Best way to pay CC bill using another CC

[faltooAdmi]

Hi members,

I was exploring various options to pay my CC bill.I have a DCB(primary card) and SBI vistara card.

1. There are some apps that allow us to pay CC bill directly through another CC.
2. Another way is to top-up a wallet like Paytm, mobikwik and pay your CC bill through that wallet amount.

So I was wondering if I could pay my HDFC cc bill using SBI vistara cc and earn milestone benefits on the vistara card ?

@Walter White @pprakash11 @bhavyegoel @TheMentalist @Subhankar @TechnoFino @rockking1994 @Wealth is my birth right! @Copycat
@Abhishek012

 

[Max]

I doubt any reliable app will let you pay a CC bill through any other CC - happy to be corrected and curious which such app exists.

 

[TheMentalist]

Hi members,

I was exploring various options to pay my CC bill.I have a DCB(primary card) and SBI vistara card.

1) There are some apps that allow us to pay CC bill directly through another CC.

2) Another way is to top-up a wallet like Paytm, mobikwik and pay your CC bill through that wallet amount.

So I was wondering if I could pay my HDFC cc bill using SBI vistara cc and earn milestone benefits on the vistara card ?

@Walter White @pprakash11 @bhavyegoel @TheMentalist @Subhankar @TechnoFino @rockking1994 @Wealth is my birth right! @Copycat
@Abhishek012

Mobikwik has extra charges when paying CC bill with wallet balance/directly
Payzapp has no charges, but only Kotak/BoB CC bill can be paid with wallet balance
Snapay/BharatNxt are other options with fees

 

[faltooAdmi]

Mobikwik has extra charges when paying CC bill with wallet balance/directly
Payzapp has no charges, but only Kotak/BoB CC bill can be paid with wallet balance
Snapay/BharatNxt are other options with fees

So we can pay CC bill thru wallet/directly thru other CC.

Does it make sense to do so to achieve milestone benefits like spending 1.5L to get a premium economy vistara ticket.

 

[Dai]

If one is over doing this say high value amount they will flag it so won't recommend this

 

[VijayflyRaven]

If one is over doing this say high value amount they will flag it so won't recommend this

Last month people paid bills in lakhs. We need to see if they report an issue.

 

[ashishsinghi]

Mobikwik has extra charges when paying CC bill with wallet balance/directly
Payzapp has no charges, but only Kotak/BoB CC bill can be paid with wallet balance
Snapay/BharatNxt are other options with fees

How can we use bharanxt to pay cc payment as we can send move to only bank accounts..pls enlighten

 

[bugmenot]

How can we use bharanxt to pay cc payment as we can send move to only bank accounts..pls enlighten

You can transfer amount to any non tax paying family member and then pay the bill.

You may also try to add HDFC credit card as recipient. There is dedicated IFSC for credit card payment.

BharatNXT checks the name and rejects if both are same.

 

[TheMentalist]

So we can pay CC bill thru wallet/directly thru other CC.

Does it make sense to do so to achieve milestone benefits like spending 1.5L to get a premium economy vistara ticket.

You have to calculate the fees paid versus the cost of the ticket

 

[SiddharthR]

How can we use bharanxt to pay cc payment as we can send move to only bank accounts..pls enlighten

Post in thread 'BharatNXT: Best App for Rent Payment with Credit Card!! (@1.59% charges)' https://www.technofino.in/community...ith-credit-card-1-59-charges.7551/post-136899

 

[Dai]

Last month people paid bills in lakhs. We need to see if they report an issu

Within 45 days if they don't receive any mail or call then it's safe however Income tax people might question

 

[VijayflyRaven]

Within 45 days if they don't receive any mail or call then it's safe however Income tax people might question

If we don’t spend 10L+ with a specific bank, income tax won’t be notified as per discussion on forum. Worry is more on the bank.

 

[Wealth is my birth right!]

