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.

 

[Sriim]

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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And what's with the edit on the orginal post? How did the bank know about a technofino post?
@kushal @TechnoFino @VISHESH_BANSAL @S S V

 

[Sriim]

Only way i can kind of make sense with it is if I haven't got points for repayment of all my BBPS credit card bills. I've paid SBI and BOB cards using cheq, park+ and airtel thanks via indus Select MC. If I remove all those transactions, points more or less tally.

Is there any concept of soft bans in indusind debit cards? I've not received points for all the transactions I've done. Can't understand. @4uziaul

 

[sabya123]

Is paytm wallet load removed? I do not see an option on my paytm app to add to wallet. In that case what are the options to wallet load using with HDFC Millenia debit card or Rbl Signature plus to get the cashback?

 

[Ganeshraja]

Pay via​	Max CC Bill​	Max Cashback​
HDFC Platinum	75000	750
HDFC Platinum (Friends AC)	75000	750
RBL Signature DC	100000	1416
RBL Signature DC (Friends AC)	100000	1416
RBL Signature DC (Friends AC)	100000	1416
Indus Signature Visa	112500	1050
Indus World Mastercard	112500	1050
Axis Liberty	25000	250
Total​	700000	8098

Sharing above my CC bill payment strategy which i follow, currently i am able to max out 5 Lacs/Month

Good Morning you guys are all debating for 1% cashback for cc payment. I get 2.5% for same cc payment upto 5 lakhs. #iykyk 🤣🤣🤣

 

[mojo_jojo123]

I get 2.5% for same cc payment upto 5 la

how getting 2.5% ?

 

[Deleted member 11974]

Good Morning you guys are all debating for 1% cashback for cc payment. I get 2.5% for same cc payment upto 5 lakhs. #iykyk 🤣🤣🤣

i got 3.33% this month

 

[Juganta]

Good Morning you guys are all debating for 1% cashback for cc payment. I get 2.5% for same cc payment upto 5 lakhs. #iykyk 🤣🤣🤣

Par kaise?

 

[kshitij_0]

Good Morning you guys are all debating for 1% cashback for cc payment. I get 2.5% for same cc payment upto 5 lakhs. #iykyk 🤣🤣🤣

i got 3.33% this month

Humar sunba ta G****ya fat jayi

 

[Copycat]

Tried to pay IDFC CC bill using IDFC DC on SBI Unipay
Amount 1000
Money debited, payment not made to CC
SBI Unipay says transaction failed and transaction amount is Rs 10 (Ten only) (Amount deducted One thousand)
Despite logging in to Unipay, before paying, no transactions are shown for today or any other day. Today was the 2nd time I used it. Yesterday failed because IDFC OTP did not come
Any idea what happens next? Will the money be refunded automatically and correctly i.e. Rs 1000?
Thanks

EDIT: SBI UniPay seems to be one messed up system. I can't believe that even the amount is wrong!

 

[dealminer]

SBI Unipay

Is there something special about it? I wonder. 🤔
There are more platforms to pay cc bills

 

[Animal]

I haven’t faced any issue till now. Have been using for past couple of months. Have used HDFC and ICICI debit cards.

Tried to pay IDFC CC bill using IDFC DC on SBI Unipay
Amount 1000
Money debited, payment not made to CC
SBI Unipay says transaction failed and transaction amount is Rs 10 (Ten only) (Amount deducted One thousand)
Despite logging in to Unipay, before paying, no transactions are shown for today or any other day. Today was the 2nd time I used it. Yesterday failed because IDFC OTP did not come
Any idea what happens next? Will the money be refunded automatically and correctly i.e. Rs 1000?
Thanks

EDIT: SBI UniPay seems to be one messed up system. I can't believe that even the amount is wrong!

 

[ARV]

Tried to pay IDFC CC bill using IDFC DC on SBI Unipay
Amount 1000
Money debited, payment not made to CC
SBI Unipay says transaction failed and transaction amount is Rs 10 (Ten only) (Amount deducted One thousand)
Despite logging in to Unipay, before paying, no transactions are shown for today or any other day. Today was the 2nd time I used it. Yesterday failed because IDFC OTP did not come
Any idea what happens next? Will the money be refunded automatically and correctly i.e. Rs 1000?
Thanks

EDIT: SBI UniPay seems to be one messed up system. I can't believe that even the amount is wrong!

Yes, looks like they have missed to move the numbers before the .(dot) for the paisa calculation. If the amount is 1234, it should show as 1234.00 but its showing as 12.34

 

[4uziaul]

Is there any concept of soft bans in indusind debit cards? I've not received points for all the transactions I've done. Can't understand. @4uziaul

I have never heard or experienced something similar. Which card do you hold, and where have you been making these transactions recently?

