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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.
 
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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?
 
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 ?
 
Sanskar said:
Dose HDFC Platinum Debit Card give 1% Cashback upto ₹750 on CRED as well ?
Click to expand...
No. I don't think so, but I am not 100% sure. If you scan this thread and the HDFC 1% BillPay thread you should have your answer. I believe someone tried it recently
 
tsj49 said:
Is there any advantage of paying through DC using CRED? (considering 75k has already been paid through BillPay)
Click to expand...
I don't have a CRED a/c so I can't be 100% sure; but from what I've read there is zero benefit to be derived by paying via CRED with an HDFC Platinum card. After 75K using the HDFC card, an IndusInd card will give you benefits if you use it on Mobikwik (tested). An RBL Signature+ card will give you benefits everywhere, so this one can be used on CRED. I use the RBL card as it gives a straightforward 1% unlike the IndusInd card that gives a maximum of 0.93% at the highest tier.
 
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tsj49 said:
Is it possible to get multiple HDFC debit cards?
Click to expand...
Only 1 person has claimed that he has 2 working HDFC debit cards on a single a/c. No one else has managed to get something like that
You can have multiple Savings Max accounts and get multiple cards that way. I have 2 Platinum cards because I have 2 Savings Max accounts with the same branch
 
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