I looked at Debit card history by checking sms alerts.
9.1.2025 - Card activated
9.1.2025 - Registered ICICI card as biller on Billy Pay.
10.1.2025 - Intimation of ICICI Card bill generation and scheduled for auto pay via HDFC Bank SmartPay on Debit Card.
23.1.2025 - Bill paid via SmartPay, BillPay. DCSI-BBPSBILL (No OTP, no PIN)
10.2.2025 - Intimation of ICICI Card bill generation and scheduled for auto pay via HDFC Bank SmartPay on Debit Card.
22.2.2024 - Bill paid via SmartPay, BillPay. DCSI-BBPSBILL (No OTP, no PIN)
Now the only difference in Jan and feb was -
January payment had gone on auto pay mode. There was a call from HDFC at 6:02 AM on 23rd Jan to confirm the payment and I was sleeping, Couldnt take the call. Got sms that we couldnt contact you.... But the bill was settled.
February payment, I had pressed the button, one day in advance. No OTP, No PIN. It went through.