Hi members,

I was exploring various options to pay my CC bill.I have a DCB(primary card) and SBI vistara card.

1) There are some apps that allow us to pay CC bill directly through another CC.

2) Another way is to top-up a wallet like Paytm, mobikwik and pay your CC bill through that wallet amount.

So I was wondering if I could pay my HDFC cc bill using SBI vistara cc and earn milestone benefits on the vistara card ?

@Walter White @pprakash11 @bhavyegoel @TheMentalist @Subhankar @TechnoFino @rockking1994 @Wealth is my birth right! @Copycat
@Abhishek012

You can do that with help of third party apps with small charges or no charges like payzapp paytm and BharTnxt I use currently these 3
But note the double spending on the yearly overall figure I mean if u swipe for 2l and pay the bill it’s 2l spend whereas if u pay 2l bill via other cc it’s all together 4l spending as per card issuing banks
One’s own ITR figure is the deciding factor here

 

[VijayflyRaven]

You can do that with help of third party apps with small charges or no charges like payzapp paytm and BharTnxt I use currently these 3
But note the double spending on the yearly overall figure I mean if u swipe for 2l and pay the bill it’s 2l spend whereas if u pay 2l bill via other cc it’s all together 4l spending as per card issuing banks
One’s own ITR figure is the deciding factor here

Two safety net we can build imho are:
1) Aways ensure to spend less than 10L from a specific card issuing bank (not specific card). Also break transactions to be less than 50k.

2) For these rotation, use banks with poor reporting systems. Example: PSU banks or regional small banks with poor IT.

 

[faltooAdmi]

You can do that with help of third party apps with small charges or no charges like payzapp paytm and BharTnxt I use currently these 3
But note the double spending on the yearly overall figure I mean if u swipe for 2l and pay the bill it’s 2l spend whereas if u pay 2l bill via other cc it’s all together 4l spending as per card issuing banks
One’s own ITR figure is the deciding factor here

Can you pls DM me. I am unable to do so

 

[faltooAdmi]

You can do that with help of third party apps with small charges or no charges like payzapp paytm and BharTnxt I use currently these 3
But note the double spending on the yearly overall figure I mean if u swipe for 2l and pay the bill it’s 2l spend whereas if u pay 2l bill via other cc it’s all together 4l spending as per card issuing banks
One’s own ITR figure is the deciding factor here

So if I decide to pay 50k bill of DCB thru SBI Vistara card, Will it :
- Earn regular CV points on SBI Card
- Count towards SBI milestone to get flights

 

[Wealth is my birth right!]

So if I decide to pay 50k bill of DCB thru SBI Vistara card, Will it :
- Earn regular CV points on SBI Card
- Count towards SBI milestone to get flights

Vistara card holders can confirm the same whether the utility mcc will be eligible under the card
I use rupay tata card to pay Magnus card and vice versa it’s win win

 

[faltooAdmi]

Mobikwik has extra charges when paying CC bill with wallet balance/directly
Payzapp has no charges, but only Kotak/BoB CC bill can be paid with wallet balance
Snapay/BharatNxt are other options with fees

You mentioned that payzapp does not allow to pay HDFC CC bill thru wallet, right ?
Then how shud I pay my hdfc CC bill through another CC. Which is the best platform with minimal fees ?

 

[VijayflyRaven]

Vistara card holders can confirm the same whether the utility mcc will be eligible under the card
I use rupay tata card to pay Magnus card and vice versa it’s win win

Paying Magnus using tata rupay card is easy with UPI. How do you pay tata card using Magnus?

 

[ashishsinghi]

Paying Magnus using tata rupay card is easy with UPI. How do you pay tata card using Magnus?

Vistara card holders can confirm the same whether the utility mcc will be eligible under the card
I use rupay tata card to pay Magnus card and vice versa it’s win win

And I have heard that magnus doesn't consider ultilty payment in any way anymore..Not even in milestone..Am i correct