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.

 

[VijayflyRaven]

I am receding the welcome kit today for IndusInd select. Can someone help confirm if the debit card gives cashback for Freecharge? I have Magnus payment which can be used with Freecharge for free.

 

[VijayflyRaven]

If we make payment using IndusInd debit, when can we see reward points reflected?

 

[jack333]

I am receding the welcome kit today for IndusInd select. Can someone help confirm if the debit card gives cashback for Freecharge? I have Magnus payment which can be used with Freecharge for free.

Why don't you use mobikwik for both visa and MC and cheq for mc. They will give. Around 5 days for reward points

 

[VijayflyRaven]

Why don't you use mobikwik for both visa and MC and cheq for mc. They will give. Around 5 days for reward points

Cheq needs cvv and that is highly suspicious.
HDFC is my preference as it is a bank. I prefer Freecharge as it is owned by Axis.
If I use Mobikwik with Indus debit, I want to know when we can see the rewards

 

[jack333]

Within 5 days

 

[chenrichy]

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)

Is anyone received more than 3000 reward points in IndusInd Master Debit Card?? I have received 3080 points till now for this month.....

 

[mojo_jojo123]

Is anyone received more than 3000 reward points in IndusInd Master Debit Card?? I have received 3080 points till now for this month.....

How much payment done for 3080 points ? do we have to register dc for points or by default we will get ?

 

[hks789]

How much payment done for 3080 points ? do we have to register dc for points or by default we will get ?

You will get it by default. Spend around 112500 for 3k points

 

[hks789]

Is anyone received more than 3000 reward points in IndusInd Master Debit Card?? I have received 3080 points till now for this month.....

For Visa Signature I got around 3700 points this month. I had redeemed everything except for 31 points last month.
Guess additional points comes from some other offers of the debit card.
They have some points for internet banking, atm transactions etc. I didn't receive those for the past months. Think all the pending ones credited now.

 

[VijayflyRaven]

For Visa Signature I got around 3700 points this month. I had redeemed everything except for 31 points last month.
Guess additional points comes from some other offers of the debit card.
They have some points for internet banking, atm transactions etc. I didn't receive those for the past months. Think all the pending ones credited now.

Refer the page with bonus points. They give for continuous usage of 3 months , atm usage, mobile banking, etc.

The best option seems to be infinite that has unlimited points and also valued at 1 rupee per point instead of 0.35. Has anyone tried it?

Indus Rewards Debit Card Program - IndusInd Bank

Read all the important terms and conditions before applying for IndusInd Bank’s Debit Card. Click here and read all about IndusRewards Program here.

www.indusind.com

To get infinite (around 3% unlimited), it seems we need to have pioneer savings with 10 lakhs as family (max 10 savings account in family). This is great value as I can move family funds from un-rewarding banks and move to this.

Edit:
Pioneer variant has no 6x rewards. So it is 0.5% unlimited

.

 

[Wealth is my birth right!]

Refer the page with bonus points. They give for continuous usage of 3 months , atm usage, mobile banking, etc.

The best option seems to be infinite that has unlimited points and also valued at 1 rupee per point instead of 0.35. Has anyone tried it?

Indus Rewards Debit Card Program - IndusInd Bank

Read all the important terms and conditions before applying for IndusInd Bank’s Debit Card. Click here and read all about IndusRewards Program here.

www.indusind.com

To get infinite (around 3% unlimited), it seems we need to have pioneer savings with 10 lakhs as family (max 10 savings account in family). This is great value as I can move family funds from un-rewarding banks and move to this.

Yes but wallet mcc we won’t get points

 

[VijayflyRaven]

Yes but wallet mcc we won’t get points

Is wallet cc payments getting points only for signature and below?

 

[Wealth is my birth right!]

Is wallet cc payments getting points only for signature and below?

If paytm wallet shows PAYTM we get

 

[VijayflyRaven]

If paytm wallet shows PAYTM we get

Then if we get it for infinite variant for credit card bills, then it means 3% reward rate with unlimited points.

 

[Wealth is my birth right!]

Then if we get it for infinite variant for credit card bills, then it means 3% reward rate with unlimited points.

Subject to testing
No one so far confirmed

 

[VijayflyRaven]

Subject to testing
No one so far confirmed

My bad. Read the fine prints now.

Pioneer variant has no 6x rewards. So it is 0.5% unlimited

 

[rkg]

In HDFC BBPS , debit card is no more an option to pay credit card bills. only account option is there

 

[jack333]

Exclusive and select debit cards are better than pioneer ones in terms of reward rate. Upto 0.93 vs flat 0.5

 

[VijayflyRaven]

In HDFC BBPS , debit card is no more an option to pay credit card bills. only account option is there

I checked right now in my hdfc mobile app and see all my debit cards listed.

 

[sidart]

In HDFC BBPS , debit card is no more an option to pay credit card bills. only account option is there

It is showing for me. I have made the Magus payment in the morning.
Kindly recheck after a while