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.

 

[4uziaul]

Yes.
As you told Experience differ from Customer to Customer.

For me Only Axis is Chor, lukkha, luccha, Hadd se bada tuccha Bank hai

Never faced Issues in any other Bank which I faced with only Anokhelal Axis Bank Ltd

Pura frustration nikal diya 🤣

 

[4uziaul]

We have to be open to try multiple banks. Sometimes we might have bad experience and if we have continuous bad experience, better to move away.

For example, BOB credit card experience has been bad for me for over 2 months of interaction (more than 5 interactions) and for me it is bad. Others might have similar bad experience if they expect higher standards of customer care.

Similarly, Indusind has poor IT support governance. If branch makes mistakes and if we escalate to PNO/ social media, most banks fix the issue. However, Indusind has not been doing it. I had 2 bad experience in just 1 month of banking with them. They have poor service desk software which keeps creating 100s of tickets for same issue.

That's why it's never going to be my primary account. Haven't been able to use it since opening my account.

 

[bhavik886151]

any one using Burgundy Debit card which gave 2 Edge Point for every 200rs

 

[VijayflyRaven]

any one using Burgundy Debit card which gave 2 Edge Point for every 200rs

That is 0.20% cash rate and 0.80% HNI transfer rate. Very low.

 

[bhavik886151]

That is 0.20% cash rate and 0.80% HNI transfer rate. Very low.

yes i know that but 0.80% is unlimited if you have magnus

 

[VijayflyRaven]

yes i know that but 0.80% is unlimited if you have magnus

cash rate is only 0.2%. UBI gives unlimited 1% cash rate. Indus pioneer gives unlimited 0.5%.

Just adding other options. Axis looks good too but rate could have been higher as it is not cash rate. Getting only 0.8% for hotel or miles does not seem better than UBI 1% cash.

 

[rishav05]

Does Indusind MC world card of Signature variant provides reward points on CheQ ?

 

[4uziaul]

Does Indusind MC world card of Signature variant provides reward points on CheQ ?

Indeed it does.

 

[rishav05]

Indeed it does.

Thats the double dip..

 

[rishav05]

Indeed it does.

I should first utilize HDFC Bank till 75K then RBL signature+ for 1L and then Indusind MC on CheQ for 1.125L then only switch to Visa signature Indusind for another 1.125L..

 

[4uziaul]

Thats the double dip..

Yes 👍

 

[4uziaul]

I should first utilize HDFC Bank till 75K then RBL signature+ for 1L and then Indusind MC on CheQ for 1.125L then only switch to Visa signature Indusind for another 1.125L..

You have it well planned out 😉

 

[Anshul Gupta]

I have an HDFC CC bill of more than 6 Lakhs. Please suggest what method I should use to get max cashback. I am holding IDFC First Wealth and HDFC Millennia debit cards.

Millennia DC will only give up to Rs.400 and I'm not exactly sure about the rewards of IDFC First Wealth DC. Any other platforms/ apps for better rewards? Could someone suggest ways to pay this bill and how much total cashback I can expect on the whole bill amount?

 

[logu]

I should first utilize HDFC Bank till 75K then RBL signature+ for 1L and then Indusind MC on CheQ for 1.125L then only switch to Visa signature Indusind for another 1.125L..

I guess you won't get reward if you use hdfc dc in cheq. So it's better to use indusind mc dc first and double dip

 

[4uziaul]

I have an HDFC CC bill of more than 6 Lakhs. Please suggest what method I should use to get max cashback. I am holding IDFC First Wealth and HDFC Millennia debit cards.

Millennia DC will only give up to Rs.400 and I'm not exactly sure about the rewards of IDFC First Wealth DC. Any other platforms/ apps for better rewards? Could someone suggest ways to pay this bill and how much total cashback I can expect on the whole bill amount?

Change the Millenia Debit card to Easy Shop Platinum and get up to 750 CB. You can also try opening another account and this way you will get another card. I wouldn't recommend opening Indusind account just for the CB because you need to maintain up to 1L in some branches. If you hold a legend credit card then open a select account, otherwise not worth it. IndusInd is notorious for charging NMC.

 

[Anshul Gupta]

Change the Millenia Debit card to Easy Shop Platinum and get up to 750 CB. You can also try opening another account and this way you will get another card. I wouldn't recommend opening Indusind account just for the CB because you need to maintain up to 1L in some branches. If you hold a legend credit card then open a select account, otherwise not worth it. IndusInd is notorious for charging NMC.

Thanks for your help.

My mom has Easy Shop Platinum so I was planning to use it along with Millennia. But does Easyshop Platinum card even give CB on Mobikwik now? I remember paying a CC bill using it on MobiKwik a couple of years ago but never received cashback.

I do have a Legend credit card as well. Is select account a zero balance account? But I was reading other posts and seems like opening account and getting the select card may take time as one needs to visit the branch and all and my bill's due date is just a week away 🤣 Any suggestions for getting this card sooner?

 

[brightknight]

Thanks for your help.

My mom has Easy Shop Platinum so I was planning to use it along with Millennia. But does Easyshop Platinum card even give CB on Mobikwik now? I remember paying a CC bill using it on MobiKwik a couple of years ago but never received cashback.

I do have a Legend credit card as well. Is select account a zero balance account? But I was reading other posts and seems like opening account and getting the select card may take time as one needs to visit the branch and all and my bill's due date is just a week away 🤣 Any suggestions for forgetting this card sooner

Sometimes it takes over a week to just lift debit freeze from a new account 😬😂

 

[4uziaul]

Thanks for your help.

My mom has Easy Shop Platinum so I was planning to use it along with Millennia. But does Easyshop Platinum card even give CB on Mobikwik now? I remember paying a CC bill using it on MobiKwik a couple of years ago but never received cashback.

I do have a Legend credit card as well. Is select account a zero balance account? But I was reading other posts and seems like opening account and getting the select card may take time as one needs to visit the branch and all and my bill's due date is just a week away 🤣 Any suggestions for getting this card sooner?

Yes, it's completely Zero Mab account as long as you hold the legend card. Use it for your next month statement if required and yes Easy Shop Platinum works on Mobikwik because MCC is utility now.

 

[seekndestroy99]

cash rate is only 0.2%. UBI gives unlimited 1% cash rate. Indus pioneer gives unlimited 0.5%.

Just adding other options. Axis looks good too but rate could have been higher as it is not cash rate. Getting only 0.8% for hotel or miles does not seem better than UBI 1% cash.

Burgundy DC and IndusInd Pioneer give RP for Wallet Reloads as well?

 

[thekirang]

Can I pay au credit card bill via mobikwik using hdfc easyshop platinum debit card to get 1% cashback ?