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]

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

Yes, you can can

 

[mgforce]

It seems Mobikwik has put a hard limit of Rs 20K per day per HDFC Debit Card. Earlier you can navigate around by splitting transaction but now you can't.

I tried using both HDFC Easyshop Rupay & Master Card variants.

Also both debit cards were used for the first time today. As other debit card's 75K limit was over

EDIT: I stand corrected. This 20K per day per card limit is only for first 24 hrs or so. I was able to use it for multiple transactions today.... 2-3 days later.

 

[breakingbat]

Hi, is the 750 per month cap on HDFC Platinum debit card as per calendar month? So if I do txn today on 1st June, it would be counted towards June limit.

 

[jack333]

Got the points. However wanted to try again to ensure Paytm does not change the MCC as I did not get for Visa card last time. However, when I check now, I get the old error for Mastercard as “this payment type is not allowed using Mastercard”.

So Bottomline is probably use MobiKwik which seems to be always utility MCC and works well with Mastercard.

Another update: Freecharge (using Axis pay dues) + Visa failed. Don’t see any points even after 6 days.

I got for visa on paytm

 

[4uziaul]

Hi, is the 750 per month cap on HDFC Platinum debit card as per calendar month? So if I do txn today on 1st June, it would be counted towards June limit.

Yes, per month and it will be counted towards your June CB.

 

[VijayflyRaven]

I got for visa on paytm

Paytm changes MCC. So test multiple times and you will see the issue.

 

[hks789]

Paytm changes MCC. So test multiple times and you will see the issue.

Seems like I am lucky with PayTM.
I've been using my Visa Signature card since October 2022, and I received points based on the same formula they mentioned on the Indus website.
I keep a Google sheet to autotrack spends with a Google script and use a fn to calculate points. Month end, I verify the actual credited points vs. the calculated ones and redeem them.

 

[VISHESH_BANSAL]

Paytm changes MCC. So test multiple times and you will see the issue.

It is Same MCC.
Just Merchant name is changed to "Paytm" from Paytm CC BILL PAYMENT.
I have already received points on Indus Visa Select for recent CC Bill Payments via Paytm

 

[Rohith_Kumar_Sp]

It seems Mobikwik has put a hard limit of Rs 20K per day per HDFC Debit Card. Earlier you can navigate around by splitting transaction but now you can't.

I tried using both HDFC Easyshop Rupay & Master Card variants.

EDIT: Also both debit cards were used for the first time today. As other debit card's 75K limit was over

You don't have to pay 20k, you can also pay anything less than 20 and still make payment. I did 20, 13 and 17 once to make 40k payment in one day and last month I did 20k 15k 20k 15k in one day

 

[mgforce]

You don't have to pay 20k, you can also pay anything less than 20 and still make payment. I did 20, 13 and 17 once to make 40k payment in one day and last month I did 20k 15k 20k 15k in one day

Thanks for sharing your feedback. I know about this and had used for my debit card earlier. It was for the new cards which I had added that I faced this issue.

As mentioned by me, in the edited post, and also as others replied to me here - this 20K total transaction hard limit is only for first 24 hrs (I will say initial 1-2 days) when you add HDFC debit card to Mobikwik for payment.

After this cool-off period, one can do multiple transactions of upto 20K each day.

 

[mgforce]

Seems like I am lucky with PayTM.
I've been using my Visa Signature card since October 2022, and I received points based on the same formula they mentioned on the Indus website.
I keep a Google sheet to autotrack spends with a Google script and use a fn to calculate points. Month end, I verify the actual credited points vs. the calculated ones and redeem them.
View attachment 18701

This is so cool. Can you share the script etc? Noob there but would like to automate.

 

[Rohith_Kumar_Sp]

Thanks for sharing your feedback. I know about this and had used for my debit card earlier. It was for the new cards which I had added that I faced this issue.

As mentioned by me, in the edited post, and also as others replied to me here - this 20K total transaction hard limit is only for first 24 hrs (I will say initial 1-2 days) when you add HDFC debit card to Mobikwik for payment.

After this cool-off period, one can do multiple transactions of upto 20K each day.

It still won't let you do repeated 20k for same card. It will let you 20k for different cards. After which it will spit out an error saying "repeated payment amount not allowed" or something.

 

[hks789]

This is so cool. Can you share the script etc? Noob there but would like to automate.

Sure. Do you have any other scripts running?

If not --->Starting Point

[Axis] Automatic credit card transaction and rewards tracker

TLDR – Every hour all credit card transactions are automatically fetched from your email Transactions are added to google sheet Expected default rewards generated and milestones achievement calculated The emails processed are labeled so that there no duplicate transactions Project moved here ...

www.technofino.in

 

[mgforce]

It still won't let you do repeated 20k for same card. It will let you 20k for different cards. After which it will spit out an error saying "repeated payment amount not allowed" or something.

No. It does allow. I did 19K*4 transactions today from same card

 

[mgforce]

Sure. Do you have any other scripts running?

If not --->Starting Point

[Axis] Automatic credit card transaction and rewards tracker

TLDR – Every hour all credit card transactions are automatically fetched from your email Transactions are added to google sheet Expected default rewards generated and milestones achievement calculated The emails processed are labeled so that there no duplicate transactions Project moved here ...

www.technofino.in

I got that up and running but it is for Axis and I don't have Magnus etc.

Anywhere I can copy your modifications for Indus Debit Cards?

 

[hks789]

I got that up and running but it is for Axis and I don't have Magnus etc.

Anywhere I can copy your modifications for Indus Debit Cards?

I will add comments to the original thread with my implementations this weekend ✌️

 

[mgforce]

I will add comments to the original thread with my implementations this weekend ✌️

Yes - that will be helpful to all 🙂

 

[Surajsk0000]

Nope. Redeemed 2700 points, got 945rs
1RP - 0.35r

After transaction how much time take to get credited for reward points?

 

[Rohan]

Thinking to open savings account with indus. I can maintain up to 75K AMB. Which variant should I open and can I get same benefits? with that account debit card.

 

[4uziaul]

Thinking to open savings account with indus. I can maintain up to 75K AMB. Which variant should I open and can I get same benefits? with that account debit card.

Go for Select account and don't open it online, better to open it with your nearest branch. You will get almost similar benefits like Exclusive account.