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]

Lol. As of now, 2.5 for this month.

Ja balak kar de payment 🤣

Assuming you meant 2.5L and not 2.5Cr 🤣

 

[Oscar]

Lol. As of now, 2.5 for this month.

I made payments above 10L for a month via Paytm, and after a certain number of transactions, I received a message:
"Dear User, you have exhausted your monthly transaction limit. Please try again next month."

So you should be good with a 2.5L payment.

 

[gamersgzb]

What is the expiry of HDFC debit card rewards points.. and is their any total limit .. i know monthly limit of 750 is their but can I collect every month and then redeem in one go... Let's say after 12 months or something..

 

[gamersgzb]

@4uziaul @VISHESH_BANSAL

What is the expiry of HDFC debit card rewards points.. and is their any total limit .. i know monthly limit of 750 is their but can I collect every month and then redeem in one go... Let's say after 12 months or something..

 

[VISHESH_BANSAL]

What is the expiry of HDFC debit card rewards points.. and is their any total limit .. i know monthly limit of 750 is their but can I collect every month and then redeem in one go... Let's say after 12 months or something..

@Chaitanya-a

 

[Chaitanya-a]

What is the expiry of HDFC debit card rewards points.. and is their any total limit .. i know monthly limit of 750 is their but can I collect every month and then redeem in one go... Let's say after 12 months or something..

Promotional cashback (Smartbuy ones) expire after 3 months.
Product feature cashback (₹750 one) expire after 12 months.

 

[Ravana_88]

Hi. I usually have 1.2 L monthly credit card spend between Magnus , Vistara Infinite and Tata Infinity Rupay ( 80% , 10% , 10%) . I pay 75k from Billpay via HDFC platinum debit card and get Rs. 750 . Used Cheq for a while for rest but now it has gone to shit . Where should I pay the rest of the amount from . The post is very long and didn't get much clarity . Would be great if someone can summaries tips

 

[iAmPm]

Hi. I usually have 1.2 L monthly credit card spend between Magnus , Vistara Infinite and Tata Infinity Rupay ( 80% , 10% , 10%) . I pay 75k from Billpay via HDFC platinum debit card and get Rs. 750 . Used Cheq for a while for rest but now it has gone to shit . Where should I pay the rest of the amount from . The post is very long and didn't get much clarity . Would be great if someone can summaries tips

Read the first post.
The 2 best options are - Indusind select/exclusive DCs and RBL signature plus DC. search in the forum for a full understanding.

 

[gamersgzb]

Promotional cashback (Smartbuy ones) expire after 3 months.
Product feature cashback (₹750 one) expire after 12 months.

Thanks.. I do not have idea about the Promotional cashback.. can you tell more about it..

 

[Chaitanya-a]

Thanks.. I do not have idea about the Promotional cashback.. can you tell more about it..

When we buy something from Smartbuy using Debit card, it gives 5% cashback. This gets credited to Promotional cashback section after 90 days of txn.

 

[tryabp]

Latest formula for approx. 3 lac bill payment.
1. HDFC Platinum 75K
2. Indusind Visa Signature 112K (via Cheq pay together)*
3. RBL Signature+ 100k (Mobikwik)

Cheq charges 99Rs total and gives back 1000 cheq coins.

 

[kshitij_0]

Latest formula for approx. 3 lac bill payment.
1. HDFC Platinum 75K
2. Indusind Signature 112K (via Cheq pay together)*
3. RBL Signature+ 100k (Mobikwik)

Cheq charges 99Rs total and gives back 1000 cheq coins.

I didn't get Cashback for Cheq trn on MC DC. Probably they have stopped giving.
Best is to use Mobikwik in all scenarios.
I am able to pay more than 20k in one go now by joining beta version. And it's working without any problem.

@VISHESH_BANSAL @4uziaul

 

[brightknight]

I didn't get Cashback for Cheq trn on MC DC. Probably they have stopped giving.
Best is to use Mobikwik in all scenarios.
I am able to pay more than 20k in one go now bu joining beta version. And it's working without any problem.

@VISHESH_BANSAL @4uziaul

I did transaction on 22nd july and got the rp. When did you last use cheq?

 

[docmaniac]

What about CRED with IndusInd Master Word debit card? Anyone got the reward points

 

[hakunamatata]

I didn't get Cashback for Cheq trn on MC DC. Probably they have stopped giving.
Best is to use Mobikwik in all scenarios.
I am able to pay more than 20k in one go now by joining beta version. And it's working without any problem.

@VISHESH_BANSAL @4uziaul

Tranx date?

 

[gautamcool]

What about CRED with IndusInd Master Word debit card? Anyone got the reward points

These are the current working combos

Best Way to pay Credit Card Bill 0.93%- 1% reward (IndusInd- 0.93% and HDFC- 1%) Debit Card

Sahi baat hai. Faltu m khrcha kiya. Koi jarurat nhi thhi paper waste karne ki🤣 Dikhana padega na Sir aaj Maine 4 savings account khola hai 🤣

www.technofino.in

 

[kshitij_0]

I did transaction on 22nd july and got the rp. When did you last use cheq?

On 7th July.
I think I messed up with calculation because of my last month trn done on 30th

 

[kshitij_0]

What about CRED with IndusInd Master Word debit card? Anyone got the reward points

Nope....you won't get...You will get on Visa card though

 

[hemant89]

What about the debit card of Axis Infinity and easy access accounts? They also mention 1% CB on online spends.

 

[codenerd]

Till last 3-4 months I have been using Mobikwik to pay all my credit card bills using Indusind Visa Signature debit card(Indus Partner Account) and have received reward points for each and every card bill payment.