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.

 

[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.

 

[tryabptryabp is verified member.]

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.

 

[tryabptryabp is verified member.]

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

I mentioned Indusind Visa Signature Card.

 

[hemant89]

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

@VISHESH_BANSAL @4uziaul

 

[4uziaul]

@VISHESH_BANSAL @4uziaul

Yes, you will get up to 200 CB using the E-Debit card.

Check this thread here:

1% Cashback Upto 200 by Paying Credit Card Bill Using Mobikwik From Axis E-Debit Card

So Axis is Giving 1% cashback on all online spends* done via E-Debit Card T&C's Applicable only on transactions of Rs. 500 and above Maximum applicable cashback amount of Rs. 200 per month Cashback amount to be credited to your linked Axis Bank savings account within 90 days. Applicable on all...

www.technofino.in

 

[hemant89]

Yes, you will get up to 200 CB using the E-Debit card.

Check this thread here:

1% Cashback Upto 200 by Paying Credit Card Bill Using Mobikwik From Axis E-Debit Card

So Axis is Giving 1% cashback on all online spends* done via E-Debit Card T&C's Applicable only on transactions of Rs. 500 and above Maximum applicable cashback amount of Rs. 200 per month Cashback amount to be credited to your linked Axis Bank savings account within 90 days. Applicable on all...

www.technofino.in

Thanks @4uziaul

 

[Ravana_88]

With any debit card on Mobikwik , it is saying pay 20k only and after that , it is not letting me use that debit card for more payments . What am I doing wrong here ? Suggestions are welcome

 

[4uziaul]

With any debit card on Mobikwik , it is saying pay 20k only and after that , it is not letting me use that debit card for more payments . What am I doing wrong here ? Suggestions are welcome

You're not doing anything wrong; that's how it's supposed to work. Split the payments into 20k each. Additionally, you can try using the Mobikwik Beta Version.

 

[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.

Why does Cards section in IndusInd website always show disabled. Can someone tell me how to enable? I am unable to transfer my debit card rewards to cash!