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.

 

[smuff]

Been a while more than a month. It won’t allow me always throws error. Even customer care don’t know they just send basic email which doesn’t help. I have two difficulties Cust Id one for account and one for credit card.

I had similar issue. If you already had credit card and then opened savings account then linking them will be issue. Here is the workaround:
1. Create internet banking user id for savings account.
2. Login and link your credit card.
3. Wait for a day or two then link savings account to credit card in mobile app. You should see success message.
4. After this wait for 2-3 days to see account and credit card linked in mobile app.

 

[KLB@96]

I had similar issue. If you already had credit card and then opened savings account then linking them will be issue. Here is the workaround:
1. Create internet banking user id for savings account.
2. Login and link your credit card.
3. Wait for a day or two then link savings account to credit card in mobile app. You should see success message.
4. After this wait for 2-3 days to see account and credit card linked in mobile app.

OKay, thanks will follow this

 

[skvignesh]

#HdfcPlatinum - Did points redemption & bill payment made on Saturday & Sunday take time to settle?

I didn't got any points or cashbacks.

 

[Survivor35]

#HdfcPlatinum - Did points redemption & bill payment made on Saturday & Sunday take time to settle?

I didn't got any points or cashbacks.

Wait until Wednesday, you should be able to see points

 

[Dharm]

Pay in multiples of 20k.
If that didn't work try with smaller amount 19900.

Hi, but in that case FULLPAY code will not work, as it gives 1% cashback on total due amount, correct me if I am wrong?

 

[brightknight]

Hi, but in that case FULLPAY code will not work, as it gives 1% cashback on total due amount, correct me if I am wrong?

yes it will not.

 

[hks789]

Hi, but in that case FULLPAY code will not work, as it gives 1% cashback on total due amount, correct me if I am wrong?

Yes. Fullpay wont work.
Btw Fullpay has a cap of 100rs per month.
Better to use it for a CC bill around 10k

 

[Dharm]

Yes. Fullpay wont work.
Btw Fullpay has a cap of 100rs per month.
Better to use it for a CC bill around 10k

Means we can not take advantage of 1% mobikwik+1% DC for amount greater than 20000

 

[hks789]

Means we can not take advantage of 1% mobikwik+1% DC for amount greater than 20000

Yes.

 

[R@J]

Part 2
(Maximum value of transaction, Maximum CB)

HDFC Platinum(75000,750)
HDFC Millennia(40000,400)
Indus MC World(112500, 1050)
Indus Visa Sign(112500, 1050)
Indus Visa Platinum(79267, 700)

Thnks for this analysis! I have one question:
I currently have HDFC Millenia DC, and also have option to upgrade it to Preferred Platinum DC.
Can I use both/either of these cards on the HDFC Bill pay portal to pay "any banks CC bill" and get 1% cashback (upto the capping limit)?


Also, I read this in Millenia DC page. Does this Credit Card payment refer to direct CC payment (and not through HDFC Bill Pay)




@kshitij_0 @TheMentalist

 

[4uziaul]

Thnks for this analysis! I have one question:
I currently have HDFC Millenia DC, and also have option to upgrade it to Preferred Platinum DC.
Can I use both/either of these cards on the HDFC Bill pay portal to pay "any banks CC bill" and get 1% cashback (upto the capping limit)?


Also, I read this in Millenia DC page. Does this Credit Card payment refer to direct CC payment (and not through HDFC Bill Pay)

View attachment 27956


@kshitij_0 @TheMentalist

Only one card will be active at a time.

Direct payment.

 

[R@J]

Only one card will be active at a time.

Direct payment.

Thanks @4uziaul. I just wanted to confirm (since haven't explored/exploited) this method...... If this works for all other Credit Cards (ones listed in hdfc billpay portal), the I'll get my Millenia upgraded to Platinum (hold a preferred account, so should be free and easy) to extract better value.

I realized my wordings were a bit confusing....like using 2 DCs....... i meant to ask if the cashback thing is applicable for Millenia as well as Platinum, right?

 

[palen]

Thanks @4uziaul. I just wanted to confirm (since haven't explored/exploited) this method...... If this works for all other Credit Cards (ones listed in hdfc billpay portal), the I'll get my Millenia upgraded to Platinum (hold a preferred account, so should be free and easy) to extract better value.

I realized my wordings were a bit confusing....like using 2 DCs....... i meant to ask if the cashback thing is applicable for Millenia as well as Platinum, right?

Not sure about millennia but works with platinum.

 

[4uziaul]

Thanks @4uziaul. I just wanted to confirm (since haven't explored/exploited) this method...... If this works for all other Credit Cards (ones listed in hdfc billpay portal), the I'll get my Millenia upgraded to Platinum (hold a preferred account, so should be free and easy) to extract better value.

I realized my wordings were a bit confusing....like using 2 DCs....... i meant to ask if the cashback thing is applicable for Millenia as well as Platinum, right?

If you are going to use HDFC BillPay use Platinum Debit card for the 1% CB.

 

[TheMentalist]

Thnks for this analysis! I have one question:
I currently have HDFC Millenia DC, and also have option to upgrade it to Preferred Platinum DC.
Can I use both/either of these cards on the HDFC Bill pay portal to pay "any banks CC bill" and get 1% cashback (upto the capping limit)?


Also, I read this in Millenia DC page. Does this Credit Card payment refer to direct CC payment (and not through HDFC Bill Pay)

View attachment 27956


@kshitij_0 @TheMentalist

For CC bill payments, you can use both HDFC Billpay and Mobikwik for getting CB on both Millennia and Platinum DC, as these merchants are classified under Utility Bill payments and hence not excluded
Millennia DC will give 2.5% upto 400 pm (credited in 90-120 days) and Platinum DC will give 1% upto 750 pm (credited in 1-3 days usually)

 

[mojo_jojo123]

did mobikwik disabled payment of CC via its wallet ?

 

[R@J]

For CC bill payments, you can use both HDFC Billpay and Mobikwik for getting CB on both Millennia and Platinum DC, as these merchants are classified under Utility Bill payments and hence not excluded
Millennia DC will give 2.5% upto 400 pm (credited in 90-120 days) and Platinum DC will give 1% upto 750 pm (credited in 1-3 days usually)

Thanks a lot for the explanation... Made the doubts very clear!
Since I use my CC for most of the online/offline purchases, and DC is used rarely for ATM and minor here/there txns... I believe I should upgrade to Platinum, without much thought. Was sticking to Millenia bcz of the 2.5% on online thing, but already have Atlas (4%), SBI CB (5%) that take care of online spends!

Thanks @TheMentalist

 

[Rahul Gupta]

Thanks a lot for the explanation... Made the doubts very clear!
Since I use my CC for most of the online/offline purchases, and DC is used rarely for ATM and minor here/there txns... I believe I should upgrade to Platinum, without much thought. Was sticking to Millenia bcz of the 2.5% on online thing, but already have Atlas (4%), SBI CB (5%) that take care of online spends!

Thanks @TheMentalist

This is a cc forum bro, no one here uses dc for shopping. Its totally meant for paying cc bill after shopping with cc.🤣🤣

 

[R@J]

This is a cc forum bro, no one here uses dc for shopping. Its totally meant for paying cc bill after shopping with cc.🤣🤣

@Rahul Gupta Hehe....true bro....learning from the legends here to make every penny work! 😀

 

[another]

Visa Signature I got with Indus Partner account isn't getting rewards. I checked (cash) redemption page, points are zero with message that card is not eligible for this redemption instead asks me to go to indusmoments. At Indusmoments, it doesn't show any point in this card. (Paid about 50K bill from mobikwik last week)