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.

 

[mojo_jojo123]

I did a transaction in visa and MC on 29th April. Got it in MC but not in Visa yet. MobiKwik + MC and Paytm + Visa.

paytm + visa finally gave reward or not ? which one is safest . .paytm + indusind visa select or paytm + indusind mastercard to get reward

 

[hks789]

paytm + visa finally gave reward or not ? which one is safest . .paytm + indusind visa select or paytm + indusind mastercard to get reward

You will only get points for MC cards on mobikwik or cheq

 

[4uziaul]

paytm + visa finally gave reward or not ? which one is safest . .paytm + indusind visa select or paytm + indusind mastercard to get reward

MasterCard doesn't work on Paytm.

MC and Visa both works on Mobikwik

 

[mojo_jojo123]

MasterCard doesn't work on Paytm.

MC and Visa both works on Mobikwik

so visa + paytm will get points ?

 

[mojo_jojo123]

s

You will only get points for MC cards on mobikwik or cheq

so no points on paytm ?

 

[hks789]

so visa + paytm will get points ?

So far I received everytime

 

[4uziaul]

so visa + paytm will get points ?

It works, but then few have said they didn't get anything. So try with a small transaction.

 

[mgforce]

You will only get points for MC cards on mobikwik or cheq

Indeed, I used your script to cross-check and see that for Visa Infinite Card used on Mobikwik - no points credited.

But is that basis some exclusion anywhere? Worth taking it up with Customer Care over email?

MasterCard doesn't work on Paytm.

MC and Visa both works on Mobikwik

For me, with Visa on Mobikwik - no points credited.

 

[Venky]

Recently paid a bill of 74k for the Magnus via HDFC billpay and it settled in 2 days. Did they improve the settlement time or something? 😍

 

[hks789]

Indeed, I used your script to cross-check and see that for Visa Infinite Card used on Mobikwik - no points credited.

But is that basis some exclusion anywhere? Worth taking it up with Customer Care over email?

For me, with Visa on Mobikwik - no points credited.

Points you see on the sheet is based on the eligibility flag in rewards sheet. If it is Y it will count, if it N it wont.
There is no way to know actual individual points. I check them towards the month end to cross check based on total spend vs total points credited.
FYI I only have cc bill payments with my indus cards

Script also wont track atm withdrawals

 

[mgforce]

Points you see on the sheet is based on the eligibility flag in rewards sheet. If it is Y it will count, if it N it wont.
There is no way to know actual individual points. I check them towards the month end to cross check based on total spend vs total points credited.
FYI I only have cc bill payments with my indus cards

Script also wont track atm withdrawals

I don't have any "rewards sheet". I just used the custom function to calculate on cumulative spends.

Yes - my use case is also CC Bill payment for these cards.

Other usage is via UPI transactions.

 

[4uziaul]

Indeed, I used your script to cross-check and see that for Visa Infinite Card used on Mobikwik - no points credited.

But is that basis some exclusion anywhere? Worth taking it up with Customer Care over email?

For me, with Visa on Mobikwik - no points credited.

I think it's better to do small transaction first. And I also got the same information from this forum only that others have got points using their Visa card. After I receive my debit card will confirm the same.

 

[VISHESH_BANSAL]

Points you see on the sheet is based on the eligibility flag in rewards sheet. If it is Y it will count, if it N it wont.
There is no way to know actual individual points. I check them towards the month end to cross check based on total spend vs total points credited.
FYI I only have cc bill payments with my indus cards

Script also wont track atm withdrawals

Best is to check monthly Statement received on E-Mail.

Monthly Statement reflects how much points you earned for last month txns Card wise.

 

[hks789]

Best is to check monthly Statement received on E-Mail.

Monthly Statement reflects how much you points earned for last month txns Card wise.

IndusInd sends statement after 3-4 weeks 😅.
I do transactions on month start so that there is enough time for them to credit points.

 

[VISHESH_BANSAL]

IndusInd sends statement after 3-4 weeks 😅.
I do transactions on month start so that there is enough time for them to credit points.

Since Account opening date , I am receiving it around 10th of each Month.
Only in One month indus delayed the E-Mail Statement

 

[hks789]

Since Account opening date , I am receiving it around 10th of each Month.
Only in One month indus delayed the E-Mail Statement

You are lucky 😅. The earliest I received was on 10th last october.
After that it is
22, 23, 14, 16, 14, 25, 23

 

[mgforce]

Since Account opening date , I am receiving it around 10th of each Month.
Only in One month indus delayed the E-Mail Statement

@VISHESH_BANSAL @hks789

From your experience over the months can you share which all combinations give points?

As per my reading so far (last few pages), these options do give

Paytm + Visa
Cheq + MC
Mobikwik + MC

Any variant giving points for Cred transactions?

 

[mgforce]

I think it's better to do small transaction first. And I also got the same information from this forum only that others have got points using their Visa card. After I receive my debit card will confirm the same.

Lol - and I thought you are telling from your experience.

 

[VISHESH_BANSAL]

@VISHESH_BANSAL @hks789

From your experience over the months can you share which all combinations give points?

As per my reading so far (last few pages), these options do give

Paytm + Visa
Cheq + MC
Mobikwik + MC

Any variant giving points for Cred transactions?

Cred+Visa only

Mentioned Combinations are also working.

 

[hks789]

Lol - and I thought you are telling from your experience.

For all guidance in this forum, always take things with a pinch of salt.
It all depends on user account and time of execution.
MCCs, Tricks everything can change overnight.
Test things yourself before spending large amounts