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Best Way to pay Credit Card Bill

kushal

TF Select
VIP Lounge
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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Another question :What's the point cycle in case of HDFC Platinum Debit card? Is it 1st of every month? e.g. If some one pays CC bill of 75000 on 31st July 2023, and pays another 10000 bill on 1st August, will he /she receive 100 points for the transaction made on 1st August?
 
Thread is quite long..
Please confirm indusind select world debit mai
Cheq mai mil rha h?? And mobikwik and aur kis mai mil rha h points.
Sorry for being repeated.
 
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)

The above link mentions the following exception:
The following transactions are not eligible to earn IndusReward Point:
> Transactions on fuel, Credit Card bill payments & wallet funding/loading

So then how can we earn Reward Points for credit card bill payments??
 
For payment done at Mobikwik via HDFC Debit Card, the merchant post transaction / in bank stmt is coming as PYU*ONE MOBIKWIK

Just to clarify, at OTP page, it says merchant ONE MOBIWIK SYSTEM only but later post transaction it came as PYU*ONE MOBIKWIK

Anyone knows if this transaction is eligible for Cashback or no?
Yes. Eligible. Have got 3000 reward points in July.
 

The above link mentions the following exception:
The following transactions are not eligible to earn IndusReward Point:
> Transactions on fuel, Credit Card bill payments & wallet funding/loading

So then how can we earn Reward Points for credit card bill payments??
Bcoz we are paying the cc bills on mobikwik app where it counts as utility txn hence we get reward points
 
So I have to pay a bill of 2.52 lakhs for my AU credit card. I have both Select Visa and Select Master World DC from IndusInd. I have made account in Mobikwik now and I have a Paytm account before. Both are not full KYC. Can someone guide me on how to divide the payments? I read all the comments but still having confusion.
 
So I have to pay a bill of 2.52 lakhs for my AU credit card. I have both Select Visa and Select Master World DC from IndusInd. I have made account in Mobikwik now and I have a Paytm account before. Both are not full KYC. Can someone guide me on how to divide the payments? I read all the comments but still having confusion.
Devide the payment according to the dc you have.
 
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