note: Paytm does not accept the mastercard variant of these cards, so in my experience Mobikwik does and gives the reward. For Visa Variant, paytm would work.
Unlike HDFC, Indusind offers incremental rewards for Credit Card payment, the rewards you get are (Brackets for total monthly spend):

Spend 5k - 0.35% - Rs 17
Spend 10k - 0.43% - Rs 43
Spend 20k - 0.56% - Rs 112
Spend 30k - 0.67% - Rs 201
Spend 40k - 0.72% - Rs 288
Spend 50k - 0.78% - Rs 390
Spend 60k - 0.83% - Rs 500
Spend 80k - 0.88% - Rs 704
Spend 100k - 0.92% - Rs 920
Spend 112.5k (Max) - 0.93% - Rs 1050
Here the max limit for Cashback is Rs 1050 a month as a person can get max 3000 reward points (1 RP= Rs 0.35)

Has hdfc stopped rewards on easy shop platinum debit card for paying cc bills?

 

[cardex]

Bro first of all you must have a platinum debit card, second go to mobile app/ netbanking, then got to bill payments, then add biller, credit card bill, here you will have to choose which bank credit card you have then proceed. Then you can add the amount and pay, make sure you pay with the debit card and not the account directly (You'll get this option to choose). For initial activation of a biller addition, it requires 3-5 days, after that you can pay bill. Try paying just rs 100 for the first activation.

Is the credit card has to be in our own name or we can pay for like say my brother's card bill?

 

[Rahul Gupta]

Has hdfc stopped rewards on easy shop platinum debit card for paying cc bills?

No. They still Give.

 

[Rahul Gupta]

Is the credit card has to be in our own name or we can pay for like say my brother's card bill?

Name on card or owner of card doesn't matter. You can pay any cc billl using any platform and any debit card.

 

[panu24]

Has hdfc stopped rewards on easy shop platinum debit card for paying cc bills?

Sometimes it takes time to credit cashpoints. You can wait for 3-4 days.

 

[SunnyHarsha]

For new users*

Our Experts recommendation for Indus DC are:

Indus DC Mastercard:
Cheq (Processing Fee Applies).
Mobikwik (20K CC bill per 24 hours applicable for mobikwik regular users on MC cards).
Paytm won't work don't even try.

Indus DC Visa:
Paytm.
Mobikwik (20K CC bill on single transaction).
CRED (DC option only available for >50K transaction value {It depends on account to account}).

Indus Platinum:
Paytm (Working, points will be credited with in 5 days).
Mobikwik (Still Not Tested, Need update for tested users).
CRED (Still Not Tested, Need update for tested users).

Got points for indus platinum on cred..

 

[cardex]

Name on card or owner of card doesn't matter. You can pay any cc billl using any platform and any debit card.

Is that instantly credited to credit card account if non hdfc card?

 

[panu24]

Is that instantly credited to credit card account if non hdfc card?

SBI credit card bill payment using hdfc billpay is instant but other credit cards like Axis, Icici takes time like 4-5 days also.

 

[cardex]

SBI credit card bill payment using hdfc billpay is instant but other credit cards like Axis, Icici takes time like 4-5 days also.

so for axis , icici cards seems cred is the only way out for instant transfer?

 

[Rahul Gupta]

Is that instantly credited to credit card account if non hdfc card?

Sbi and Rbl is instant and others take some 3-4 working days.

 

[Trust Me]

SBI credit card bill payment using hdfc billpay is instant but other credit cards like Axis, Icici takes time like 4-5 days also.

For ICICI cards, HDFC say 2 days, and it was indeed 2 days for me (only once yet, so may not be statistically significant).

 

[Survivor35]

Hi all, I had made a txn of 1.1 lakhs in 31st of last month and 1st of this month both are of txns 1.1 lakhs each on cheq using my indusind world master card now I got only 5k points so what should I consider ?, Whether I got points for 31st day txn or 1st txn and if I do one more txn of 1 lakh whether I will get points?. If any one aware of it can you shar

Sry my bad,that 5k points are in signature Debit card. In master card it was 3065 points

So these 5k points from signature n 3065 from master were accurate

 

[Survivor35]

Now your Quota for August is over.

never do txns on last day of month.

My icici due is on 30th of every month in this scenario is it OK to pay by 26 or 27 to avoid missing RP.
The bill is around 1.8L (already exhausted hdfc 750cb) I will use Mc and pay via cred today itself
@VISHESH_BANSAL do confirm

Atleast 1 week before last day of month