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.

 

[satviksehgal]

Anyone tried to redeem the points received?

Mine is showing an error that it cannot be redeemed as cashback. Visit indus moments for redeeming them.
But in indus moment, when I enter first 6 digits of dc. It again shows an error says card number doesn't matches card type 😑

Same issue with me

 

[ARV]

Anyone tried to redeem the points received?

Mine is showing an error that it cannot be redeemed as cashback. Visit indus moments for redeeming them.
But in indus moment, when I enter first 6 digits of dc. It again shows an error says card number doesn't matches card type 😑

Same issue with me

You cannot claim in the app, you will need to login to net banking and on the left click on Manage Relationship> Manage Debit Card > Redeem Points. Sometimes you get an error, just try of a couple of times or after some time. You can redeem the points minimum 500 & multiples of 100 for my account variant ( Partner ) PS: You can go to Card>Debit Card > redeem points also but it mostly fails

 

[satviksehgal]

You cannot claim in the app, you will need to login to net banking and on the left click on Manage Relationship> Manage Debit Card > Redeem Points. Sometimes you get an error, just try of a couple of times or after some time. You can redeem the points minimum 500 & multiples of 100 for my account variant ( Partner ) PS: You can go to Card>Debit Card > redeem points also but it mostly fails

Yes done the exact same thing. Still the same issue.

 

[hks789]

You cannot claim in the app, you will need to login to net banking and on the left click on Manage Relationship> Manage Debit Card > Redeem Points. Sometimes you get an error, just try of a couple of times or after some time. You can redeem the points minimum 500 & multiples of 100 for my account variant ( Partner ) PS: You can go to Card>Debit Card > redeem points also but it mostly fails

👏 Awesome. Thanks a lot, bro.
This worked, got cashback instantly for my Partner account debit card.

Same issue with me

Try out this

 

[satviksehgal]

I

👏 Awesome. Thanks a lot, bro.
This worked, got cashback instantly for my Partner account debit card.



Try out this

I meant the cashback thing works but redemption for things against points on that moments website doesn't, shows the card as invalid etc.

I have the visa infinite pioneer debit card. Just 0.5% reward rate with it.

 

[ARV]

I

I meant the cashback thing works but redemption for things against points on that moments website doesn't, shows the card as invalid etc.

I have the visa infinite pioneer debit card. Just 0.5% reward rate with it.

I am not sure about indus moments

 

[Copycat]

Yes redeemed twice, no issues. Cashback credited instantly.

Was there any redemption fee charged?

 

[hks789]

Was there any redemption fee charged?

Nope. Redeemed 2700 points, got 945rs
1RP - 0.35rs

 

[Copycat]

Nope. Redeemed 2700 points, got 945rs
1RP - 0.35rs

Thank you

 

[Subhajeet]

in hdfc bill pay getting two option for kotak bank one is kotak mahindra bank credit card and other otak bank credit card which one to be choosen for the kotak mahindra bank credit card are they same or any difference in one billpay logo is attached as well.

 

[TheMentalist]

in hdfc bill pay getting two option for kotak bank one is kotak mahindra bank credit card and other otak bank credit card which one to be choosen for the kotak mahindra bank credit card are they same or any difference in one billpay logo is attached as well.

choose the one where only card number needs to be submitted, instead of mobile number

 

[TheMentalist]

If it goes that way then u r lucky
Nowadays if u see any new cards added they are taking time upto 2 weeks to approve
So it’s happening thoroughly back end validation

It's not luck, that's what happens generally, and 2 weeks is a very long time to approve & there's no backend validation
Only initial 2 hrs automated freeze is there for every new card, after which you can start paying bills irrespective of the status shown

 

[TheMentalist]

I got verification call next day of adding four cards in billpay. He just asked if i added these or not. So, i just simply said yes and they got verified.

They had called me as late as 4 days after adding the cards, and by that time I had already paid all the bills (credited to CC instantly / next day)
So it's got nothing to do with verification of billers

 

[Rahul Gupta]

They had called me as late as 4 days after adding the cards, and by that time I had already paid all the bills (credited to CC instantly / next day)
So it's got nothing to do with verification of billers

I know but the status changes from pending to active.

 

[Subhajeet]

thank you much needed help

 

[bansalp]

I opened IndusInd exclusive account. How to get two IndusInd Exclusive debit cards (one mastercard and one visa). Customer care mentioned its not allowed.

 

[bansalp]

When does reward points get credited in our account for IndusInd? Is it at start of next month?

 

[hakunamatata]

When does reward points get credited in our account for IndusInd? Is it at start of next month?

Within 3-5 days of transaction

 

[StanRoute66]

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)

Thanks a lot for this Post . I was always wondering where to use my Visa Indus Select DC for 1% Cashback on CC Bill Payment. On Monday I will try with Paytm .

 

[Batmanbaba]

Thanks a lot for this Post . I was always wondering where to use my Visa Indus Select DC for 1% Cashback on CC Bill Payment. On Monday I will try with Paytm .

I tried with mobikwik... I got the rewards....