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Best Way to pay Credit Card Bill

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kushal

kushal

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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.
 
Last edited by a moderator:
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Life_style said:
There is no option to do mini kyc, full kyc is not possible as I closed full kyc account in last year. I use this new account for only platinum debit card cashback. So I think I can manage without kyc.
Click to expand...
But u are not getting rewards on platinum dc
 
Installed paytm in my father's phone.
there is an offer going on, mostly for new users
100% cashback points on payment on CC bill pay upto 2L, once a month.

i paid 15k and got 15k cashback points, worth 130-140rs,
paytm cashback points are worth ~0.9%.
so using debit card on top of it, giving good rewards,

though i don't see this offer on my paytm.
 
Guys... here's a good news for all of you.
Mobikwik is actually allowing multiple transactions of 20k back to back. I didn't really check for more than 20k though. I did 8k+7k+5k+20k with 5 minutes by using same HDFC Platinum DC through same Mobikwik account. Also I did the transaction of more than 1 lakh in this month in total. I jave Full KYC Account.

So, there's no limit of 1 lakh per month and also no limit restriction of 20k per day per card as such.

What I could deduce from my experience that it's not allowing more than 20k per 24/48 hours probably once gou add a new DC for payment. But after that time period, there's is no limit restriction. If anything new comes in future, I'll update here.
 
kshitij_0 said:
Guys... here's a good news for all of you.
Mobikwik is actually allowing multiple transactions of 20k back to back. I didn't really check for more than 20k though. I did 8k+7k+5k+20k with 5 minutes by using same HDFC Platinum DC through same Mobikwik account. Also I did the transaction of more than 1 lakh in this month in total. I jave Full KYC Account.

So, there's no limit of 1 lakh per month and also no limit restriction of 20k per day per card as such.

What I could deduce from my experience that it's not allowing more than 20k per 24/48 hours probably once gou add a new DC for payment. But after that time period, there's is no limit restriction. If anything new comes in future, I'll update here.
Click to expand...
Yeah that’s what I mentioned to you earlier, even though I haven’t done vkyc yet I was able to do multiple 20k transactions and total amount more than 1L. Cheers, you were able to do so as well.
 
Ankur dhanda said:
Yeah that’s what I mentioned to you earlier, even though I haven’t done vkyc yet I was able to do multiple 20k transactions and total amount more than 1L. Cheers, you were able to do so as well.
Click to expand...
I shouldn't have done VKYC, if I knew this. Now I feel like benefitting something from Full KYC. But I really don't know what are the benefits of Full KYC.
For now, I'll assume it's 1 lakh per day for MINI KYC Users😅. Or else I would like to cancel this KYC because Mobikwik's service is too bad apart from this one service. They are not allowing me to update my email id because it has been used in other mobikwik account. They said even if you delete that account, you can't use your email id ever in Mobikwik.
 
Hello, what is the best way to pay milinnia cc bill using millinnia dc?
Paytm doesn’t have full kyc so limit is 10k per month right ?
What can I do ??
 
how much time mobikwik will take to settle hdfc cc bill payment via hdfc platinum dc? I paid two hdfc cc bills of above 10k today, but the amount was not settled instanly.. I don't trust mobikwik
 
kushal said:
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)
Click to expand...
In how many days points are credited for indusind debit card? And minimum transaction is 200?
 
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anish1516 said:

EasyShop Platinum Debit Card - Ultimate Cash Back Card on Shopping | HDFC Bank

EasyShop Platinum Debit card entitles you to a higher limit on your daily spends along with exclusive cash back offers on retail & online shopping. Apply Now & Shop Easy!
www.hdfcbank.com www.hdfcbank.com

In this I see 1% cashback only on certain transactions. Can anyone give some more clarity?
Click to expand...
It is exactly the same as before. Nothing has changed
Most people use it to pay CC bills on BillPay. This is counted as a Utility payment and eligible for 1% cashback. People have also recently tested CC bill payment on Mobikwik. This too is counted as a Utility payment and eligible for 1% cashback
You can use it for other categories as well and you will get 1% or 0.5% depending on the MCC. As you know though, in many cases, MCC is a dicey game - you sometimes don't know which one will be reported. So safest to use it for CC bill payments
 
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Copycat said:
It is exactly the same as before. Nothing has changed
Most people use it to pay CC bills on BillPay. This is counted as a Utility payment and eligible for 1% cashback. People have also recently tested CC bill payment on Mobikwik. This too is counted as a Utility payments and eligible for 1% cashback
You can use it for other categories as well and you will get 1% of 0.5% depending on the MCC. As you know though, in many cases, MCC is a dicey game - you sometimes don't know which one will be reported. So safest to use it for CC bill payments
Click to expand...
Thanks for the clarity mate. I just checked in the morning and my cashback has been credit so its working.
 
kushal said:
Havent used paytm for payment as i have Mastercard variant which paytm doesnt accept, but MOBIKWIK also says Credit Card Bill Payment and still i always receive the reward points. Mobikwik i have personally tried and tested, always work. (Ignore the TnCs)
Click to expand...
How many days it will take for the rewards to reflect in your account from the date of transaction?
 
Copycat said:
It is exactly the same as before. Nothing has changed
Most people use it to pay CC bills on BillPay. This is counted as a Utility payment and eligible for 1% cashback. People have also recently tested CC bill payment on Mobikwik. This too is counted as a Utility payment and eligible for 1% cashback
You can use it for other categories as well and you will get 1% or 0.5% depending on the MCC. As you know though, in many cases, MCC is a dicey game - you sometimes don't know which one will be reported. So safest to use it for CC bill payments
Click to expand...
Dose HDFC Platinum Debit Card give 1% Cashback upto ₹750 on CRED as well ?
 
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