 

[sm9811911]

Tried to pay IDFC CC bill using IDFC DC on SBI Unipay
Amount 1000
Money debited, payment not made to CC
SBI Unipay says transaction failed and transaction amount is Rs 10 (Ten only) (Amount deducted One thousand)
Despite logging in to Unipay, before paying, no transactions are shown for today or any other day. Today was the 2nd time I used it. Yesterday failed because IDFC OTP did not come
Any idea what happens next? Will the money be refunded automatically and correctly i.e. Rs 1000?
Thanks

EDIT: SBI UniPay seems to be one messed up system. I can't believe that even the amount is wrong!

Dont pay non-bbps cc with dc, use upi. Can use dc for bbps cc.
Refund will be automatic, may take 4-5 working days.

 

[Copycat]

Dont pay non-bbps cc with dc, use upi. Can use dc for bbps cc.
Refund will be automatic, may take 4-5 working days.

Thank you for the advice

I was just freaking out afresh after I saw this when clicking: https://customer.sbiunipay.sbi/

 

[Sriim]

I have never heard or experienced something similar. Which card do you hold, and where have you been making these transactions recently?

I have Indus Select MC and indus Select Visa for last 2 months(mainly using MC). For Feb, got all 2700 points correctly, used only park+. Also till March 13 got all points correctly.

On Mar 14, tried to pay SBI cashback using MC & park+. Payment failed and refunded. Same day paid 50k using cheq. Didn't want to try BBPS again in park+, so paid using airtel thanks + MC. Meanwhile had used my MC to pay my credit card bill using 2nd park+ account as well, when i was making my 4th payment(2 payments in first park+ account, 2 payments in 2nd park + account), got an error on park+ saying 'same card can't be used 4 times within 1 hour' - ended up using Visa for the 4th payment

When i calculated points, I've got way less.

Since 14th, the only way to account for points missed is if i exclude payments to BBPS billers (SBI Cashback, BOB ENERGIE - 500 on park+, 50k on cheq, 6.3k on Airtel thanks / total around 57k/ around 1700 points as i already crossed 40000rs)

My conclusions
1. I have not received points on payments to BBPS cards irrespective of platform
2. Or I have not received points on cheq/airtel thanks (but others have verified that they got for same merchant/even i received points on visa for payment on airtel thanks)
3. Or my card got flagged for some misuse when I got that error of using the same debit card 4 times in 1 hour

Couldn't make out which. Planning to use Visa in April and try MC again in May

 

[Vaastav]

Is Park+ taking time to credit SBI Bill Payments?

I paid Yesterday Morning and it’s still showing to me as payment processing.

 

[sm9811911]

I have Indus Select MC and indus Select Visa for last 2 months(mainly using MC). For Feb, got all 2700 points correctly, used only park+. Also till March 13 got all points correctly.

On Mar 14, tried to pay SBI cashback using MC & park+. Payment failed and refunded. Same day paid 50k using cheq. Didn't want to try BBPS again in park+, so paid using airtel thanks + MC. Meanwhile had used my MC to pay my credit card bill using 2nd park+ account as well, when i was making my 4th payment(2 payments in first park+ account, 2 payments in 2nd park + account), got an error on park+ saying 'same card can't be used 4 times within 1 hour' - ended up using Visa for the 4th payment

When i calculated points, I've got way less.

Since 14th, the only way to account for points missed is if i exclude payments to BBPS billers (SBI Cashback, BOB ENERGIE - 500 on park+, 50k on cheq, 6.3k on Airtel thanks / total around 57k/ around 1700 points as i already crossed 40000rs)

My conclusions
1. I have not received points on payments to BBPS cards irrespective of platform
2. Or I have not received points on cheq/airtel thanks (but others have verified that they got for same merchant/even i received points on visa for payment on airtel thanks)
3. Or my card got flagged for some misuse when I got that error of using the same debit card 4 times in 1 hour

Couldn't make out which. Planning to use Visa in April and try MC again in May

with indus its random. Some platform you will get points, using the same platform next day will not get points.
Problem is with platform you use and also indus own process. CC type does not matter.

Park+ generally gives you points for both visa and MC dc. Alternatively, can use cheq for mc and paytm for visa.

 

[sm9811911]

that will likely fail.

Is Park+ taking time to credit SBI Bill Payments?

I paid Yesterday Morning and it’s still showing to me as payment processing.

 

[dealminer]

Thank you for the advice

I was just freaking out afresh after I saw this when clicking: https://customer.sbiunipay.sbi/

View attachment 47687

Noobie dev trying his skills.🤣